BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-16
Company: Signature Bank (NY)
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I was doing online dating metting a woman and she introduced me to a investment company called XXXX she told me to sign in and I did and doing the XXXX trading, by the time i need to take out the money I wont able to get my money back the just disappears

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Emails from this lending service company contain third party tracking pixels. Also known as web beacons, these codes are embedded in invisible pixels in most service emails and are designed to collect private data such as IP address, device and browser details, time, forwarded email addresses etc. Unlike cookies, there is no request for customers ' consent, and prior privacy disclosure is considered inadequate as per all privacy laws I am aware of. After years of reports to the customer service, domain registrant, admin, tech and abuse departments, no one bothered to even respond with reasons and any optout options.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
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:
Someone XXXX my XXXX  a few years ago when I was at a car wash and I see now that they have opened accounts using my information, I am a victum of identity fraud and i am XXXX off. I need my reports corrected as soon as possible.

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 2020-10-02
Company: AmeriHome Mortgage Company, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am currently going through a refinance with a lender. The title company for the refi alerted us that I owed property taxes, and that I would not be able to close until they are paid. I reached out to Amerihome to find out what is going on. 

XXXX County, MD given home owners a 1 % discount if property taxes are paid in full by XX/XX/XXXX of each year ( the most recent property tax bill is attached to show that XXXX, a 0.5 % discount if taxes are paid by XX/XX/XXXX of each year, no discounts if taxes are paid by XX/XX/XXXX. The County begins assessing penalties if taxes are paid after XX/XX/XXXX of each year. Taxes may be paid in full ( and must be paid in full to take advantage of the discount ), or semi annually - by the end of XXXX of each year for the first installment, and by the end of XXXX of each year for the second installment. 

On their website, Amerihome claims that payment for property taxes is " disbursed from your escrow account and sent to your taxing authority prior to the due date ( discount date, if applicable ). '' ( A copy of the print screen is attached ). I pulled by escrow history from Amerihome and it showed that the services never paid my property taxes by the discount date, meaning that I never took advantage of the discounts offered by my County, even though Amerihome on their own website state that they pay property taxes by the discount date.

I tried to get someone from Amerihome 's compliance department to contact me ( the helpdesk staff can not handle these issues, as I understood from talking on the phone with them ). I contacted Amerihome in writing about this, I called them about this issue as well. And no one has got back to me. 

And now Amerihome failed to pay this year 's taxes ( not even the first installment! ) by XX/XX/XXXX. ( Evidence attached ). The County is  now assessing penalties and fees, and my refi is in danger of not going though! I will likely have to pay my taxes out of pocket, even though the servicer has been collecting my escrow payments every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
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: Personal information incorrect

Complaint:
The address listed do not belong to me, I have never lived at any of these address that are posted on my credit report. 
Please see the attached photocopy of my drivers license for your reference. 

For the record : 1. My name is : XXXX XXXX 2. My current address is : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2017-02-03
Company: TRANSWORLD SYSTEMS INC
State: OK
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
This is for an XXXX credit card for a debt from 2008 in which they did a wage garnishment from my husbands XXXX XXXX pay for over {$10000.00}. Now they are saying we still owe {$25000.00} for interest that accrued during the time that the garnishment was being paid. I sent them a letter along with a copy of my husbands orders and a Powers of Attorney in XXXX stating that my husband is currently XXXX and falls under the XXXX as XXXX has now turned the debt over to a 3rd party debt collector called Transworld Systems Inc . I just a got a letter today called a Notice of Intent to Initiative Administrative Wage Garnishment Proceedings ... .threatening to garnish my husbands wages again! When will this end and how can they garnish a soldiers wages when he is XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: Experian Information Solutions Inc.
State: GA
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:
I DO NOT CONSENT TO AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ACCOUNT ( S ). BLOCK AND REMOVE!

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 2020-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT ARE NOT MINE BEING REPORTED BY YOUR AGENCY. I SENT DISPUTE LETTERS ON XXXX WITH NO INVESTIGATIVE REPORT RESULT RESPONSE. 

AS OF XXXX THERE IS A 30 DAY VIOLATION WHICH IS INDEFENSIBLE UNDER THE FCRA GUIDELINES.

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 2017-08-05
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 information incorrect

Complaint:
All debts reported by Experian and all reporting agencies are non-existent. I am a Social Security benefit recipient since 2004 and I receive free medical care through XXXX prior to 2004. Any charges greater than XXXX approves are not valid. The decision to pay is made jointly by XXXX & myself, the patient in this case. There is no argument that any medical or related services or products unpaid by XXXX are unauthorized and not valid. The patient ( myself ) did not agree to these products or services at any time. In a Court ordered evaluation the final determination as to payment is made by a consult of patient and Judicial, and then answered by XXXX. Malpractice in medicine is a crime against humanity. Judgments made by emergency room physician ( s ) can never be considered sound. When there is agreement as to unnecessary use of medical products and services, we do not reimburse the physician due to grave hardships which include death ( s ) of the patient. .All medical emergency cases are equal in nature. Regarding medical practices other than emergencies, persons have the right to pursue happiness, but they must be CONSENTING ADULTS. I AM NOT A CONSENTING ADULT IN ANY PRACTICES OTHER THAN EMERGENCY LIFE, IN WHICH CASE I AM PROVIDED FOR BY MY FAMILY OF DOCTORS AND THEIR PRODUCTS ONLY. IT IS NOT POSSIBLE TO APPROVE ANY PAID EMERGENCY TREATMENTS OTHER THAN THOSE ENFORCED BY THE CIRCUIT COURT SYSTEMS FOR EVALUATIONS ON CRIMINAL TRIAL MATTERS. TRIAL EVALUATIONS DO NOT REQUIRE TREATMENT, I.E. THEY ARE A BRIEF INTERVIEW ABOUT COMPETANCY AND ARE SERVED IN THE PRIVATE OFFICES OF AUTHORISED CONSULTS.

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 2020-10-02
Company: Social Finance, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2020, I notified SoFi of transactions that I did not make nor did I authorize. I followed SoFi.com directions on how to dispute unauthorized transactions. The transactions total {$2800.00}. SoFi has  partnered with The XXXX XXXX  for the MasterCard debit card these transactions were made with. On XX/XX/2020 I received an email stating that my dispute was not going to be processed. SoFi was not going to submit the dispute according to the MasterCard master  merchant agreement. SoFi did not submit the dispute to The XXXX XXXX. When asked why I received an email stating " During the course of all of the transactions you are disputing, there were no failed PIN attempts or declines in reference to the charges indicating whoever was using the card knew the available balances ; this is including multiple deposits made during the time period. '' This is not a true statement. I contacted all the merchants in an attempt to dispute the transactions directly with them. Most of the merchants told me to file a dispute with my bank, that they can not just refund a card. One of the merchants told me that nothing matched my information, specifically my name. Meaning the name used to make all these online transations wasn't mine. The explaination also states no failed pin attempts. All of these transaction were online, no merchant asked for your pin for an online transation. As  far as the declines, that statement is also not true. On XX/XX/2020, another transaction I did not authorize hit my account. Filed a dispute and again was denied. The response I received was " 1. You have had previous transactions with the merchant. 2. There have also been multiple attempts for other transactions with the merchant that were denied due to insufficient funds in the account. Just because I did business with the merchant does not mean that I authorized any additional transactions. The first response said i was being denied  because there were no attempts denied and the second response states i was being denied because there were " multiple attempts for other transactions with the merchant that were denied .... ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: Experian Information Solutions Inc.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XX/XX/2022 is well it all started... 

Not sure of the exact dates but : -someone opened a credit card/ checking account under a name similar to mine. 
-My credit card was hacked ( XXXX ) -XXXX account was hacked -XXXX  was hacked I have things for ( which I don't have a clue what they are ) : 1. XXXX 2. XXXX 3. Experian

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 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 non-monetary relief
Consumer complaint received 2020-03-05
Company: Experian Information Solutions Inc.
State: NY
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:
Experian Information Solutions , Inc. et al. are in violation of the Fair Credit Reporting Act and have willfully failed to follow reasonable procedures to assure maximum possible accuracy of information contained in my consumer credit report. Experian Information Solutions , Inc. et al. are willfully and intentionally reporting false information on my credit report arising from identity theft. The false information is defamatory, is furnished with malice or willful intent to injure me, and has caused me mental anguish, embarrassment, and humiliation. I believe Experian Information Solutions , Inc. et al. has discriminated against me on account of my race and nationality by willfully reporting false information arising from identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
You are in receipt of notice under the authority of the Fair Debt and Practices Collections Act regarding the alleged XXXX XXXX account XXXX. Please document and verify and/or validate the debt by complying in good faith with this request for validation and/or verification of the alleged debt. I dispute part of, or all of the alleged debt.

1. Please furnish a copy of the original promissory note redacting my social security number to prevent identity theft and state under penalty of perjury that your client named above is the holder in due course of the promissory note and will produce the original for my own and a judges inspection should there be a trial to contest these matters.

2. Please produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect.

3. Please identify by name and address all persons, corporations, or any other parties having a security interest in legal proceedings regarding the alleged debt.

4. Please verify under penalty of perjury, that as a debt collector or service provider, you have not purchased evidence of debt and are proceeding with collection activity in the name of the original maker of the note.

7. Please verify under penalty of perjury that you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.

6. Please provide certified verification from the stated creditor that you are authorized to act for them.

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 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

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 2017-02-03
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Credit card
Issue: APR or interest rate

Complaint:
AMERICAN EXPRESS PUT ME INTO A PENALTY APR OF OVER 26 PERCENT AFTER BEING WITH THEM FOR OVER 20 YEARS. I CALLED ON SEVERAL OCCASIONS AND EXPLAINED I WOULD CATCH UP ON MY BILL WHICH WENT " LATE '' SOMETIME IN XXXX XXXX. I HAD A DEATH IN THE FAMILYXXXX AND IT REALLY TOOK A TOLL ON ALL OF US ... I MADE GOOD ON MY PROMISE AS AN AMERICAN CITIZEN TO AMERICAN EXPRESS. I HONORED MY PROMISE AND PAID XXXX ON THE DEBT SOME TIME IN XXXX XXXX. HOWEVER, DUE TO XXXX. I MADE AN ERROR AND AGAIN HAD A LATE PAYMENT IN XXXX XXXX -- BY 24 HRS. AMERICAN EXPRESS DID FORGIVE THE LATE FEES. HOWEVER, BECAUSE OF THE LATENESS IN XXXX XXXX THE PENALTY APR STUCK TO THE TUNE OF OVER XXXX A MONTH IN INTEREST. AMERICAN EXPRESS SAYS THAT THEY JUST ADJUSTED MY APR " GRACIOUSLY '' BACK TO XXXX ( XXXX ) PERCENT AS OF TODAY --. BUT THE DAMAGE IS DONE. YES. I WAS LATE IN XXXX XXXX BY 24 HOURS ON A PAYMENT -- BUT MY FEELING IS THAT WHEN I MADE THE LUMP SUM PAYMENT IN XXXX XXXX I HONORED MY COMMITMENT AND I SHOULD HAVE BEEN REMOVED FROM THE NOW {$400.00} IN PENALTY FEES / APR INTEREST AT THE RATE OF XXXX PER EACH MONTH XXXX XXXX AND XXXX XXXX. NOT SO SAYS AMERICAN EXPRESS -- THEY SAY THAT ANY LATE PAYMENT PUTS A CONSUMER INTO PENALTY APR FOR 12 MONTHS. HOW NICE ... ..SO IF MOST CONSUMERS HAVE ABOUT XXXX IN CREDIT CARD DEBT, THAT MEANS XXXX LATE PAYMENT TO AMEX CREATES XXXX {$2400.00} IN INTEREST FEES. {$2400.00} AT THE RATE OF XXXX PER MONTH X 12 MONTHS. THIS IS NOT AMERICAN -- AS IN AMERICAN EXPRESS -- -THIS IS PREDATORY.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-10
Company: TRANSWORLD SYSTEMS INC
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This website states that a debt collector can not call more than three times a week. This company calls me multiple times a day! I have a screenshot of my call log, four times today they called me! All during work hours, which I will not answer a personal call. 

XXXX The debt collector communicates with you or your spouse more than three times in one week. '' Transworld Systems/TSI XXXX is the number that calls me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: EQUIFAX, INC.
State: NC
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXXI 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 XXXX XXXX XXXX XX/XX/XXXX XXXX CO XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX NC XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: EQUIFAX, INC.
State: GA
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:
I DO NOT CONSENT TO AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ACCOUNT ( S ). BLOCK AND REMOVE!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: EQUIFAX, INC.
State: NJ
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 XXXX, 2020, I pulled my credit report from XXXX and went over it and found out multiple accounts that were not mine, several years ago, I lost my personal documents, that could be a reason of why those unknown accounts were on my credit report. I have no other reason but to believe that I am a victim of Identity Theft, I am currently dealing with Identity Theft Issue with the credit bureaus since I found out, I am almost done, except that I recently review my updated credit report and found out a new account on my credit report that does not belong to me, the collection name for an alleged medical debt is XXXX XXXX XXXX, so I am asking to please stop further collection activities and remove it from my credit report.

Company response to consumer: Closed with explanation