BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-16
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have took the time to review my credit report and saw that there are accounts that i did not authorize being furnished to my account. I understand that by law if something is the result of identity theft it is to be blocked and removed within 4 days. Please see FTC report for full details.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have took the time to review my credit report and saw that there are accounts that i did not authorize being furnished to my account. I understand that by law if something is the result of identity theft it is to be blocked and removed within 4 days. Please see FTC report for full details.

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 2016-03-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
My wife had her cards lost or stollen. We contacted the banks we do business with, all of them EXCEPT for XXXX were super helpful. 

Wells Fargo kept her on hold for over an hour and ultimately REFUSED to suspend the card. We then requested to cancel the account to prevent any unauthorized charges, they refused that also. We spoke with supervisors and other groups, nobody could assist.

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 2016-02-17
Company: Platinum Holdings Group, LLC
State: MA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
This company " premium asset services '' refused to identify themselves when I returned a phone call after being hung up on by an employee who called my business number to verify who i was and hung up chuckling. When I called back to try to identify this " company '' and validate the reason for the call, another employee told me it was not his responsibility to inform me of the company name or matter, just that they were moving forward with the precedings and again hung up on me. I called back again and spoke to the " executive director '' who said he did n't want to argue the semantics of debt collection with me and rudely asked " if I was going to pay or not '' to which i said No. I tried explaining that I want proof of this debt and he said they have previously sent notifications. Not once did they notify me that " this is an attempt to collect a debt and any information obtained will be used for that purpose '', a phrase I know needs to be used in my state of Massachusetts under the FDCPA. They used language suggesting that they would " sue us '' if not resolved today. I have never dealt with such a bullish, unprofessional, and aggressive group. My wife stopped answering harassing phone calls from one employee because he would say things like " I do n't know what you are so afraid of? '' We have phone records of up to 4 phone calls in a single day, also against the massachusetts FDCPA. When asked to identify themselves when you do answer the phone they just repeat can i speak to " your name ''. If you ask what this call is regarding they ask if they are speaking to you. Upon finally talking to the executive director, he calmly talked to me and said " ill be honest with you, there is n't enough debt here to take you to court '', even though his colleague informed me that they were " moving forward with precedings '', another infraction. I agreed to pay the debt upon validation, and he wanted me to give him my credit card today for a future withdrawal to secure our arrangement. to which i said absolutely not, and he told me to get a prepaid card and call him back with it. I am writing this in the hopes that others do not have to deal with this type of harassment from such an unprofessional " company ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: Experian Information Solutions Inc.
State: AL
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 requested that the information on my credit report be looked into and I also requested an official copy of my credit report on XX/XX/XXXX and XX/XX/XXXX but I was ignored in my initial reach outs. When I did not receive a response I sent a a second letter and again still did not get a response. 

I now have reason to believe that I am getting ignored by the credit bureaus due to their negligence to respond to my request.

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 2020-06-15
Company: GLA Collection Company, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account was dispute on the Credit bureu and response was that info is accurate. I called GLA on multiple accounts and my info like full social security was requested wich i decline to offer. 
On XX/XX/2020 I called the company wich I was answered by an collector named XXXX. I indicated I needed all the info regarding this account charges since they claim is accurate in order to move with this information to a lawyer since I assure the account does not belong to me. The collector XXXX who refuse to provide his last name for records indicated that he can not provide any info since I mention the word lawyer that the only thing he could help was if I volunteer to make the payment. 

He indicate that the call was being recorder and that he could not help with anything else. exept volunteer payment of the debt and no info can not be provided since the word lawyer was mentioned. 

I clarify once again that part of the process is for me to gather the info of the debt in order to move with a lawyer to make any additional request necessary. 

Currently the company is adding depts to my credit report and denying to provide debt information in order to clarify the identity teft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have took the time to review my credit report and saw that there are accounts that i did not authorize being furnished to my account. I understand that by law if something is the result of identity theft it is to be blocked and removed within 4 days. Please see FTC report for full details.

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 2022-04-16
Company: Experian Information Solutions Inc.
State: GA
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: Other problem getting your report or credit score

Complaint:
I have a XXXX XXXXXXXX XXXX  XXXX and requested a credit increase. To do so, I was required to unlock my frozen credit. The first two times, I was requested to unfreeze Experian. I did so, and was told the credit was frozen. On XX/XX/2022 XXXX told me to unlock XXXX which I unlocked for two weeks. I again received a denial because my credit was locked and needed to unlock Experian. I called on XX/XX/2022 and spoke with XXXX with XXXX. She requested I unfreeze my credit with Experian. I unfroze my credit until XX/XX/2022 and requested she make a follow-up call. 

XXXX called me today, XX/XX/2022 and said my credit was frozen with Experian and it was my problem. She tried 2 times with her back office and both times it was shown as blocked. XXXX refused to escalate the problem with XXXX. I verified on the Experian site that my credit was unfrozen. Experian is unreachable.

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 2022-04-16
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX I found that my credit score had been dropped by XXXX points by synchrony Bank for a balance that was yet to be owed. I spoke with the bank who said that they would fix the problem. I checked my credit report and found that they did restore my credit score, but as of today XX/XX/XXXX synchrony bank has infringed on my credit score again dropping it by XXXX points for some erroneous reason. Synchrony bank is infringing on my rights under the California fair reporting act. Their hijacking of my credit must stop.

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 2016-05-25
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our loan was sold to Ditech.We enrolled in auto pay.They told us it would not be in effect in time for our XXXX payment. We sent a check they got it on XXXX XXXX. On XXXX XXXX they took an additional payment through the auto pay. On the XXXX of XXXX i called and after 2 hours was connected to a supervisor, who while being rude to me assured me that we would have a full refund in XXXX to 7 business days. I checked a few times to see if they had sent it back and on the 7th business day I called again, and was told a supervisor was looking into it and would call me back. They never called me back. I called back AGAIN only to be told that the person who took my call could not connect me with a supervisor because the wait time for the supervisor was longer than 5 minutes and they could not be on hold that long ... .... and again said they would call me. I have done correct.I never asked to do business with them! I have no choice of taking my business elsewhere and they refuse to give me my money back in a timely manor and have caused a me to bounce other payments and fees. They are refusing to talk to me or allow me to talk to who I need to and refused to give me a number to connect me with anyone else have records of all the people I spoke with on what day and time. Please help. Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was placed on a forbearance relief program as a direct result of COVID-19 by Select Portfolio Servicing ( " SPS '' ) on XX/XX/XXXX. SPS is the mortgage servicer for the lender XXXX XXXX TRUST, MORTGAGE-BACKED NOTES. Upon exiting this forbearance agreement, I was placed into foreclosure on XX/XX/XXXX. SPS delayed my modification application by 5 months routinely rejecting the paperwork I initially submitted on XX/XX/XXXX, and not acknowledging receipt of all required forms received. My appeal for a modification has also been denied for the reason that the servicing agreement between the lender and SPS does not permit home retention options to be provided for my non-federal loan even though they promote home retention options on their website for those affected by COVID. The portion of that servicing agreement is not being disclosed citing it is a proprietary legal agreement. I have been impacted by XXXX where I experienced one of the early cases of the XXXX resulting in being hospitalized and absent from work for a total of 10 months between XXXX affecting my income which caused me to become delinquent. Even though I have been impacted by XXXX, my lender is unwilling to work out a repayment plan through the Connecticut XXXX XXXX so a law date could be set for the transfer of property shortly. SPS is aware I can afford to pay the monthly mortgage payment now that my health has improved and is still uncooperative with offering any home retention solutions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: EQUIFAX, INC.
State: WI
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2022-04-16
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/2022 i was charged {$640.00} for XXXX XXXX XXXX XXXX. The charge was not authorized by me nor did i have knowledge of this charge and is therefore fraud. I called the company and was told the card was not present for the transaction and was made by a man. Im a woman and i was in the hospital at the time with covid. The establishment where the charge occured is also over an hour from my home. I filed a complaint on XX/XX/2022 and it was denied. I've filed another complaint on XX/XX/XXXX, XXXX im waiting to hear back. I want my money back since this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
FTC XXXX XXXX lates XXXX XXXX please remove the lates DEPTEDXXXX {$90000.00} XXXX {$10000.00} XXXX  {$850.00} XXXX XXXX lates XXXX  XXXX XXXX  lates XXXX XXXX {$400.00} 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 2022-04-16
Company: Resurgent Capital Services L.P.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I just ( XX/XX/22 ) received a letter from my employer about wage garnishment that will start on XX/XX/22. That I had no idea about any type of legal action against me.. And the amount that are wanting to garnish will ultimately cause me to not be able to pay my mortgage and the needs of my children..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I contacted them a few times and they requested I send over 30 pages of documents and would not process funds as original requested. When I left XXXX now XXXX XXXX I filled out a roll over form for all my retirement accounts. They send half to my managed 401k and then for some reason sent the other half to Citibank and converted it to a Roth. I have asked them to undo this and fix it but they refuse. Then they have asked me for 30 pages of documentation and refuse to provide me access. This should be a one page roll over form and proof of identification but I feel like this is a scam to manipulate and then deny me access to my money.

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 2016-05-10
Company: National Education Servicing, LLC
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I borrowed a total of {$38000.00} in XX/XX/XXXX and XX/XX/XXXX for my student loans with National Education Services from XXXX, IL. I noticed after making 87 payments on time that my balance was only rising. After speaking with them multiple times and not getting answers ( even when speaking to the President XXXX XXXX ) I finally talked to someone who told me there was capital interest on top of my monthly interest. The capital interest was for nearly {$14000.00} total. So my loans were starting at {$52000.00} with an additional monthly interest taking out. When I said I was never made aware of this I was told it was on my contract. When asked for a contract she said she would send it to me right away and I have yet to get it. 
It took me a while just to find out about this and again was never made aware of this, nor did my account ever reflect the total of {$52000.00}. I am appalled at this company and their actions throughout this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/15, I purchased an XXXX  reservation on my US Bank XXXX XXXX card, which I intended to use my Real-Time Rewards to cover. I had a sufficient amount of XXXX Points in my account, but I did not receive a text message. I spoke to a customer service agent who agreed the points should have been applied and sent an appeal. 

I called back and spoke to the supervisor XXXX, employee # XXXX, who informed me that the redemption was declined because the minimum amount for redeeming lodging is {$500.00}. The supervisor was unable to identify where this minimum requirement is specified online, as it does not appear in the credit card 's Terms and Conditions online. 

Eventually, I found the terms on the rewards page under " Program Rules ''. However, this page is only accessible when logged into a U.S. Bank account. When this page is accessed from a new browser, it displays " Access Denied. '' This requirement is not published anywhere when applying for the card. If I had known this requirement before applying for the XXXX XXXX, I would never have applied for the card. I am now stuck with a {$400.00} annual fee and a hard pull on my credit reports while US Bank lied about the utility of the XXXX system publicly. U.S. Bank is tricking consumers about the value of their credit card and gaining an unfair advantage in the competitive credit card market at consumers ' expense. This is not only wholly unacceptable, it is illegal under the Lanham Act, 15 U.S.C. 1125 ( a ).

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 2016-10-24
Company: Big Picture Loans, LLC
State: AK
Product: Payday loan
Issue: Payment to acct not credited

Complaint:
XXXX XXXX contacted and would not identify who they were after I demanded it at least 3 times. They stated they were a law firm representing their company. They threatened my with taking me to court, which would result in costs over {$5000.00}. I also received a call from a so called process server asking I would be home between certain hours on a specific day, she never called or showed up as se said she would. I contacted the so called complaintent as well as my bank. Not only were there not any deposits made on the day they stated their client made, but there were also not any further attempts to get their money according to my bank. I also called the complaintant, Castle Payday, who changed there name to Big Picture Loans. They informed Funds, which is definitely not XXXX XXXX! I feel scammed and bullied and into trying to set up a payment plan with someone I did n't need to! SOOO ANGRY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: EQUIFAX, 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: Reporting company used your report improperly

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

15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation