BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-29
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:
In accordance with the FCRA the following companies have violated my rights as a consumer.

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. 

There must be written instructions by me to have anything written on my credit report and I never gave authorization for that. 

1. XXXX XXXX XXXX 2. XXXXXXXX XXXX  XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX 5. 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 non-monetary relief
Consumer complaint received 2022-08-31
Company: EQUIFAX, INC.
State: AR
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 attempted two times to reach to all 3 credit bureaus in regards to my account issue. I have multiple fraud inquires and some fraud posted to my credit report I've been working on this matter for 3 months and have not received proper response from the bureaus on this matter. The following accounts below are deemed fraud and need to be removed : XXXX : XX/XX/XXXX XXXX : XXXX XXXX  XXXX  : XXXX US DEPT ED : XXXX XXXXXXXX  : XXXX XXXX : XXXX US DEPT OF EDXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX  : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: ENCORE CAPITAL GROUP INC.
State: GA
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:
XXXX client, XXXX XXXX is a victim of identity theft. She received an attempt to collect a debt related to an account established with XXXX XXXX Bank for an amount of {$850.00}. This account was established with her information without her consent and is an issue of true named fraud and identity theft. An official dispute of this account was provided to XXXX XXXX XXXX ( MCM ) office XX/XX/2018 and was received as verified with a return receipt. Shortly after XX/XX/2018 MCM sent a second " pre-legal notification '' concerning this attempt to collect. MCM has violated the FDCPA and the FCRA in their failure to not conduct an investigation into this matter and still they tried to collect this debt. In addition the original creditor XXXX XXXX bank was also notified XX/XX/2018.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-17
Company: EQUIFAX, INC.
State: IL
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:
XXXX XXXX XXXX HAS VIOLATED THE No Surprises Act. 
Beginning XX/XX/2022, if youre uninsured or dont plan to submit your claim to your health plan, health care providers and facilities must provide you with a good faith estimate of expected charges before you get an item or service. The good faith estimate isnt a bill. I was never given a Good faith estimate or a bill for my services. This account has to be removed according to Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: Affirm Holdings, Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Approximately 4 months ago XXXX/XXXX/2021 I changed my phone number and have attempted to have Affirm Inc. changed the phone number for my account in their database. Per their request I have sent photos/copies multiple times of my driver 's license and sent a photo of myself so that the phone number change can be implemented. 

Thus far Affirm Inc. has rejected my my identification submissions and now have advised me that they are not changing my phone number on record because their records indicate that former Affirm Inc. customers have used my same new phone number in the past. As a result of Affirm Inc 's refusal to change my phone number on record, I can not log into my account and view my monthly statements for accuracy, make payments on line or verify my charges or interest rate. In addition, Affirm Inc. is not sending me any paper copies of my monthly statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: JPMORGAN CHASE & CO.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
In XX/XX/2022 I received a new credit inquiry alert through Chase from a Georgia XXXX XXXX that I did not authorize. After calling the bank, alerting XXXX and freezing my SSN, I starting receiving letters in the mail from different bank accounts regarding attempts to open up multiple checking and savings accounts that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Charge from XXXX XXXX XXXX XX/XX/2021 for traffic ticket - {$900.00} - Fraud, Harassment, and lies with no proof of action taken American Express Serve Debit Card - No fraud investigation and no proof of action taken

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I am expecting my tax refund - I notified the bank that my account there at that bank was where my refund would be deposited. I was assured that it would be kept open for the refund to be deposited and less than 2 weeks after I filed my return with the account in question listed to receive the direct deposit of my tax refund- they closed my account. It was overdrawn by less than {$10.00} when they closed it. Prior to all of this I had requested that any debits to the account be declined to prevent any overdrafts to begin with. That request was obviously ignored. This has put me into dire financial hardship as I will now have to wait as many as 3 months for a paper check to arrive from the IRS. I called the bank, the call was directed to their overdrafts department, they escalated my issue and I spoke with what I was told was a bank Vice President. He told me to go to the bank first thing Monday morning ( this was a Friday ) and that a note would be put into my file to open another account that would be linked to the closed account so that my deposit wouldnt be rejected and sent back to the IRS. I went to the bank as instructed and they flatly told me no, they could not do that. They wouldnt even check to see if any such note was added to my file. I feel like I was lied to. The IRS wont let me change my direct deposit information since my return has already been accepted. I feel like Wells Fargo ( my bank ) needs to step up and do SOMETHING considering the circumstances and the fact that had they acted according to my wishes that the account never would have been closed to begin with because it wouldnt have been overdrawn. 

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 2022-09-06
Company: TD BANK US HOLDING COMPANY
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: Old information reappears or never goes away

Complaint:
target store card opened and closed with {$300.00} credit limit. Account is showing up on account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-29
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MO
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I purchased a home in XXXX of XXXX with XXXX as the lender, a XXXX and XXXX mortgage. The loans were refinanced with XXXX XXXX XXXX and paid in full in XXXX of XXXX. It was brought to my attention dealing with my current lender, XXXX, that XXXX never submitted the documents to release the liens. I contacted the title company and they provided payoff transmittals and checks to substantiate the payoff to XXXX. I contacted XXXX and sent the title policy, settlement statement, payoff transmittals and legal description to have the liens released. As instructed, that information was sent via USPS Certified Mail to PO Box XXXX, XXXX, FL XXXX and was received XXXX XXXX, XXXX. I received an auto generated letter from XXXX stating there was an error and the Lien Release process was initiated. Upon following up, one week later, I was told the loans were now being serviced by PHH Mortgage and that I needed to e-mail the information to their Lien Release Department at XXXXXXXXXXXX. I obliged and e-mailed all of the information on XXXX XXXX, XXXX. During my initial follow up one week later, the Customer Service Rep confirmed the loans were paid in full and that at this point it was a matter of having the Liens physically released. I have followed up with PHH Mortgage every week since sending over the documents only to be told that they do not have any additional information and that these issues take up to 30 days to process. Once the 30 days were exceeded the target then moved to " it can take up to 60 days to complete the Lien Release process ''. I have resubmitted the information to XXXX XXXX XXXX Ext. XXXX and XXXX XXXX, so it has been submitted to their company 3 times. I was also given a Supervisor 's name and number XXXX XXXX XXXX Ext. XXXX but she will not return any calls. Yesterday, 68 days into this process, I called their Customer Service Department and I was instructed to resend the information because he did not " see it in the system '', I had to tell him that I have submitted the information 3 times. I find it concerning that I have no accessible file in their system that would show the information was received or where it 's at in the process. We are now 69 days into this process and every time I call, no one can give me a status update or even really find my information. This is a simple matter of releasing XXXX old liens. I am very frustrated and seeking immediate resolution to this issue. This is not my fault, as these loans were paid-in-full with XXXX in XXXX and they did not follow through on their obligation to release the liens. This is causing problems for me dealing with my current lender as I can not produce a clear title to my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: Nationwide TFS, LLC
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Problem with customer service

Complaint:
I requested on XX/XX/XXXX, based on the corona virus epidemic, that this company allow me to pay my debt to them electronically as opposed to sending cash via XXXX which requires me to physically go to a banking location, withdraw funds, and then take those funds to a XXXX location to send my payment thus exposing me multiple times to potential illness. The last time a payment to them was returned was in XXXX of XXXX. Since then my account has never had another issue. My bank provided a letter to them stating my account was open and in good standing, however the company continues to deny me any other option for payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score 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 non-monetary relief
Consumer complaint received 2016-08-18
Company: The CMI Group, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This number calls multiple times in a row. Yesterday I got three calls in 30 minutes, today I got 2 calls within 30 minutes. I have requested they do not call me anymore.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-28
Company: ALLY FINANCIAL INC.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Ally lending is asking people to send their social security numbers via mail & not provided a secure option to provide it.

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 2016-09-13
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Advertising and marketing

Complaint:
I signed up for an American Express Platinum credit card with a XXXX signup bonus and a {$3000.00} minimum spending requirement. I was using the card for my regular purchases, not tracking exactly how much I was spending. About a month later, I received XXXX points in my account. As a regular consumer, I assumed that I had spent enough for the signup bonus because I received it in my account. I kept on using the card for my purchases and thought nothing of it and the 3 month deadline for the minimum spend came and past. About 4 months after I signed up for the card, I suddenly found out that XXXX points were taken from me. I tried contacting American Express, and they said that apparently I did properly fulfill the terms and conditions of the signup offer, but the customer service representative did not know exactly why I was not eligible. I am contacting the CFPB because American Express is running a bait and switch scheme by promising a lucrative signup bonus, misleading me into thinking I have fulfilled the requirements of the offer, and then pulling the offer when I have no recourse by using a technicality in the terms and conditions. If I did not fulfill the terms and conditions, there is no need to wait 3 months to remove the points on my account with zero communication prior to this. If there was any type of communication, I could have fixed the issue. What is especially malicious is that they removed my signup bonus the day after an implementation of a no refund policy for the annual fee. Thus, they took my {$450.00} annual fee when I was under the impression that I received my signup bonus, and once I was not eligible for a refund on the fee, they took my signup bonus back. This is certainly deceptive advertising and American Express should not be allowed to continue this shady behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We are processing a short sale wit h Capital One.  Our first submission was   XXXX   XXXX   and we took this file over from a different short sale attorney. Their first submission was   XXXX   XXXX  . To date they have rejected our offers 3 times, indicating the needed a " higher offer. '' Our first offer was {$140000.00}, the second was {$140000.00}, and the third offer was {$150000.00}. Adding further insult to injury, each time they have rejected our offers I have specifically asked them what purchase price or net amount they need to process the short sale. Each time they have indicated they do not provide an amount of a purchase price or net required to process a short sale.     On   XXXX   XXXX   XXXX  , I spoke with our client who received a call form  Capital O  ne i ndicating they needed to list the property for sale for an additional 15 days. I contacte d Capital One  to inquire about this requirement. I spoke with  XXXX   I  asked her about request and weather we could waive it since it 's been listed for almost a year. I was transferred to  3  different people, and finally got to speak with  XXXX , our short sale rep. and ordered the appraisal with our realtor. He said the same thing they all have said. " That 's just the process. '' I informed them it 's not an appropriate way to do business. It 's not operating in good faith with our buyers. I told them I would be filing a CFPB complaint and she asked if I would like to speak with the office of the President, I said yes. She came back on the line and said  XXXX  from ethics team will assist me and hung-up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-03
Company: Kramer & Frank, P.C.
State: MO
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
Certified letter sent to Kramer & Frank on XXXX/XXXX/15, signed for on XXXX/XXXX/15 requesting validation of debt and to cease all phone communication. Requested communication of this matter to only be in writing at my address. Received telephone call from Kramer & Frank on XXXX/XXXX/15 violating my request to only contact me via mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-28
Company: Experian Information Solutions Inc.
State: MI
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 have submitted several request for XXXX, XXXX and Experian to investigate a few things that are reporting on my credit report that I believe are inaccurate. My request for them to investigate was on XXXX and then again on XXXX. They have failed to respond to any of my request. After my research online, I was under the impression that they are required to respond to any request to investigate from a consumer based on the FCRA rules. I have waited way past the 30 day rule and even sent a 2nd request asking about my first request and still no response. I pay a credit monitoring system every month so that I can view my credit report to see if they are at least updating or acknowledging my request and unfortunately every month I am disappointed to see that nothing has been updated or removed. They are showing last active dates updating but no responses as to how or what they did to verify or update the account. We are now going into XXXX and I am frustrated with this as my credit is suffering because of these inaccuracies reporting on my report. I am sending now my 3rd set of letters in hopes that they will finally respond and help me with a solution of my request. After further research, I found this site and am hoping to get a response and now a resolution since they have failed to respond to me.

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 2016-12-23
Company: TRANSWORLD SYSTEMS INC
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am continuously being called about a debt that I do not recognize. I have asked the company to provide a proof, they mention that they will send it out however I did not receive it. And the calls continue to be made and they claim that they will send out the information. 

This is becoming quite irritating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
The problem is with Experian. I made numerous calls to them about this issue and nothing has been done. Because of this my credit score is horrible. This past XXXX I had 2 inquiries on my report that were to be removed and they never were removed even though these two companies sent letters to Experian telling them to remove the inquiries. I called Experian and spoke to someone and he was rude and told me I had to go on line to fo it. I tried and it said I had to call. I then filed a complaint with the XXXX XXXX XXXX  and Experian will not get back to them.

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 2016-11-23
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Unauthorized transactions/trans. issues

Complaint:
I used my American Express card the number is a gift card XXXX the CVV # is XXXX I called to file a dispute to have my funds disputed to I spoke to XXXX XXXX and XXXX XXXX they are located in XXXX I asked the politely to be transferred to my to states they dienied my requested i file a dispute on XXXX XXXX and still have not received all my funds that I requested and yet this origination continues use third parties such the names I mentioned above they continue use false advertisement regurding call center please is there any way to get all my funds back from this card?

Company response to consumer: Closed with explanation