BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-07
Company: AMERICAN EXPRESS COMPANY
State: LA
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:
In XX/XX/2020 I found an online shopping site named " XXXX '' I found this site using XXXX 's search engine. 
My initial search was for a woman 's bike. 
I found what I believed was a lucky break after spotting a woman 's 26 '' bike for XXXX bucks. 
I placed the order using my XXXX account at checkout. 
I noticed something unusual when I didn't receive the normal order confirmation email which all online companies are required. 
I did however receive a receipt from XXXX. 
Because of my skeptisum I returned to the site attempting to contact customer service support. 
That's when things really began to look suspicious. 
The site provided a way for customers to contact the merchant via phone and email. The phone number provided by the company is non active. 
The email contact page doesn't allow the messages to send through. 
My XXXX receipt shows a tracking ( XXXX  ) On the day of delivery I monitored my livingroom window all day. 
I contacted ( XXXX  ) who informed me that the package had been delivered to an address not mine and was signed for by a man. 
I was then prompted to reach out to the seller whom I already knew could not be reached. 
I did inform my debit card issuer : AMEX. 
Filed a dispute for investigation and was given a 45 day total XX/XX/2020 of when I should expect to receive the determination of my refund being credited to mine account. 
I am past that date and AMEX dispute department is avoiding me. I can no longer reach a live agent. 

At this stance AMEX has convinced me that the possibility of the dispute supervisors may have either stolen the refund or perhaps may be involved in the cyber criminal website fraudulent scams. 
There is also another dispute I filed for a transaction with a different online site : " XXXX XXXX '' I have also cooperated in uploading all requested/required documents but again AMEX is not being cooperative. 
It's quite mysterious as to how I'm allowed to file the disputes and provide proof of the transactions and me not having the merchandise then when it's time to be refunded AMEX disappears. 
I have uploaded plenty proof of purchase and proof of transactions. 
I am owed a total of {$88.00} from these companies. 
I live in poverty and this is wrong on so many levels. 
These folks have no morals what so ever but being poor I am judged daily. 
Who is going to Jude these thieves??

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Fair Collection & Outsourcing ( FCO ) placed an account ( XXXX ) on my credit reports in the amount of XXXX and sent me an offer on XX/XX/XXXX of XXXX to clear up this account. The first violation was that they placed this alleged account on my credit reports before they notified me in writing. On XX/XX/XXXX I requested validation of the alleged debt, with the foloowing : statemement which matches the balance being claimed, list of charger from the orginial creditor ( updated as of XX/XX/XXXX ), Proof that they are licensed and bonded as a Collection Agency in Maryland, when was the aprtment released. We never received all of the information requested ( see attachments ). XXXX stated that XXXX in there client but I contacted them and they said they have a new owner as of XX/XX/XXXX and any accounts prior to that is no longer there and to contact the Collection company. FCO is trying to collect on an alleged account that is Past the 3 year Statute of Limitation of debt collection in Maryland. The lease is n't signed with my signature by with a generated signature by has a signed signature by the apartment authorized representative. So if I was presented to receive keys then why is n't my signed signature of this document? And the statement has charges for rents in advance which is a violation if the apartment was released during that time. I pointed all these items out to XXXX with FCO. He stated that they received this alleged account on XX/XX/XXXX but its reporting on my credit reports as XX/XX/XXXX, he stated that they didnt start reporting it until XX/XX/XXXX but they started reporting it in XX/XX/XXXX which is violation. FCO has proof from a previous account with them XXXX that shows my signature and that I was living in another apartment at the time of this alleged lease.

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 2020-04-07
Company: Remitly, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I made TWO TRANSFERS to my account in another country and the money never arrived. First the company tells me that there was a typo in my account number, a second attendant told me that there was no mistake and that everything was fine, but they did not know the reason why the money did not reach my destination account. I contacted the company three times to resolve and each time I stayed in the queue for more than 12 hours. I was promised to investigate the case and return in 24 hours. That was 5 days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: Early Warning Services, LLC
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Nothing was done by my bank. There was a payment sent through zelle XXXX i tried contacting the seller with no luck on refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: Experian Information Solutions Inc.
State: MN
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 never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent.

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 2016-04-24
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We have been requesting since XXXX 2016 a total account of the money paid for mortgage and also in our escrow account. We have sent a certified letter to Wells Fargo and they stated we had to go to their lawyer because we are appealing a summary judgement to keep our home. The lawyers after sending them a certified letter they stated we needed to request the information from Wells Fargo. It appears no one wants to give us an account of our money which is our legal right.

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 2020-04-07
Company: TRANSUNION INTERMEDIATE 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: Old information reappears or never goes away

Complaint:
Back in XXXX of 2020 an account XXXX XXXX and XXXX was deleted. But has been reinsurted as a new account in and around XXXX, XXXX 2020. This is a violation of FCRA rules. 

Please see attachment ; I believe that XXXX XXXX XXXX and XXXX original creditor : XXXX XXXX XXXX XXXX with a balance of {$1.00}, XXXX was reinserted intentionally to hurt and damage my credit score and profile. This is a violation of FCRA rules and regulations of the FDCPA.

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 2016-11-07
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX 2016, my lender started sending letters saying purchased insurance on my behalf, and then they increased my 30 year fixed loan. I provided them with proof of insurance with no lapse in coverage in XXXX and XXXX. As of XXXX, they have n't acknowledged receipt of my insurance information. My insurer has provided to the lender twice. I have mailed the information to them in a certified letter on XXXX/XXXX/16. The prior lender also provided them this information when they purchased my loan. Additionally, my lender is sending me letters indicating I 'm a month late with a mortgage payment. I provided them proof of all my timely payments, which were electronically transferred from my band into their account. I 've spoked with XXXX representatives from my lender. Most of the time, they indicate that their computer monitor is not working and they ca n't look up my information. I 'm fearful that they are trying to foreclose on my home. I 've always been compliant and timely, and I have proof.

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 2016-07-28
Company: Ascension Point Recovery Services, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Ascension Point keeps calling our # repeatedly, sometimes more than 10 times each day. This outfit is trying to contact us about my deceased mothers credit cards. We have done the research on this company, and they try to collect debt from families of the deceased. We have NEVER been a signer/co-signer of any type with her. My wife and I both work XXXX, so this is BEYOND annoying. This has been going on for better than 60 days now. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
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: Account information incorrect

Complaint:
Violation of the CARES Act. The issuers listed late payments after payment arrangements/accommodations were made.

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 2022-09-13
Company: CITIBANK, N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
ON XXXX XXXX citibank sent _3 unauthorized wire transfers to 3 banks across the country from my checking acc. totaling $ XXXXwe found out about an hour after it happened and when we called to trty and stop it, we wewe put on hold by the fraud dept. for an hour and 15 minutes.we were then aasked to fill out 3 affidavits saying it wasn't us and was without our knowledge.we were then told it would take up to 60 days for the investigation.after the 60 days was over we were told it would take up to 90 days because of the large sum of money.During this time everytime i called and asked for info i was told someone would call within 48 hours.5 times i was told this and it never happened.my branch manager called and she too was told within 48 hours she would recieve a call.NEVER HAPPENED.During this time without warning XXXX was put back into my acc. again when i called and asked about the other XXXX $ NO ANSWER.it is now day 117 how much longer do i have to wait for some from citibaank to give me some info.I 've been with the bank for 35 years and am still just a number not a person who deserves to get an answer.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 2022-05-05
Company: TD BANK US HOLDING COMPANY
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 information incorrect

Complaint:
Violation of the CARES Act. The issuers listed late payments after payment arrangements/accommodations were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Account Number : XXXX The account is closed and paid in full. It has been over 7 years since the account was open. Therefore, I am asking for you to remove this item immediately. 
My XXXX XXXX XXXX mortgage account has 30-Day delinquencies for XXXX and XXXX. My original mortgage servicer was XXXX and was bought out by XXXX XXXX XXXX in XXXX. Due to the recent XXXX settlement, XXXX XXXX XXXX was one of the lenders who were found guilty of extensive mortgage servicing misconduct and deceptive practices during the XXXX settlement. Therefore, my 30-Day delinquencies are a result of their misconduct. 
At this time, I ask that you remove the 30 day late payment immediately off of my account and credit report.

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 2016-01-29
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
To whom it may concern, My wife and I owned a condo that was foreclosed on. The deed was taken over in XXXX of XXXX. The property/deed sold to a new party on XXXX XXXX, XXXX. At that point we should have no ties to the property/asset. Experian reports property was foreclosed XXXX XXXX. 
The latest information on our credit report shows that the credit union that we had the mortgage under has been reporting a " failed to pay '' from XXXX XXXX up to the present date. Our understanding through loan officers is that the said credit union should have discontinued any reporting after the foreclosure date occurred. 
Our correspondence from the credit unions Senior Recovery Specialist was as follows : Based on this investigation, ( Credit Union ) response is that the information you have disputed is both true and correct according to all available documentation. As such, no corrections will be submitted to the credit reporting agencies and any electronic disputes would be resolved as 'Correct as reported. '' Can this issue be resolved through the credit union or does it have to be resolved through each credit reporting agency? 
I 'm not sure if this affects the credit reporting. However, I did find out that our condo was recorded in the XXXX XXXX Department of Assessments with an OLD address. I was able to have them change their records to match up the parcel number with the newer updated address. The parcel number now matches the address listed at the credit union. 
We appreciate your assistance.

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 2020-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 went into the dealership XXXX XXXX in XXXX XXXX Michigan to purchase a vehicle on XX/XX/2019. I already had pre-approved financing. I told that to my sells person I advised him in the beginning that i only wanted my credit ran through the bank that had approved me. At that point thats all that was done. Well come XXXX XXXX I get hits through my credit bureaus that my credit had been ran through 5-6 creditors while Im sitting home heading up to the dealership to pick up my vehicle and i never gave permission for my credit to be ran. Then come to find out they ran my credit as a co-signer to someone I dont even know. Ive called several times and it still hasnt been resolved and its still on my credit report till this day. They even ran my name with the finance company who had already approved me twice now its showing 2 inquiries for the same company

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 2021-11-12
Company: Paypal Holdings, Inc
State: CA
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:
On XX/XX/21 I was denied access to my cash balance of {$46.00} which was deposited with my prepaid paypal cash card. I have a cash balance of {$46.00} that I want to withdraw so I can close my account. All transactions involving my account are being declined. Paypal says I am a permanently limited account holder and denied use of my account... .unable to proceed after login. I get a block that says problem with account contact support, I go to contact us ... and it says access denied. I only want the money I put in the account... It's money I prepaid. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: EQUIFAX, INC.
State: PA
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:
Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: CL Holdings LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any invention result

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
XXXX XXXX, on advice from free legal aid in town, I wrote a letter to all XXXX credit reporting companies asking them to research things I did not understand or agree with. Experian is the only one that never answered me. I was advised to file a complaint and you can help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-09
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Information on there that should n't be over 7 years old disputed things never taken off with proven paperwork car shopping inquiries with in a XXXX week period being charged as high inquiries never new some shopping at just XXXX car dealer if I do n't like the deal at financing I do n't have to agree it 's not fair car dealer sends XXXX or XXXX banks and I get points lowered because car dealer slung my deal to XXXX banks guess I 'm to have cash for every thing

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have received a decision by Experian that they had verified that the account is mine. 
I find it interesting because I had disputed with XXXX XXXX XXXX on the CFPB interface and they had confessed that they do not have or could not provide the original instrument of indebtedness in its original form or in any form for that matter. 
It further proves that Experian has not done its proper due diligence in verifying the accuracy of the information that they place on the credit report. 

It is sad that there are multiple people in the world who experience id theft and instead of going after the real culprit, they go after the victim and try to force the obligation on the victim.

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