BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-13
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/13 I called XXXX  in regards to a reduction of my credit limit from {$1000.00} to {$500.00} after I made a payment of {$700.00}. The company stated that they reduced my limit based on false information provided from creditors. 

XX/XX/13 A payment was made of {$700.00} to lower credit utilization. Immediately after that the credit limit was reduced to {$500.00}. This is impacting me significantly and I need this resolved immediately.

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 2023-02-13
Company: EQUIFAX, INC.
State: VA
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. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: DTA GROUP LLC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I deposit money with dta group first I invest XXXX dollar and then I invest XXXX dollar the reason for again deposit the money was that they make promotion for new year if someone invest XXXX dollar they get XXXX dollar as a bouns I'm living in XXXX XXXX doing job as a salesman they add me in one group I found there was more then 300 people in that group lot of them r investing XXXX dollar and they get XXXX dollar as a bouns I'm also become greedy and invest with them and I lost all of my money I already report in cybercrime but I can't get any benefit my contact number was XXXX

Company response to consumer: Untimely response
Consumer complaint received 2023-03-06
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A collection agency is trying to collect for a payment that was tendered by the original creditor. I.C. Systems Inc. sent a letter for collections in the amount of XXXX ; however, said amount was tendered by the original creditor against my check # XXXX. 

Can you ( CFPB ) please investigate this company? Or do I need the IL OAG to perform that action? 

This is an escalation of XXXX # XXXX. 

Business Information Business Name : IC System, Inc. 
Address : XXXX XXXX, MN XXXX Phone : ( 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 2023-02-14
Company: ZWICKER & ASSOCIATES
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My business was contacted by phone by Zwicker & Associates on XXXX XXXX, 2023. A message was left for me, XXXX XXXX, to return their call. On XXXX XXXX, 2023, Zwicker & Associates called my personal cell phone and claimed that I personally owed an alleged debt. Zwicker & Associates refused to supply any written information on the alleged debt. Zwicker & Associates forcefully tried to have all communications through electronic means, in which I strongly declined. Since five days of the initial contact, Zwicker & Associates has failed to provide any written communications, as required by law, and as requested by the consumer, via USPS mail for an alleged debt that was already paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
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: Information belongs to someone else

Complaint:
I am unable to get a loan with XXXX XXXX because XXXX XXXX XXXX XXXX is reporting on my credit file that my mortgage is deferred. I have been paying my mortgage monthly, and have never been late. I have never asked for a deferral. I went to a local XXXX XXXX branch, and they show XXXX deferment. XXXX XXXX local branch suggested I call the XXXX XXXX XXXX division. The mortgage division indicated that XXXX automatically applies 'mortgage deferred ' to all accounts within a disaster zone. We are located five minutes from XXXX, while we did have two hurricanes this year, we did not have a disaster, and we certainly did not ask for deferment of our mortgage. I suspect that FEMA qualifies accounts for deferment, and I suspect the bank deferred our payments without our knowledge and are collecting interest on those payments. 

I can not get a loan until this is removed. XXXX XXXXXXXX XXXX indicated it would take 50 days to have this removed - I've never asked for deferment, and have never been late on payment. This will cost me at least {$1500.00} in lost time and other payments. Can provide information if necessary.

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 2023-02-14
Company: Incomm Holdings Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I bought a Vanilla Gift Card on XX/XX/2023 ( {$400.00} ) at a XXXX in XXXX NC. Immediately after ( within min ) the purchase of the card, I attempted to use it to pay a bill and was told by the person processing the bill payment that the card was declined. I went back to the XXXX where I purchased the card and the manager stated I would have to contact the card servicer of Vanilla Gift card. 
I contacted them on XX/XX/2023. A rep asked me to email a copy of the receipt and the card to create a case file ( Case # XXXX ) and it should be resolved between 5-7 business days. I have made several calls to the card servicer. It is now XX/XX/2023 with no resolution to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Possible Financial Inc
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
This is not my account Ive never opened this it was opened fraudulently

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
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:
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 Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Chase has lowered the credit limit of both of my cards to the current balance on the cards and are charging over {$100.00} a month in interest. They are trying to say reasons that are not fair or true. This is lowering my score and my DTIR. They are telling me the only way they can offer to fix it is to hard pull my credit report and that they can not offer any other options. They told me they could not offer to send me the information about the reconciliation program in writing either, and I could accept it or deal with the lowered credit limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Equifax continues to report the wrong information on my credit report regarding a closed credit card account I had with the XXXX XXXX XXXX XXXX XXXX XXXX. Today, I received the results of my dispute to update this account. Account status is still being reported as a " charge off '', when the status should state " settled/settlement ''. I have attached a screenshot for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Account states it was opened XX/XX/XXXX Last Reported XX/XX/XXXX Payment Status Collection/Charge Off Amount {$1500.00} Company Name : XXXX XXXX Attention Fraud Department XXXX XXXX XXXX XXXX XXXX, XXXX XXXX on my credit report is a direct violation of the no surprises act. I don't know who they are, and I never received any type of notice of this account by way of mail nor email. It just appeared onto my credit report which is clearly a direct violation of the No Surprises Act and needs to be deleted immediately.

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 2023-02-14
Company: Experian Information Solutions Inc.
State: MA
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 PULLED MY EXPERIAN REPORT AND NOTICED TWO XXXX XXXX ACCOUNTS THAT SHOULD NOT BE ON MY REPORT. XXXX XXXX FOR ACCOUNT BALANCE XXXX, XXXX XXXXXXXX ACCOUNT BALANCE XXXX. MY CONCERNS THAT THE CREDITORS ACCOUNT NUMBERS ARE DIFFERENT FROM EXPERIAN CREDIT REPORT. THIS IS FRAUD AT AN ALL TIME HIGH. I KNOW MY CONSUMER RIGHTS. I AM BEING MISS TREATED. 

THERE ARE LAWS IN PLACE AND I KNOW MY RIGHTS! 
CFPB Write up In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened the account through iXXXX because Chime was advertising a {$250.00} bonus if you opened a new account with them and you signed up for direct deposit and you deposited {$200.00} or more within 30 days after opening the account. I met all requirements that were asked of me. I have spoke with SEVERAL members from their support department as well as SEVERAL supervisors from their escalation department. I've got well over 30 emails of the same emails just in this last attempt to resolve this and they keep asking me to send in screenshots of multiple things to which I have done SEVERAL times. They just keep starting me over wanting the same requests over and and over again. I've even got a email from one of their support members stating I've met all requirements but they still haven't made true to their advertisement. Im not the only one that has made several attempts to get them to hold truth to what they advertise. I've also seen that they have just closed accounts saying that people didn't meet terms and conditions to have a account with them. I just want this resolved and someone put a stop to their fraudulent advertising. I've been dealing with them since XXXX XXXX and only started trying to contact them after I met all requirments after the 30 day period yet they never held up their end of the deal that they advertise. Is there anything that can be done about this misleading false advertising?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: WESTERN UNION COMPANY, THE
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
For over 20 years I have been transfering money to XXXX XXXX for family emergencies ( death, hospitalizations, celebrations, etc ) by Western Union (WU ) with no problems, when all of a sudden a transfer on XX/XX/2018, for {$200.00} was declined and the amount refunded on XX/XX/2018. After many calls to customer service I did not get the any answer as to why! I filed a complaint with the MD Dept of Labor and Licensing ( DLLR ), who received a response from WU indicating that they made a business decision to cancel ( my funds transfer ) based on suspected consumer fraud. ( NOTE : THE MONEY SENT WAS MINE AND THE RECIPIENT WAS A NEPHEW I HAVE KNOWN SINCE HIS BIRTH! ) I appealed to WU and on XX/XX/2018, I was sent a questionnaire for reinstatement which also requested my financial information. I submitted all of the information. On XX/XX/2018, they acknowledged receipt of the information. Finally on XX/XX/XXXX, I have received a response upholding their previous decision to deny me access to their money transfer services. I requested an explanation and the reply was reason why consumer not authorized to use Western Union services can no be disclosed, it is private policy. Read all the fine print explaining services but only reasons they seem to list are based on fraud or criminal activity. The financials I sent to WU and verified by my banks and brokerage clearly prove that the money is lawfully obtained. Then when I sent their response to MD DLLR they indicated that since WU was relying on their policies they could not do anything further.

I AM BLOCKED FROM USING WESTERN UNION AND NO ONE GIVES ME A VALID REASON! I do find it interesting that after years as a GOLD CARD member, I have enough points that I no longer have to pay transfer fees, and NOW THEY DO NOT WANT MY BUSINESS!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: EQUIFAX, INC.
State: TN
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. 
XXXX : # XXXX XXXX : # XXXX, XXXX  : # XXXX, 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
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: Account status incorrect

Complaint:
Received a letter from XXXX XXXX about an account I had previously dealt with from XXXX XXXX. XXXX who was the original debt holder had removed it from my credit report around XXXX of 2022. Now XXXX XXXX  is attempting to collect and has put it on my credit report which is a direct violation of the fair credit reporting act. In addition they could not validate this debt as it had nothing whatsoever to do with them since it was removed months ago from my report. XXXX XXXX reference number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: U.S. BANCORP
State: FL
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:
I have a credit card from US Bank and I receive a statement for a {$2500.00} dollars purchase, but I wasnt me because at the time of the purchase I didnt receive my credit card ( I applied for the card I have approve but at the time of the purchase i didnt received my card ) I put a dispute with the bank and they said that I have to paid for that charge, am going to do a police report because I wasnt me who spend that amount of 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 monetary relief
Consumer complaint received 2023-02-13
Company: SN SERVICING CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
SN Servicing failed to provide accurate information to me regarding loss mitigation options and foreclosure, as required by 12 CFR 1024.38 ( b ), 12 CFR 1024.39 and 12 CFR 1024.41 ( g ). 

I submitted a loss mitigation package and never received any correspondence to date such as an ( Acknowledgement Letter, Missing Document Letter, Denial Letter or Ineligible Letter ) from SN Servicing as required by 12 CFR 1024.38 ( b ), 12 CFR 1024.39 and 12 CFR 1024.41 ( g ). 

I decided to contact SN Servicing via phone call on XX/XX/XXXX, and their representatives confirmed receipt of receiving my loss mitigation package of financial information. During the phone call the SN servicing representatives stated they never sent me any correspondence pertaining to the status of my submitted loss mitigation package. 

In addition, and according to the attached SN Servicing 's recent monthly mortgage statement my loan as of XX/XX/XXXX, is 3685 days delinquent and the last payment made was during the month and year of XX/XX/XXXX, which confirms that the six-year statute of limitations has expired long ago. 

The New York Department of Financial Services states in debt collection rule 23 NYCRR 1, Section 1.3, SN Servicing is required to inform the borrower that the statute of limitations has expired. 

SN Servicing also has never informed me in any aspect or provided me with a disclosure that the six-year statute of limitations has expired as required by New York Department of Financial Services debt collection rule 23 NYCRR 1 , Section 1.3.

Company response to consumer: Closed with explanation