BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-06
Company: FISERV INC.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I ordered a XXXX XXXX from XXXX for my daughter. It was guaranteed arrive of XX/XX/XXXX. I got notification on XX/XX/XXXX that it shipped and on XX/XX/XXXX I emailed the company and asked when it was arriving at which time I as asked did I received email on XX/XX/XXXX. On XX/XX/XXXX, I did not get my package, there was no tracking number, there was no way to track it and I thought that was odd, and so did XXXX rep. The seller tried to add another month to shipping and I wanted my money back, it felt like a scam, he emailed me and said he would refund me, XXXX said the same thing, I told them.both I was going to put my bank on notice and I did. 
After Investigation, I got my money back. Now i get I have been getting collections calls, and I got a collections notice in the mail, for the very thing I did not get! I am being harrassed for a package that didnt come, they are trying to steal from 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 2021-09-29
Company: EQUIFAX, INC.
State: TN
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 have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: EQUIFAX, INC.
State: MD
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:
THE XXXX XXXX XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
i have paid this account in full via settle. but it is been reported as charge it appear on my credit report on the XXXX/XXXX/2016 after it has been settle.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: EQUIFAX, 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 about some items on my report. I have not received any response back. I feel like my letters are being ignored. This is very frustrating and this is causing me unnecessary XXXX. I have done my part and followed the law but I have not been awarded the same courtesy from the credit bureaus. I request a response and demand for these items to be immediately removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Hi- On XXXX I opened an account with XXXX XXXX XXXX XXXX which pulled my credit report from Equifax . On that report was a collection from XXXX XXXX which doesn't show up on my reports obtained directly from Equifax dated XXXX or XXXX. This debt/account is beyond the statute of limitations and Equifax has been deceptive in providing reports to me which do not show this account, while at the same time providing lenders/banks this negative information behind my back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: Fay Servicing, LLC
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I 've submitted a request for mortgage modification and current financials to my mortgage company Fay Servicing several times. I have received a property foreclosure sale notice for XX/XX/2017. Faye servicing is currently processing my modification request and they have not postponed the property foreclosure sale. I want to keep my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-07
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed an account with XXXX and the credit agency kept it on my credit. XX/XX/2016 experian sent me an email stating someone used my information to obtain a cell phone and therefore they would remove it off my credit and offer credit monitoring.

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 2015-11-11
Company: PROSPERITY BANCSHARES, INC.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Old name XXXX, new name PROSPERITY BANK ( XXXX, Texas branch ) used its business relationship with XXXX XXXX to abuse its mortgage lender status and increase XXXX XXXX 's flood insurance revenue via by using enabling mortgage origination documents. 
The Prosperity Bank mortgage origination documents are worded to allow the subsequent mortgage purchaser ( XXXX XXXX ) to require additional flood insurance over and above the loan amount even though any money above the loan from that insurance would accrue to the mortgage borrower, not XXXX XXXX. It appears the main purpose of that process to be to increase flood insurance revenue to XXXX XXXX. 
Such a process increases the risk of mortgage default as it increases the monthly mortgage payment cost to the borrower. 
The additional flood insurance was lender-assigned by XXXX XXXX as mortgage gap insurance ( so-called ) from XXXX XXXX subsidiaries which provide flood gap insurance. 
Non-payment of the gap insurance premium which became part of the monthly mortgage payment would be a mortgage default. As my mortgage was being held hostage to the additional XXXX XXXX gap insurance, in effect my choice was either pay the increased mortgage payment or lose the home. 
Prosperity Bank maintains an on-going mortgage origination and mortgage business relationship with XXXX XXXX, and coordinated mortgage documentation as a willing and integral participant to facilitate this process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: FIRST NATIONAL BANK OF OMAHA
State: NE
Product: Credit card
Issue: Other

Complaint:
I am starting to be harassed by phone for XXXX for my American Express credit card. I want this to terminate from happening. Thanks for looking in to this matter. I am sick and tired of this Bank harassing me for payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-29
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have been incarcerated since XXXX XXXX I was released to a rehabilitation center on XXXX XXXX and been here since under servilance and someone has opened several bank accounts in my name and already laundered money thru them I have tried to shut the accounts down but I have limited access to internet as well as the phone. I still have 40 days left and I need this report to go thru I have already filed online with my social security being used for unemployment and I was able to stop that process can you please help me on this matter I dont know what to do the hacker has my ID information as well as my social security card information I would like this matter resolved and pursue charges on the individual or individuals that have done this to me..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-29
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: Public record information inaccurate

Complaint:
I have sent multiple letters to TransUnion trying to get them to prove validation about 2 bankruptcies on my consumer report. TransUnion stated that they have validated my bankruptcies with the courthouse. BUT I have letters from the court houses saying that the court houses do not validate anything with the consumer reporting agencies. I have also sent TransUnion a signed affidavit showing them the consumer laws they they have broken.

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 2019-02-16
Company: Bread Financial Holdings, Inc.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On the morning of XX/XX/XXXX, XXXX XXXX called a relative of mine, stating that I put them as a reference ( when I did not ), who answered the phone and was informed they were looking for me. They specifically stated that they were from XXXX XXXX, associated with XXXX XXXX XXXX, which is a direct violation of the Fair Debt Collections Act ( FDCA ). They can call references, but can not inform them of any accounts I may or may not have. 
Along with that, they contacted another friend of mine and left a whole voicemail, stating they were from XXXX XXXX, and threatening with an attorney. I have a copy of that voicemail, which I have attached. On that same day, they contacted my brother saying they were looking for me and that they were from XXXX XXXX, and a certain debt collectors agency. 
Exposing they are from XXXX, along with associated with XXXX XXXX XXXX is a direct violation of the FDCA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: TRANSWORLD SYSTEMS INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Received from the first attempt to be repaid for the amount in excess to the amount owed. Notice of overpayment received. Referred to XXXX at XXXX XXXX XXXX to leave voicemail requesting my refund. No voicemail no email nor check received for the amount extra taken. 

XXXX in excess my income taxes military pay indicates a different amount owed on the bottom of XX/XX/XXXX. 
XXXX from my military pay on XX/XX/XXXX XXXX refund on notice XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
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:
XXXX XXXX is being reported on my credit report my this account was opened by another person not me I was compromised by the XXXX  breach and I believe this was opened at that time this was not opened by 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 2018-03-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Equifax XXXX XXXX charges my credit card {$120.00} per year. I do not receive alerts or services for this fee. When I contact Equifax, they are not able to pull up my account in order to cancel it or refund the charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have XXXX paid tax liens and a judgment on my Transunion and XXXX that are still showing when XXXX deleted them. I would like them removed from my Transunion and XXXX report as well for consistency in my credit reports.

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 2021-09-29
Company: Chime Financial Inc
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I had received my check of the month for child support of {$1200.00}. I went to check my account like I usually do to make sure the funds were available. When I go to sign onto the app it tells me Yikes! Your account has been Closed if you think this is a mistake please contact member services at XXXX. So Ive contacted them via Email asking them why my account was closed and that I need that money because its for my children. The response I had received back was Unfortunately, for security reasons, Chime is unable to disclose further information about the closure of your account. For full details, please reference section 9 ( Account Suspensions and Closures ) of the Chime Deposit Account Agreement. 

I would like to share with you that any deposit received on a closed account ( in your case after XX/XX/XXXX ) will automatically be returned to the sender, you can go ahead and contact your payor to arrange another form of payment for your funds. 

Ive contacted them multiple times asking when my check would come in and they then told me I'm sorry to hear about the closure of your account. Chime has determined that your account is not in compliance with its internal policies and the member agreement executed at enrollment. 

Unfortunately, we can't send any closure check because you have a negative balance for some disputes denied. 
One more time, I'm terribly sorry for any inconvenience caused. Please reach back and let me know if I can assist you with anything else.

This was a huge mistake because I had saved {$15000.00} in this account and now all of my money is taken and Im being lied to and it has put me in a financial hardship. I didnt know what to do anymore so this is my last resort. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I had a credit limit of {$350.00} with Amazon XXXX ( XXXX XXXX ). I made a payment of {$270.00} on XX/XX/2022 to bring my balance to XXXX. On XX/XX/XXXX and XXXX I made purchases totaling {$130.00}. On XX/XX/XXXX, I received an email from Amazon stating that my credit limit had been decreased to {$150.00}. Shortly after I began receiving alerts from the credit bureaus stating that my credit score had changed, the limit on one of my credit cards has decreased and as a result my credit usage has increased. I called and spoke to an Amazon representative on XX/XX/XXXX who said that she'd try and request an increase and there would be a soft inquiry on my credit. She attempted an increase request of {$1000.00} and I was denied. She offered to dispute the decision for me but I denied as I felt this would not resolve the matter. I am asking that someone take a look into this matter for me as I feel that the decision to decrease my credit limit was unfair. I have always made on-time payments and this decrease is hurting my credit score, one that I have been working hard to fix. I feel that I am being penalized for using my credit shortly after paying it off. Please assist. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I was contacted via XXXX by a person calling themselves XXXX XXXX. The person offered me a writing job. After we both signed the contract, I received a check for {$9300.00} ( from XXXX XXXX  XXXX  ), which I deposited into my business checking account ( Bank of America ). We corresponded via email several times ( email address : XXXX ). Then he told me the job was canceled and I could keep 10 % of the original amount we agreed to ( {$3100.00} ) for my trouble. He then asked me to transfer the rest of the money back as a refund and sent me transfer information. I transferred {$9000.00} to another Bank of America account under the name of XXXX XXXX XXXX. I later noticed that the check was returned. 

I contacted Bank of America on XX/XX/XXXX and they are doing an investigation. On XX/XX/XXXX, I filed a police report with my local precinct ( XXXX XXXX, NC ), filed a report with the Internet Crime Division of the FBI, and the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-04
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Hello my name is XXXX XXXX and I am submitting this complaint without error or influence of any third agency. Please see my attached documentation as it contains my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: JPMORGAN CHASE & CO.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
so I closed my explorer card and tried to move my whole credit limit over to my quest card when I did the transfer my card only had a XXXX balance on it my credit limit was XXXX and chase only moved over XXXX of the limit and not the full XXXX they kept calling it a balance transfer request it was not my account was pretty much paid and they didn't move any balances over they are holding XXXX on my other card for no reason at all it makes no sense if the account is closed with a XXXX why are they keep XXXX of my limit hostage it make no sense at all I am losing out on a XXXX limit with no fault of my own the account is closed and I charge anything on it it make no sense that XXXX is being from me I want XXXX limit moved over to my quest asap and the lady in the cooperate offices I transferred was worthless researched for a whole week and then came back and said there is nothing we cab do what was she doing for a whole this makes no sense and I want my XXXX limit back this corperate lady had no idea what she is doing what so ever

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-29
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/XXXX I called FedLoan servicing and requested a copy of the XXXX  repayment plan letter detailing my monthly payment amount ; the letter was originally sent to me on XX/XX/XXXX. I was told by agent # XXXX that I would receive the copy by 3 business days or by XX/XX/XXXX. On XX/XX/XXXX I did not receive a copy so I called again. This time agent XXXX who did not identify herself with a number told me it takes 5 business days and I would receive it by XX/XX/XXXX. On XX/XX/XXXX I did not receive my copy, so I called again and spoke to agent XXXX who NOW told me the request takes 7-10 business days. I have received different information every time I call. I want a copy of the XXXX  approval letter sent on XX/XX/XXXX sent to me immediately.

Company response to consumer: Closed with non-monetary relief