BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-22
Company: Flagstar Bank, N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Around XXXX of 2020 Flagstar utilized a 3rd party bill pay for their checking bill pay options for consumers. 
This bill pay system paid out transactions without sufficient funds in the consumers account and did not reconcile current balance prior to charging fees and returning payments. 
Funds should not have NSF fees on bill pay and this is currently a option disabled withing the Flagstar banking system on my account due to bank error. 
Fee continued to attempt to charge from bill pay without sufficient funds creating an error and I was locked out of the bill pay system so could not start/stop any type of payments that were creating this fee. 
Also {$2.00} fee charged for " Right to offset ''. This should be disclosed before bank offsets with clear definition as to the charge.

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 2017-11-02
Company: Accelerated Creditors Services, Inc
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted this company several times to get validation of this debt they are saying that I owe. They have failed to respond. This is impacting my credit rating and I need this resolved or removed from my report immediately. I do n't know what this is for and I 'm trying to get a contract bearing my signature saying that I owe them anything so I can resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have been a victim of XXXX inquiry issue and I called to have these XXXX inquiry removed XXXX  XX/XX/17 XXXX XXXX XX/XX/17 XXXX XX/XX/17 XXXX XX/XX/XXXX XXXX XXXX X/XX/17 I wish to have these Inquiry removed asap ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021 Equifax received my documents disputing several accounts and inquires on my credit report. Equifax failed to remove all of the accounts and inquiries in it's initial investigation into my dispute. I have sent Equifax documents notifying them of their default. I will attach all documents pertaining to this issue below.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: TRANSWORLD SYSTEMS INC
State: CO
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am being sued by XXXX XXXX XXXX XXXX XXXX for a debt that has been paid and is also now past the State of Colorado 's statute of limitations of 6 years. My " loan number '' XXXX is also involved in your suit against XXXX by CFPB. Your stipulation tells all lawsuits to stop any legal proceedings until all XXXX laons can be sorted out by an independent auditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21
Company: Midwest Recovery Systems
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I paid XXXX financial to take care of this. The company never did send me a bill and the company that put it on my report was not the original company..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Experian Information Solutions Inc.
State: TX
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 file, incorrect information were found in my reports. The Experian and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX ) XXXX Balance {$670.00}. ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$1900.00} ; XXXX XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$1800.00} ; XXXX XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$190.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$700.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$4400.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$1900.00} ; XXXX XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$1300.00} ; XXXX XXXX XXXX IN ( Original creditor : XXXX XXXX XXXX XXXX TEXAS ) XXXX Balance {$64.00} ; XXXX XXXX XXXX IN ( Original creditor : XXXX XXXX XXXX XXXX TEXAS ) XXXX Balance {$64.00} ; XXXX XXXX XXXX IN ( Original creditor : XXXX XXXX XXXX XXXX TEXAS ) XXXX Balance {$64.00} ; XXXX XXXX XXXX IN ( Original creditor : XXXX ASSOCIATES XXXX ) XXXX Balance {$57.00} ; XXXX XXXX XXXX IN ( Original creditor : XXXX XXXX XXXX XXXX TEXAS ) XXXX Balance {$64.00} ; XXXX XXXX XXXX IN ( Original creditor : XXXX XXXX XXXX XXXX TEXAS ) XXXX Balance {$340.00} ; XXXX XXXX XXXX ( Original creditor : TEXAS XXXX XXXX ) XXXX Balance {$500.00} ; XXXX XXXX XXXX ( Original creditor : TEXAS XXXX XXXX ) XXXX Balance {$950.00} ; XXXX XXXX XXXX ( Original creditor : TEXAS XXXX XXXX ) XXXX Balance {$340.00} ; XXXX XXXX XXXX ( Original creditor : TEXAS XXXX XXXX ) XXXX Balance {$1100.00} ; XXXX XXXX XXXX ( Original creditor : TEXAS XXXX XXXX ) XXXX Balance {$500.00} ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2022-05-03
Company: Experian Information Solutions Inc.
State: TX
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 updates, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX, and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX NA Inquired on XX/XX/2022 ; XXXX XXXX XXXX  XXXX XXXX : XXXX. XXXX, XXXX  ; XXXX  XXXX XXXX : XXXX. XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
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:
TransUnion was reporting that my Cash Reserve Line of Credit attached to my checking account was closed. The Line of Credit is/was open and is in good standing and has been open since the XXXX, over 21+ years of good credit. I disputed saying the line of credit is open with a XXXX balance. TransUnion for whatever reason removed the account from my report entirely. Removing 21+ years of good credit tanked my credit score by 70 points instantaneously. 

Now that TransUnion has removed this from my credit history permanently, they say I can not file a dispute with them to add it back on my report as there is no existing record to dispute. TransUnion states the creditor ( in my case XXXX XXXX ) needs to send them a reinsertion record. I have spent over 3 days on the phone with XXXX speaking to the following departments : Cash Reserve, Customer Service via TeleServices, branch representatives at my banking office, Loans department, etc. and no one at XXXX knows how to satisfy TransUnion 's request for reinsertion. 

My Official complaint is TransUnion does provide the means for a consumer to update their credit history with good credit. TransUnion do not provide information to creditor how to send in a reinsertion report. 

My TransUnion File Number : XXXX and I am adding two screenshots from XXXX 1 ) " Screen Shot XXXX at XXXX XXXX '' result of my dispute with TransUnion, and 2 ) " Screen Shot XXXX at XXXX XXXX " displaying the XXXX information about the open active account that TransUnion should be reporting as open. 

I am also attaching screen shot " Screen Shot XXXX at XXXX XXXX '' my XXXX Accounts Page showing the active Line of Credit.

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 2022-05-03
Company: Experian Information Solutions Inc.
State: MA
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:
Important note Account name XXXX DEPT OF XXXX Account number XXXX .... 
Recent balance {$41000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX XXXX late. 
I disputed this account with Experian. I believe that it is identity theft because I do not recognize this loan on my name. It is being reported as paid every month, but I do not even know what this is. I've submitted another dispute with Experian right now through the experian.com/viewreport website. I don't pay this every month, so I don't know what it is being reported as something that is paid by me every month.

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 2022-01-10
Company: JPMORGAN CHASE & CO.
State: NC
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 closed my Chase Sapphire XXXX card on XX/XX/2021 it had approximately XXXX points associated to it. I asked the customer service representative to transfer the points to my Chase Freedom card and they said they would over the phone. I waited for the points to transfer and they never did. I assumed that it was going to take a few months for the points to transfer and then possible an additional COVID-related delay. When I realized I had never received the points, I contacted Chase on XX/XX/2021 asking them about my points. They wrote back that I had " at least 30 days from the date the account was closed to use your reward points or they will be lost ''. I never received the reward points in my new account as I was told would happen, nor was I warned that I only had 30 days to use them. The email also indicated that I had " at least 30 days '' to use them, which didn't make sense. I reached back out to Chase on XX/XX/2021 telling them I was never warned about the 30 day limit and that I never received the points in my new account, regardless of the time limit I had to use them. Chase responded that I was sent an email on XX/XX/2021 after I closed my account detailing the XXXX rule. I can not find any record of this email every being sent nor having received it. Even if I had gotten the email, I was waiting for the points to transfer and that never happened. I have tried working through this issue with Chase and they have been less than helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: Immediate Credit Recovery
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
My name is XXXX XXXX I am reaching out to the Dept. of Education and Immediate Credit Recovery. Account # XXXX I have written all 3 credit bureaus and Immediate Credit Recovery about placing my student long account in forbearance or deferment because of the Covid-19. Everyone else in the United States and my friends all their student loans were place in forbearance or deferred but mind is still reporting as Charge Off and my credit scores with no job. I can not get a place to stay because I am not working and my credit because of these student long reporting as Charge Off is ruining my life. I am asking and pleading the Dept. of Education and Immediate Credit Recovery who I didn't even know had my student loan in collection. I never received a letter until XX/XX/2021 after I wrote to the credit bureaus and Dept. of Education. I talk to my Attorney General 's Office they told me to write this letter to CFPB asking both the Dept. of Education and Immediate Credit Recovery to place my student loan in deferment or forbearance. Until I can get a job and place to stay. Also, my Attorney General 's Office said that Immediate Credit Recovery can not collect in the state of California because it is not license or have a registered agent. They are validating Federal and State laws along with FCRA Sec. 605 ( c ) and FDCPA Sec. 807 ( 8 ) & Sec. 805 ( c ). As a consumer I am suppose to be afforded protection under these laws. This causing me not be credit worth of any new credit or to get a place to live. I highly appreciate that you can assist in either removing this off my credit or update as current.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: ERC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company has reported on my credit an amount {$470.00} without notification again. This is the 4th time this company has attempted to report on my credit WITHOUT prior written notification. Even after several request no one has been able to provide proof that this account belongs to me! I am required by law for debt validation along with proof that they are allowed to collect on this supposed debt. The original dispute occurred XX/XX/2017 and seems to resurface every 6 months after being require to remove, this is illegal on the company behalf.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: EQUIFAX, INC.
State: TX
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:
Asked Equifax to remove fraud account from credit report 4 times. Provided the police report as requested by Equifax. Was told that police report provide to them was not a police report. In a federal lawsuit filed by in 2006 by me against Equifax, it was agreed that I would inform them of any inaccuracies and fraud on their report. Other two credit bureaus have removed inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX I submitted correspondence by certified mail to XXXX XXXX because of suspected fraudulent activity by the bank. I have delivery confirmation from USPS that XXXX XXXX received the letter. They have refused to address my concerns by remaining silent and have continued to seek payment. I have revoked my signature on the application as a result of un-rebuttal about the matter concerning the fraud. Attached you will find an unsigned copy of the letter I submitted to XXXX XXXX on XX/XX/XXXX. Additionally I have submitted a sworn under oath, affidavit on XX/XX/XXXX, with delivery confirmation and PROOF outlining the fraud and revocation of my signature from the original application as the law permits under fraudulent acts. XXXX XXXX has continued to remain silent about addressing the bank fraud. As a result this account is null and void. Further credit reporting is in violation of the Fair Credit Reporting Act and all parties responsible being XXXX XXXX and XXXX, XXXX, Transunion, and XXXX will risk a lawsuit with the state and federal courts for damages of this illegal activity.

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 2022-01-10
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent multiple letters asking this company to send verification of debt. If they were unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Its been removed from company because they provide information and now they have re added it back on my report without verification still. This company has recently used my personal information to change the dates on my credit report and added a fake address to my account to continue collecting from me and I was alerted by security they were trying to access my account with this false address XXXX XXXX XXXX XXXX IL XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I did not give consent or authorization of any kind to this company to have my information or come after me for an alleged debt ( identity theft ). I did not give consent for this company to contact me in any way, shape or form. In XX/XX/2021 I was contacted through the XXXX postal service that I owe them an alleged debt ( this is also postal fraud ). On XX/XX/2021 I sent a letter to them letting them know the fraud that has been committed by them in my name and I have yet to hear back from them. I have been paying my them and never entered into a contract with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: Paypal Holdings, Inc
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I got 6 unauthorized charges, they refunded 5, there is 1 outstanding, I called 3-4 times, each time they say they will take care of it, but instead sent me to collections. I'm unable to get anyone on the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-19
Company: PMR Progressive, LLC
State: CO
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 contacted Progressive over the telephone regarding a collection that credit collections is reporting. Progressive and credit collections do not respond to the letter I have sent them.

I am not disputing an amount owed, because the account shows paid, however this should have never been sent to collections * please see attached letter to Progressive *

Company response to consumer: Untimely response
Consumer complaint received 2018-11-29
Company: AMERICAN EXPRESS COMPANY
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
My direct deposit was processed and sent to Amex serve on XX/XX/18. I spoke with the CEO of our company whom confirmed with the bank that it was sent over to American Express Serve and they accepted it. 

This is the third time this has happened. The second time it happened i waited 7 days for my money and American Express deposited {$50.00} good faith credit in my account without speaking to me and sent me a letter of apology. This time i am afraid as i have rent to pay in less than 48 hours. I am in tears and i cant get through to anyone in customer service i have been trying since yesterday.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
State: MA
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the XXXX Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681XXXX, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to CORRECT immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation