BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-24
Company: COMMERCE BANK
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/XXXX there were 2 charges were applied to my credit card that I did not authorize. On XX/XX/XXXX there was 1 charge applied to my card that I did not authorize. I discovered these unauthorized charges during the first week of XXXX and immediately reported those to the credit card company. After they conducted their investigation, they concluded that 2 of the 3 charges were authorized and 1 was not, because that charge was removed. 

All I received is a generic letter, date XX/XX/XXXX stating that the claim was being denied. I immediately called them back to ask how they determined that and to let them know, again, that I did not authorize those charges but the individual handling our case was unavailable and I was told that they did not have any details on our claim and we could only speak with the investigator that conducted the investigation. They said that they would leave them notes and that they would have the investigator call me back. No call was received. I have called back multiple times but the investigator is always unavailable. I have left a message each time but they have refused to return my calls so I can ask questions, get additional information, or file an appeal of the decision. 

One of the charges is from a web-site called XXXX, the other is a site called XXXX. If you go to those websites they each sell exactly 9 items only. The 9 prices of the 9 totally different items are exactly the same on both web-sites ( screenshots attached ). The web-site for the fraudulent charges they agreed was unauthorized was remarkably similar : XXXX. 

We have not received any mail, shipments, or e-mails from any of the companies above.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
There are XXXX accounts that are reporting incorrectly on my credit report : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX. 

I have provided proof to each credit bureau that the information is reporting differently on all 3 credit bureaus. I have also reached out to XXXX XXXX directly and advised that each account is reporting differently to XXXX, XXXX, and TransUnion. 

Ironically, each bureau has been able to verify their status is correct, when all 3 are reporting differences.

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 2022-06-24
Company: Firstsource Business Process Services, LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I ordered shirts from a XXXX Company ( XXXX ), that is located in XXXX, and elected to make payments using a third party payment program, called " XXXX ''. I received my first order of shirts in about three weeks. I tried one on, and it didn't fit. Since all of the shirts were Hawaiin style shirts, I didn't need to try every shirt on. I packaged the shirt in it's original package, and contacted XXXX and XXXX for a return authorization number for all of the shirts. XXXX contacted me back via email, and stated that they would give me 35 % off of my next order, if I keep the shirts. I emailed back, that I am not keeping shirts that do not fit. They emailed back, that if I return the shirts, that they might get lost or stolen. I emailed back, asking, " how would they get lost or stolen with tracking numbers and signature confirmation? '' No answer to that question, but they sent me a return authorization number, and where to send the items to, and it wasn't back to XXXX. It was some address in California. After spending {$38.00} out of pocket, to send their junk back, with tracking numbers and signature confirmation of return, I contacted " XXXX '' by email of the situation, and received the same XXXX responses from them as well. I told them that the items were returned with tracking numbers, and signature confirmation of return, and that I am not making anymore payments. I also stated that I want my money back from the previous payments. They emailed me stating that I still need to continue to make payments until they get confirmation from XXXX. I emailed stating that I am not making anymore payments, and that I'm filing a dispute with my credit card company, which I did, and received part of my money back. They emailed back asking me to send pictures of the returned items, showing the tracking numbers. As I stated earlier, everything was still in the original packaging, so not much to see, except the packaging with the postal information on the outside. XXXX asked for pictures too, showing the packages with return address and tracking numbers. I just recevied an email from a debt collector ( firstsource ADVANTAGE ) trying to collect for " XXXX and XXXX, on merchandise that I returned on XX/XX/2022. Now after being harassed by three different companies, I want the money ( {$38.00} ) back that I paid out of pocket, to return the items. Everything that I have stated in this post, is documented in black and white with all three companies, via emails.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: ARM Professional Services LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
ARM Professional services was e-mailed a cease and desist letter however, they ignored my communications and continued to contact me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Experian Information Solutions Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I HAVE SENT OVER SEVERAL DOCUMENTS OF REMOVING ACCOUNTS THAT HAVE BEEN NO LONGER TO REPORT ON MY CREDIT REPORT, NO ACCOUNTS SHOULD BE REPORTING ALSO I HAVE TRIED TO REACH OUT TO REMOVE UN AUTHORIZE INQUIRES.

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 2022-06-06
Company: Experian Information Solutions Inc.
State: TX
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:
I have tried on several occasions to have Experian explain to me why there is such a great disparity in the credit score they show for me and the one 's the other two agencies are showing with no success or answers. 
The last straw was this month when my score actually went down after a hard inquiry fell off!!! My score with Experian was XXXX, but today it is XXXX. XXXX has me at XXXX and XXXX is showing XXXX ( it will update on XX/XX/XXXX ). 

Why is there such a vast difference in my credit score with Experian? Is this Legal? My credit usage is very low, my payments, on all accounts, have never been late. I have attached a copy of my credit scores as of XX/XX/XXXX. As a consumer who works very hard to maintain my deserved high score this is very stressful. There is absolutely no reason my score should be in the XXXX 's. And to add insult to injury ... to have them drop my score instead of increasing it after an inquiry falls off is totally ridiculous! I have been trying to purchase a new automobile but have been waiting on Experian to rate my credit fairly. Please assist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: Navient Solutions, LLC.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hi- I am trying to get assistance any way possible. It's life or death for me and my kids. I am only asking for late payments that occurred in between deferments be removed... only because it's listing XXXX accounts separately as 90 days late. My loans are currently closed and consolidated but I am not able to get some extra assistance due to the late in between deferrals. 

I have spoken to customer service, sent letters and I am very desperate for assistance. I was told there are laws in place for it is solely at the lenders discretion. I have XXXX days from today but I have been trying since the pandemic as I was seriously affected by XXXX. Please email me or call please XXXX of XXXX. I am sending my message to everyone in your company- your credit reporting department has not been able to assist in any way. Please Please. 

I NEED HELP.. LIFE OF DEATH FOR MY KIDS AND I STARTED REACHING OUT SINCE LAST YEAR AND NOW I HAVE XXXX DAYS - I ONLY NEED THE LATE PAYMENTS REMOVE FOR XXXX INDIVIDUAL ACCOUNTS IN BETWEEN DEFERMENT.. PLEASE PLEASE Please Please I just need the 90 days late removed for XXXX individual loans. This account is now closed and consolidated - at this time the I was deferred before and after. During this late period, my address was not correct in Navient 's system XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I was referred to you by XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Equifax reporting items that are due to identity theft and per the law need to be removed. The equifax breech has caused years of issues and now XXXX which is ID theft is once again reported. Please remove any information being reported on XXXX accounts immediately. This is against the law and needs to be removed. I have supplied multiple documents to support the breech and claims. I have filed an action with the FTC as well

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: Diaz & Associates, Inc.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
This company named Diaz keeps sending out letters to us stating we owe them for a XXXX account. I've called XXXX  a few times, and we don't owe anything. Now they are calling my family members and harassing me, saying they are trying to serve papers and there is a civil suit against us. It's really nonsense, and the threats are getting to be too much. 

Now they call themselves XXXX XXXX. Their phone number is XXXX and they said our case number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: LD Holdings Group, LLC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I advised the debt collectors that I was exercising my right to arbitration and was told the collection would be put on hold and received an email stating. Per the collector the creditor told them I was not proceeding which was not correct. I never received any correspondence stating the collection was taken off hold and found out about the collection when I received an a credit alert

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: Flagstar Bank, N.A.
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My VA Mortgage is with Flagstar Bank. I experienced financial hardship during covid. I went on a forbearance plan. I was about to resume my mortgage payment XX/XX/XXXX. I spoke with Flagstar 's hardship team to start the process to leave the forbearance plan. They stated that I would have to get a modification to my loan to refinance the unpaid balance that had accumulated during the forbearance plan. In XXXX I received the modification paperwork. I signed it and sent it back in. Found out months later that Flagstar made some type of error on the paperwork and they would have to redo the entire modification process. Fast forward to XX/XX/XXXX the modification process was completed and finalized ; however, I am still unable to make payments via online and have to call in my payment. I have been making my mortgage payments every month since XX/XX/XXXX. This month, XX/XX/XXXX, I received a document from Flagstar that I only paid {$800.00} of my {$1300.00} mortgage yet the paper stated that my required mortgage payment was {$1400.00} even though my finalized modification states my monthly payment is {$1300.00}. I then received call from collections stating that if I don't pay the remaining balance then I my credit will be negatively impacted and I will lose my home. I made my full mortgage payment and provided the collections specialist with my XXXX mortgage payment confirmation number and told her that I can provide my XXXX banking statement to prove that Flagstar withdrew {$1300.00} ( when I called to make a payment early XXXX the hardship employee told me to pay an extra {$10.00} so I did ) on XX/XX/XXXX. She then hung up on me. I called back and another representative hung up on me when I asked for a supervisor. I then called the hardship department and asked for a supervisor. I was on hold for an hour and they said that I would need to call back another time because they are busy. I also submitted a ticket to have a supervisor call me back within 48 hours but no supervisor has tried to contact 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 explanation
Consumer complaint received 2022-11-26
Company: CITIBANK, N.A.
State: CA
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:
I recently opened my credit card account at Citi and received my card a few days ago. I made my first few purchases, and then, without receiving a notice, my credit card stopped processing transactions. I called Citi 's fraud number, and they first asked me for a phone number other than my current phone number ( which is listed on my account ) that they could send a verification code to. I told them my current phone number is my only number, and then they asked me a series of security questions which I answered accurately. They told me that I would have to wait to receive a letter in the mail, which would take up to 10 days. I asked to speak to a manager, and was told that one would call me back within one hour -- I never received a call. 
I have not been able to use my credit card for transactions, and I have waited a long time on hold with the fraud department, but the issue remains unresolved.

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 2022-11-26
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have not received my escrow refund check. Send it 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 2022-06-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
Kohl 's is reporting a 30 day late payment to the credit bureaus. They are in violation of sec 4021 of the Cares Act. A kohl 's employee made a mistake when I attempted a payment. I was affected by XXXX. I received an accommodation, which was a refund for the late fee that I incurred on XX/XX/2022. The date of the refund was XX/XX/2022. According to sec 4021 of the Cares Act I fulfill the requirements of this law mandated credit reporting correction and Kohl 's must report my account as current for the time before and during the accommodation. I have attached documents that support my claim. I will also be seeking compensatory and punitive damages for each day this violation occurs if not rectified with in 7 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-19
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:
XXXX XXXX XXXX  XX/XX/2022 XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/XXXX I do not recognize these hard inquires from my credit report. I am a victim of Identify 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 non-monetary relief
Consumer complaint received 2022-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX  XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, U S Dept of Education 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.

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 2021-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Related to NYS Attorney General File # XXXX attached XXXX XX/XX/XXXX communication stated : our records indicate that on or about XX/XX/XXXX, Mr. XXXX accepted our offer of an exchange for his phone Related to # s XXXX and XXXX, Consumer Financial Protection Bureau communicated : STATUS Company response is in progress as of XX/XX/XXXX. 

XX/XX/XXXX and XX/XX/XXXX follow-up resolving texts were received from XXXX, # XXXX : " Hello Mr. XXXX, This is XXXX with XXXX XXXX XXXX XXXX. We will be reaching out to offer you a refund due to the time it has taken to get a device in stock. What is a good contact # and time for us to go ahead and reach out to get the process started? Background : 4 months past, the initial communication from XXXX was XX/XX/XXXX : Good Morning this is XXXX the supervisor of the XXXX XXXX XXXX XXXXHere is your ticket # : XXXX. 

XXXX XXXX XXXX XXXX XX/XX/XXXX, attached letter advised : still investigating your dispute claim. 

XXXX supervisor XXXX refund offer was accepted, never an exchange as XXXX XX/XX/XXXX mischievously reported to and by NYS Attorney General. The scope, confusing and credit score negative impact of XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, credit bureau reporting is attached ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Credit Bureau Reporting. 

4 transactions are detailed in attached PURCHASE of XXXX XXXX XXXX XXXX XXXX and RETURN of XXXX XXXX  XXXX. The XX/XX/XXXX and XXXX, XXXX refund of the XXXX XXXX XXXX XXXX purchase ( 1 ), XXXX  XXXX return ( 4 ) and 2 other related transactions ( 2 and 3 ), as evidenced in attached, remains awaited. 

Please confirm the transaction order of the XXXX supervisor XXXX refund to be 4, 3, 1 and 2. 

Reply, reflecting XX/XX/XXXX and XX/XX/XXXX promised XXXX refund, from XXXX XXXX XXXX XXXX XX/XX/XXXX letter also remains awaited. 

Confirmation is awaited from XXXX  and TransUnion that they will not be willing maligned participants in the XXXX XXXX XXXX XXXX XXXX mischief as they did to my burdensome XXXX fraud hurt ( XXXX XXXX account # XXXX XXXX XXXX ), re : attached ACTIVITY ON XXXX  AS REPORTED BY XXXX  XX/XX/XXXX to XXXX XXXX. 

XXXX  chose avoidance of the XXXX fraud. Confirmation is awaited from XXXX  that they will not be willing participants in the XXXX XXXX XXXX XXXX XXXX mischief.

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