BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-28
Company: Bread Financial Holdings, Inc.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
The card, which is paid in full monthly and has XXXX balance, was declined without explanation by an online vendor. When attempting to log on to the website, I received a generic message that a " technical glitch '' had occurred. Repeated attempts later in the day generated the same message or a message that a " scheduled update '' was taking " longer than expected '' and that all my information was " secure ''. When calling the customer service phone line I received a recorded message with the same narrative. This has gone on for over 8 hours ; I see from online posts that it may have been going on for days. At this point, this company with my sensitive financial information is completely opaque. I have no way of using the card or of checking any activity on the card or of talking to any actual representative of the company or of simply canceling the card. I've received no information via email from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: RoundPoint Mortgage Servicing LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Roundpoint mortgage was the servicer on my account. My taxes were due in XXXXXXXX XXXX They sold the servicing of my mortgage on XX/XX/2022 to XXXX XXXX XXXX I received a letter from the state saying that I had not paid my taxes and now I am delinquent on my taxes. When I reached out to Roundpoint they said they accidently paid XXXX XXXX instead of XXXX XXXX XXXX. I emailed them the past due notice on XX/XX/XXXX. I have followed up with ever week since I sent the email with the notice. They keep saying they are waiting to hear how they are going to get the money back from XXXX In the meantime, my taxes are in default and I could get a lien placed on my home.

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 2022-06-28
Company: Open Dealer Exchange, LLC
State: CA
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:
My credit report was run by 700 Credit/XXXX XXXX  in XXXX, CA on XXXX XX/XX/2022 without my authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: WESTERN UNION COMPANY, THE
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Confusing or missing disclosures

Complaint:
-- On XX/XX/22, we hired a local plumbing company to do some minor work. My brother paid on the spot with a combination of cash and a {$200.00} money order he originally intended to use for a different bill but had not used yet. He had bought the MO at a supermarket ( XXXX ), which is an agent for Western Union. At the top of the MO, it says " payable at XXXX XXXX Bank XXXX XXXX - XXXX, XXXX, XXXX XXXX, Colorado. '' -- Money orders aren't supposed to bounce, and yet this one bounced. On XX/XX/22, I received a call from the plumbing company saying that XXXX Bank had rejected the MO. The plumbing company sent me a photocopy of the notice, which included the bank 's photocopy of the front of the MO, marked " Refer to Maker - Do not redeposit. '' The bank charged the plumbing company a {$25.00} return fee, which the plumbing company now wants from us along with {$200.00} -- which means an *additional* {$220.00} beyond what my brother paid for the plumbing work in the first place. 
-- Between XX/XX/22 and now, I've tried multiple times to follow the instructions on Western Union 's website ( https : //www.westernunion.com/self-service-form/rmo-form ) by calling the phone number it says to call first to check the MO 's status. Each time, I've either ended up with an automated message saying " We can't help you right now, try later '' or in a loop ( entering the XXXX MO number, entering the dollar amount, and being asked for the dollar amount over and over ). *Western Union charges a {$15.00} nonrefundable fee to track the MO it apparently rejected without explaining why it rejected it, and its list of radio buttons under Reason for Request does not include " We refused to hand over the money you paid us '' as XXXX of the reasons -- suggesting that using that form would just lose us an additional {$15.00} without solving the {$200.00} ( and {$25.00} ) mystery. 
-- I also tried calling the XXXX XXXX XXXX XXXX branch, the XXXX XXXX automated line that the branch banker referred me to, and a national number for XXXX XXXX ( including asking for the call to be escalated and speaking to a supervisor ). Each of those people asserted they can't do anything about it, it's up to Western Union.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
UPDATED INFORMATION** I was discriminated against in this consumer credit transaction. This willfill action was adverse to the interests of me the consumer. For purposes of any determination of whether an action is an adverse action under paragraph ( 1 ) ( A ), all appropriate final findings, decisions, commentary, and orders issued under section 1691 ( d ) ( 6 ) of this title by the Bureau or any court shall apply. For purposes of 1691 ( d ) ( 6 ) subsection, the term adverse action means a denial or revocation of credit, a change in the terms of an existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested. Such term does not include a refusal to extend additional credit under an existing credit arrangement where the applicant is delinquent or otherwise in default, or where such additional credit would exceed a previously established credit limit. How can i be denied the use of my credit. It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction provided the applicant has the capacity to contract. i hope to resolve this matter of discrimination as soon as possible. I already sent American Express with a cease and desist which they violated as well. If you can prove American Express that you are not discrimination or i will have to pursue this matter though litigation as the Federal law suggests. 
CFPB Ref No : XXXX Ref : XXXX Reference Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Bridge It, Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
Was a company to help repair credit was a prepaid loan if I paid a certain amount within a certain time then at the end of that term then I would be able to receive the money so actually it was a glorified savings account I did pay over {$400.00} and then covid hit and I lost my job so technically I do not owe them any money I never received a loan from them or any type of funds whatsoever they actually took money from me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On, Friday XX/XX/XXXX at about XXXX I deposited XXXX cash into the Citizens Bank ATM at the branch office in XXXX XXXX XXXX XXXX MA . Once the cash was in, the machine stopped working. 
I filled a claim as soon as the office opened on Saturday. 
The bank fraudulently claims they can not process this in under XXXX weeks. 
This is either a lie to cover their theft of my money, or an admission that they are criminally irresponsible with our money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I spoke to a representative from XXXX, XXXX, and XXXX today and they told me they were planning on filing a lawsuit against me and placing liens against my assets. I barely had time to review the documentation they sent to me. I had agreed to pay XXXX a month for XXXX months as a temporary hardship arrangement. The representative agreed to but they said they would still file the suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit 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:
Yet again JP Morgan Chase refuses to process disputes as required by law. 

Transaction date XX/XX/2023 Post Date XX/XX/2023 Amount XXXX Merchant XXXX XXXX XXXX Merchant did not provide the requested service and did not provide any resolution to numerous written complaints. 

JP Morgan Chase failed to process the dispute. They replied only with numerous automated form letters totally irrelevant to the dispute. They have not issued a credit as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Experian Information Solutions Inc.
State: FL
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:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-06-28
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To whom it may concern, I am writing to delete the following information in my file : XXXX XXXX XXXX ( Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX ) My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. This unfortunate situation affected my credit status which leads to credit denials and higher interest rates. 

I need your help to have this item removed from my credit report as soon as possible, please. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Experian Information Solutions Inc.
State: NJ
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account # XXXX, Account Name : XXXX Account # XXXX, Account Name : XXXX XXXX XXXX  XXXX Account XXXX XXXX, Account Name : XXXX XXXX Account # XXXX Account Name : XXXX  XXXX XXXX  XXXX  Account # XXXX, Account Name : XXXX XXXX  XXXX Account # XXXX, Account Name : XXXX XXXX XXXX Account XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-10-25
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-06-28
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: Investigation took more than 30 days

Complaint:
On XX/XX/2022, I requested an investigation for some items that did not seem correct on my credit report. I provided specific reasons why the accounts were being challenged along with specific instructions on what should happen to the account in the requested information could not be provided within 30 days according to the FCRA. 

40 days went by and the items still were appearing on my credit report and the method of verification still was not provided. 

On XX/XX/2022, I requested a re-investigation into those same accounts with the same results. Nothing was removed and the method of verification has not been provided. 

It is now, XX/XX/2022, and the accounts in question are still showing on my credit profile and are listed below along with the reason for the investigation. 

XXXX XXXXXXXX Method of verification was not provided. 

XXXX XXXX Account was removed and added back without a re-insertion letter. Method of verification was not provided. 

XXXX XXXX XXXX Method of verification was not provided. 

XXXX XXXX XXXX This account was a pay per delete but is still reporting on my credit XXXXXXXX XXXX  XXXX Method of verification was not provided XXXX XXXX XXXX Method of verification was not provided XXXX XXXXXXXX XXXX Method of verification was not provided XXXX XXXX This account was a pay per delete but is still reporting on my credit XXXX XXXX Method of verification was not provided XXXX XXXX XXXX XXXX This account was a pay per delete but is still reporting on my credit XXXX XXXX XXXX Method of verification was not provided XXXX XXXX Method of verification was not provided XXXX XXXX Method of verification was not provided XXXX XXXX XXXX Method of verification was not provided XXXX XXXX Method of verification was not provided XXXXXXXX XXXX XXXXXXXX Method of verification was not provided XXXXXXXX XXXX XXXXXXXX Method of verification was not provided XXXX  XXXX Method of verification was not provided XXXX XXXX Method of verification was not provided XXXX XXXX XXXXXXXX XXXX Method of verification was not provided No Name Account XXXX Account is incomplete, how was this verified ? 

XXXX XXXX XXXXXXXX Method of verification was not provided XXXX XXXX XXXX XXXXXXXX Method of verification was not provided XXXX XXXXXXXX Method of verification was not provided XXXX XXXX XXXX XXXX Method of verification was not provided XXXX XXXX XXXX XXXX Method of verification was not provided

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: EQUIFAX, INC.
State: MS
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:
n accordance with the Fair Credit Reporting act XXXX Accounts : XXXX XXXX Account number:XXXX XXXX XXXX account number:XXXX, XXXX XXXX account number:XXXX , XXXX Account number : 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
Consumer complaint received 2022-08-22
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX I paid online my full past amount due. It was only about {$510.00}. That included any payment up until XX/XX/XXXX that may have been delinquent. Then, when I go to make the next payment in XXXX, I see via my credit report that the account has been delinquent since XXXX of XXXX. So my payment in XXXX, never covered the past due amount because somehow, even though I clicked " pay past due amount '' it was {$6.00} short. I, of course, didn't realize this until this next payment was due, because they didn't care to tell me. But what the issue is here is a random {$6.00} debt that must have been applied the moment I clicked " pay past due amount '' that keeps my account delinquent no matter how hard I try to pay it. I don't want to make another payment in fear they will just take my money and add another {$6.00} to keep me delinquent. 

This is seemingly predatory, and the lack of communication and effort on the loan collectors side is unbelievably unhelpful. 

The loan servicer is UAS. When I called the first time to ask why this was happening, the customer service agent hung up on me within minutes of hearing about this extra {$6.00}. When I called back the new agent told me it would take a while to review the account. Meanwhile I can not buy a house because of how these reports are affecting my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: Experian Information Solutions Inc.
State: TX
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:
Hello yes I talk to someone in the fraud department from Experian on the date of XX/XX/XXXX. The only reason for me contacting Experian is that I noticed some old addresses, employers and also collections with hard inquiries that are unauthorized without my consent. So I asked them on XX/XX/XXXX to simply remove the old addresses and dispute a few of the other items since the addresses were incorrect. They explained that they would contact me in 30 days and to also let the changes take up to XX/XX/XXXX hours to show results. I have been checking my file and I dont see any changes at all.It would be extremely helpful to be able to see my entire credit file but they dont allow that .While on the phone with the agent yesterday I explained the trouble it is of not being able to review the entire credit report .If I cant see the report how will I be able to handle this issue accurately and appropriately to prevent me and them from making future mistakes they want us to upgrade our subscription for XXXX a month to be protected against fraud and review the entire credit file accurately.This is absolutely unacceptable and they are in violation of code 1681c-2 block of information resulting from identity theft. And also 1681n.Civil liability for willful NonCompliance, Congressional findings and statements of purposely incorrect information from the reseller and Credit Company.They either need to delete these accounts and collections

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 2022-06-28
Company: Harris & Harris, Ltd.
State: ND
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Today ( XX/XX/2022 ), I had received a text message from Harris & Harris supposedly a debt collection firm for the State of Maryland, XXXX requesting me to pay for services. I had not received using the name, XXXX in the text message including using my official cellular telephone number XXXX to pay at " XXXX '' or click this link to pay at " XXXX XXXX XXXX ''. In which, I had not received any medical services at any of the State of Maryland, XXXX or any other services. I do not want Harris & Harris debt collector firm sending me any other fraudulent debt collection alleged text message bill when I do not live in the State of Maryland. Either do I want Harris & Harris debt collection agency placing fraudulent debt collection bill onto my credit file report.

Company response to consumer: Closed with explanation