BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-14
Company: Bread Financial Holdings, Inc.
State: NY
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:
In XXXX XXXX I received a credit statement from XXXX XXXX Comenity requesting payment for a debt of XXXX with interest from an account opened in XXXX XXXX without my knowledge or consent. I believe I'm a victim of identity theft. 

I contacted the company to dispute this debt but was told by a representative that the company could not discuss the debt with me unless I provided my social security number or account number. I do not have the full account number and felt uncomfortable giving out my social security number. I then contacted the creditor in writing to dispute the charge and requested a copy of the credit application but never heard back from the credit card company. However, I continue to receive billing statements in the mail. In addition, I immediately disputed the debt with the three credit bureau : XXXX, XXXX, XXXX. The debt was disputed online in XXXX XXXX and I added a statement to my credit report. However, the debt is still posted to my credit report as past due balances.

I filed a second complaint again In XXXX XXXX because I saw a note on my dispute ticket that the investigation was complete, but no written statement of the results. I redisputed the debt again in XXXX XXXX, only to see a statement that reads, " This item was updated from our processing of your dispute in XXXX XXXX ''. This debt was not validated within the 30 as per Federal guidelines. I did not receive a written letter explaining the result of my claim. 

I write with the intent to have this fraudulent debt deleted permanently from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-23
Company: AMERICAN EXPRESS COMPANY
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:
CFPB Previous complaint # XXXX Still not received the refund yet as their Balance Transfer debt is closed due to corona virus. Please see attached letter mailed but no answer yet. 
On XX/XX/2019, I called and requested a Balance Transfer to American Express card to transfer the balance from XXXX XXXX   credit card to American Express credit card in the amount of {$3600.00} plus {$100.00} which American Express has charged on my Credit card Account to pay off the XXXX XXXX Credit card.Until this day today till present XXXX XXXX  XXXX has not received the payment from American express yet. American express claims that they received the payment but need third party verification I did all I could do on my end by calling both the banks every day XXXX have been almost every day calling both the banks to resolve this payment issue but both the banks are not willing to resolve this payment issue. Now I owe the same balance on the both credit card accounts in which case XXXX XXXX should have received the payment or should have cleared the payment.I told the American Express to put a stop payment on the check that they issued and I would like to dispute this charge {$3600.00}. plus {$100.00} fee because the balance transfer was never completed.in other words the balance transfer payment does not appear on the other account. Every time I call American express they tell me to call union bank and both of the banks are of no help no. At least one of the bank has to give me refund for these amounts {$3600.00} plus {$100.00} fee back and American express is telling me that now I lost this money I can not get refund but the Balance Transfer to XXXX XXXX  was never completed.I need a solution and my rights that How can I recover my money back from American Express in full. my Credit report even shows balances on both the cards. I need a fair and justice decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: PNC Bank N.A.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XX/XX/20 - A fraudulent XXXX account was set up from mine and my sons account and there was a transfer to XXXX XXXX for {$980.00}. PNC told me that this was initially denied and someone called in to find out why and they were verified and it was approved. 
XX/XX/20 - There were several other fraudulent transactions at stores that were all refunded back after submitting a fraud dispute at my local branch. 
XX/XX/20 - Submitted an escalation request at my local branch because the {$980.00} was not refunded. XXXX said that the transaction was verified. 
XX/XX/20 - Spoke to XXXX XXXX with PNC and she was going to get more details on the transaction. 
XX/XX/20 - Spoke to XXXX with PNC as I hadn't heard from XXXX. He did tell me that the account for XXXX XXXX was flagged as fraudulent and he said I should submit a dispute with XXXX and he transferred me to XXXX. 
XX/XX/20 - XXXX said that I can not submit a dispute with them, only through PNC. 
XX/XX/20 - Left message for XXXX. 
XX/XX/20 - XXXX called back and asked that my son call for her to do a voice comparison with the recording of the verification. My son called her 3 times and left messages and she never returned his call. 
XX/XX/20 - Spoke to XXXX with PNC and he put in for another escalation. 
XX/XX/20 - Spoke to XXXX with PNC and he verified that it was my son 's phone number that must have been spoofed to gain the approval for the transaction. 

I have asked several times to get a copy of the phone call that was received to verify the transaction and was told that I will need to subpoena them for the records. I emailed XXXX back in XXXX to ask where to send the subpoena and hadn't heard anything back from him.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Experian Information Solutions Inc.
State: MD
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:
Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The 3 Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. 3 Credit Bureaus have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XXXX Inquired on XXXXXXXX XXXX XXXX ; XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX  ; XXXX XXXX XXXX Inquired on XXXX XXXX XXXX ; XXXX XXXX  Inquired on 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 2020-11-05
Company: AMERICAN EXPRESS COMPANY
State: MD
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:
WE DISPUTED A LARGE NUMBER OF TRANSACTIONS WITH AMERICAN EXPRESS AND THEY DENIED OUR CLAIM BASED ON THE FACT THAT THE OWNER OF THE CARD GAVE ACCESS TO THEIR OFFICE MANAGER. SOME OF THESE TRANSACTIONS LOOK LIKE THE PARCELS WENT TO THE OFFICE MANAGERS HOME BUT THIS WAS NOT THE CASE. WE FEEL THERE IS IDENTITY FRAUD AND SOMEONE INTERCEPTED THOSE PACKAGES BECAUSE THERE WAS ONE PACKAGE THAT THE MANAGER RECEIVED THAT SHE HAD TO SIGN FOR THAT SHE DIDN'T ORDER BUT SHE THOUGHT IT WAS FROM ONE OF HER FRIENDS. THEY WILL NOT LOOK INTO THIS FURTHER AND WE SHOULDNT BE ON THESE FRAUDULENT CHARGES.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
All people are the same. In XXXX, I purchased XXXX used cars The first down payment was XXXX, the Toyota loan, interest rate was 15.89, the monthly payment was XXXX, 72 months, and the full payment was XXXX, which was higher than the price of buying new cars. .. XX/XX/XXXX trailer This company dragged the car, I looked for two months, went to the trailer company twice, saw the car, but did not let me get my things back, my tools in the car, not On a fair loan, I bought a car and the dealer actually gave me a budget statement that deceived me as a contract and mailed the contract to my house within a few days. Does the Toyota creditor operate credit? Given that the maximum loan interest is 16, Toyota Credit gives me 15.89 interest, is it now a law to maintain a dealer like Fraud Robbers? To provide 2 to 5 interest rates for local residents, I read on the Internet every day and can see Fair loans, regardless of race, so I am a fair loan? The discrimination against me is that XXXX people do not speak English and English pays more than my credit. Credit companies fraudulent loans. As a result of future generations, I definitely Do not recognize such credit companies, for those who have a wealthy and poor value, laborers, how the labor force repays this unfair loan. Legal, legal, legal, all people in the world must abide by and believe, fair law, I beg you to have the rights and the law enforcement person to help me escape this dilemma.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Experian Information Solutions 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:
I'm submitting this complaint in response to the Credit Bureaus ' most recent investigation. Their conclusions do not hold water with me, and I demand complete accuracy. I am now requesting additional information from the Credit Bureau about these specific accounts in question since I am not confident that enough was done to genuinely contact the creditors who are reporting these inaccurate information on my report. These accounts must be verified by the three credit bureaus in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not permitted to disregard these reporting accounts as unverified information without offering any justification within the legally permitted time frame. My credit report includes the following accounts as needing investigation and correction due to inaccurate reporting : XXXX XXXX XXXX Balance {$0.00} Date Opened XX/XX/2014 XXXXXXXX XXXX XXXX XXXX Balance {$8600.00} Date Opened XX/XX/2014 2014

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 2018-05-21
Company: AMERICAN EXPRESS COMPANY
State: MN
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:
On XX/XX/XXXX, I received a cold call from a travel agency, The XXXX XXXX, a XXXX company, about the purchase of an all-inclusive pre-paid vacation package on my cell phone. The caller indicated that they received my information from AMEX, and they were a preferred AMEX merchant.

I thought it was a little suspicious and called AMEX customer service to discuss my worries about purchasing the vacation. The AMEX representative told me that if the vacation turned out to be a fraud or scam, then I would be protected by AMEX.

I tried to schedule my vacation with the travel agency in XX/XX/XXXX per the terms of the contract. It turned out that it was not a vacation, but an expensive trip to be in a high pressure time share sales pitch. The hotels that they offered were not the same as the ones they sold to us in XX/XX/XXXX. It became very apparent that it was a bait and switch. 

I immediately contacted AMEX with the information and sent in about 30 pages of documentation. I also sent a detailed cover letter that discussed the timeline of all actions.

AMEX opened the dispute then closed it. We refiled several times and they kept closing it down. 

After researching online, we discovered that The XXXX XXXX had been defrauding many other AMEX customers. The XXXX XXXX uses the same modis operondi on all their victims. Some have received their refunds from AMEX, others haven't. 

I want AMEX to do what they promised on on XX/XX/XXXX and give us consumer protection because we were defrauded by one of their preferred merchant accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Experian Information Solutions 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:
I have filed a ftc report because I found inaccurate accounts on my credit report and nobody is helping 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 non-monetary relief
Consumer complaint received 2022-07-14
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine the responsible parties in these unauthorized credit inquiries. 

Based on, 15 U.S. Code A Consumer Reporting Agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged Identity Theft.

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 2017-09-02
Company: AES/PHEAA
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
In XX/XX/XXXX I had submitted paperwork to update my public service loan forgiveness. The documents were approved but I was only awarded 2 credits rather than 9 credits. This was even though my paperwork showed I had been working for 9 months at an approved job based on the public service loan forgiveness guidelines. I contacted the people at myfedloan servicing. They said they would have to review each payment to confirm if a mistake was made. They said it 'd take 90 days. After 90 days I contacted them again and they said it could take longer but the would expedite the process. That was 3 weeks ago at the beginning of XX/XX/XXXX. They still have not credited my account for work done or even contacted me regarding the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Sequium Asset Solutions, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
They called me at XXXX central time harassing me multiple times and threatening me, I sent a debt validation letter XX/XX/22, they never show me any proof of validation. 
[ SEQUIM ASSETSOLUTIONS XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX ] They added a derogatory marks on my credit reports, they never validated anything at all, Upon further research, this account was transferred /sold to a third party collection agency they did not verify this collection. Also there was no written form of contract or signature. I'm aware that section 609 of the FCRA requires that you have a contract with my signature. please forward me all documents on this account or remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wells Fargo froze my account because they said they thought that my paychecks were fraudulent. After going into the bank and them having me call numerous numbers they finally said they needed my employer to send them a letter and that they would unfreeze my account. My district XXXX called Wells Fargo and they informed him that everything should be good but the account is still frozen. I have bills to pay and have no food because I have no money to purchase groceries. I need them to give me my money. I am not rich and I love paycheck to paycheck so this is especially trying. Please help 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 monetary relief
Consumer complaint received 2017-09-07
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient ignores my complaints about XXXX XXXX XXXX  practices and deceptive XXXX program ; request to stop calling all day from their automated voice calling systems ( even calls on Sunday and after hours ), and pressured from loan acquisition I received in beginning. I felt they misleading me by providing me with bad information, processing payments deferments incorrectly and using deception to direct borrowers away from plans offering lower monthly payments. They failed to do anything about my complaints involving incorrect processing of deferment and forbearance forms ; bad reporting to my credit records leading to me having incorrectly and/or damaged my credit of XXXX borrowers whose loans had been discharged under a government program by incorrectly reporting that their loans were in default. Navient encouraged me to take forbearance when I could have qualified for income-driven repayment plans. Causing me to exhausgh my use of forbearances.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: Reverse Mortgage Solutions, Inc.
State: AZ
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
reverse mortgage solutions is refusing to return a home insurance check issue on my Name and the mortgage company that was issue do to repair a kitchen zinc water leak that destroy the kitchen cabinets, unless the contractor furnish a XXXX, which the contractor being a big corporation denied having heard of such request before, so the contractor could not issue the IRS form XXXX. 
so the check is in their possession for more than 2 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: AES/PHEAA
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/2022. I paid FedLoan {$25000.00} which took my {$53000.00} loan amount down to 28,000.00 which the FedLoan app showed once the payment was received. The very next day the app show a balance of {$38000.00}. I called to ask about my payment and when my money when. I was told they didnt know where to apply the money for my loans to. The lady ask me if I wanted the money applied to my loans or the interest? I stated all of it should go to my loans. Now my balance is {$32000.00}. My balance should be {$28000.00}. This is fraud. Its illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-21
Company: Caliber Home Loans, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was considering putting my house on the market and the agent told me what we would list for. I decided not to sell right now but realized I should have PMI removed since the the market has improved significantly since I purchased my home. Caliber Home Loans offers two options for removing PMI 1 ) full  appraisal and 2 ) Broker Provided Opinion. 

I chose the BPO. The Broker came to my home on XX/XX/XXXX. I told him that a bonus room was added and I wanted to make sure that was reflected in the sq footage. The Broker told me that he had to use the sq footage on the tax record unless I could give him the appraisal that shows the sq footage has increased. The bonus room was added before I purchased the home but after it was originally built. I didn't have a copy of the appraisal but told the Broker that he can get that from Caliber. The Broker said it would have to come from me. I called Caliber around XX/XX/XXXX and they mailed me a copy of the appraisal showing the sq footage to be XXXX vs XXXX which is on the tax record. On XX/XX/XXXX I received the appraisal AND a letter from Caliber saying I did not meet the requirements to remove the PMI, my LTV is 78.390 %. I didn't receive a copy of what the Broker gave them as far as what sq footage the Broker used, comps etc. 

Around XX/XX/XXXX I called to confirm that he used the actual sq footage and NOT the tax record because there is appx 300 sq ft difference. I called the Caliber XXXX number to ask for a copy and what sq footage the Broker used and if he had used comps. I spoke to agent XXXX. She said she could not give me that information and my only option was to appeal the decision by completing the " contact us '' form. She said there was no one I could actually speak to. I completed the form twice since speaking to agent XXXX and have not heard back from anyone via email or phone. I also sent a message via twitter asking that someone contact me and never heard back from anyone. 

I paid for the BPO so don't understand why I can't get a copy but more than that I don't understand why I can't find anyone that will actually speak to me. I would like to see what the Broker used to make his decision. 

I have attached the original appraisal to show the actual sq footage and the last 5 homes that sold in my subdivision as well as the denial letter. The average per sq ft is {$110.00}. If you multiply that by my ACTUAL sq footage that is {$250000.00} and I owe {$190000.00}. That is 76 %. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation