BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-29
Company: Vital Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been in contact with XXXX XXXX, XXXX, and Vital Solutions Debt Collections, and XXXX XXXX XXXX dealership in XXXX XXXX, CA to resolve an outstanding amount of {$1000.00}. I have had many many phone calls, emails, and correspondence with all three over the last few months and need this issue to be resolved. The following is the information I have collected and noted after various phone calls and group calls with all of these entities. 

XXXX XXXX has taken me to collections for {$1000.00}. XXXX XXXX claims the {$1000.00} is because XXXX noted there was a previous claim taken out on the XXXX XXXX XXXX in which the damages were not repaired. This is incorrect and a letter from XXXX is attached stating so. This needs to be fixed on XXXX end. XXXX XXXX claims that my XXXX XXXX XXXX XXXX has no XXXX. This is also incorrect. Email correspondence that I had with XXXX XXXX from XXXX XXXX XXXX in XXXX XXXX also states this is an error. I also spoke with the manager, and the salesperson who sold me the lease, XXXX XXXX. The two of them along with XXXX XXXX, XXXX, XXXX clearly stated to me, in person, that ALL California Leases with XXXX automatically come with XXXX XXXX. They reassured me over and over that this is the case. They printed my contract, read it with me, and showed me in person that I should not be held liable. They said it doesnt make sense that I am being charged for anything as I held full coverage with XXXX, had paid everything to XXXX in order to close my account with them, and that all XXXX leases in California DO come with XXXX. Again, this is coming from XXXX XXXX XXXX where I leased the XXXX from. I faxed XXXX XXXX and told them to follow up with them on this to resolve it and never heard back. XXXX XXXX has told me on the phone and through correspondence with XXXX that they were in fact underpaid by XXXX, and not by me, therefore, I do not owe the debt being collected by XXXX. XXXX says they paid out XXXX when XXXX requested the amount in XX/XX/XXXX when the car was totaled, and that if XXXX believes that XXXX owes them money, then XXXX is the one who needs to contact XXXX to fix this instead of taking me to collections. XXXX states a deductible was not paid, XXXX says it was paid. XXXX needs to resolve all charges with XXXX, as no claim has ever been taken out on the XXXX XXXX previous to the total loss in XX/XX/XXXX and there were no pre-existing damages to the vehicle. 

I will include personal notes I have taken over time, the email correspondence I had with XXXX XXXX XXXX Finance Director XXXX XXXX, and with the representative, I spoke with at XXXX, XXXX XXXX. The letter from XXXX showing I have no outstanding amounts due at XXXX and that the only claim ever to be taken out on the entire history of the XXXX XXXX XXXX was for the total loss of the vehicle. Previous claims for any pre-existing damages never existed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 non-monetary relief
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Account closed with money in it, also kept contacting bank & other company about money coming out of my account without authorization & after subscriptions were canceled/closed. My credit history has been affected because of that as well. I now only have 1 Bank account with wells fargo, my business banking & savings were closed.

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 2021-07-02
Company: SN SERVICING CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
the lender purshase my loan and cancel the insurance that was escrowed the incrise my payment from XXXX to XXXX XXXX, wene i ask them the reason they said it was for escrow cushing and i compaint that it was to much and she told me it was a normal increase but, she did not told me they added their one insurance for XXXX a month and the old XXXX was XXXX a year, it is a renters insurance the lady that is in charge of my loan is XXXX XXXX and she is the only one that soposible can help with the loan but she is very rude

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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:
XXXX XXXX has been taking {$5.00} a month from my account, for a year. I just realized this as XXXX dollars isn't that much to realize. I contacted XXXX XXXX, they have NO record of me in their system. No email, no name, nothing. XXXXXXXX XXXX told me to dispute the charges with my credit card company. I called capital one and disputed the 12 charges, and 1 pending charge. They temporarily credited my account while it was under investigation. A couple days go by, and they told me they declined my dispute as " activity on the account indicates these transactions are valid. '' How are they valid if XXXX does not have any information for me, how did I authorize these transactions?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: JPMORGAN CHASE & CO.
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I received a call from this local number : XXXX informing me that someone is trying to use my Amazon credit card for a {$900.00} purchase and to press 1 if I did not authorize this. 
I pressed! & was redirected to an operator who had me download this app called " XXXX XXXX ''. They had me read back a 9 digit number to them because they wanted access to my Amazon app on my phone. I hung up when they asked me to hit " Accept ''. I decided to call Amazon customer service myself & they confirm to me that the call was not from them!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: I.C. System, Inc.
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:
They furnished a report without my permission. Which is a violation to pursuant to 15 usc 1681b ( 2 ). They reported transactions from my credit card to a my consumer report which is a violation to 15 usc 1681A ( 2 ) ( b ). They committed fraud and obtained my information illegally. They tried to say I owe something when pursuant to 15 usc 1692g they don't have the permission or power to say I owe anything. Pursuant to 15 usc 1692a they can not invade my privacy and only I can deem what is private 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 explanation
Consumer complaint received 2021-04-30
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: Their investigation did not fix an error on your report

Complaint:
I have asked TRANSUNION numerous times to provide how they validated the alleged debt. I have asked XXXX to provide me the original contract with my wet signature on it and how they verified this alleged debt. 

I as the ORIGINAL CREDITOR DO NOT VAILD THIS DEBT AND I DEMAND THIS IS REMOVED FROM MY CREDIT REPORT. 

TRANSUNION IS VIOLATING MY RIGHTS BY NOT PROVIDING ME THIS INFORMATION. 


THIS IS XXXX XXXX XXXX YOU HAVE MY AUTHORIZATION TO INVESTIGATE CFPB, CAN YOU LOOK INTO THIS? 
I WILL ALSO REACH OUT TO THE FTC AND 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 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have consistently made my payments on schedule and never missed a deadline, so this situation is causing me distress. I'm struggling with the inaccuracy on my account, which is affecting my sleep. I urgently request that you correct the late payment error and update my account 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 non-monetary relief
Consumer complaint received 2021-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 sent the document below advising information on my report was incorrect and it should be deleted. According to the FCRA if the information is incorrect it should be removed off the consumer report. Instead the account was updated to what I pout in the letter. How did you verify the information to updated it. What if I was not telling the truth. They never send me a method of verification and I have asked plenty of times for the XXXX XXXX  account that is on my report. Everything they have been doing to my report is illegal and in violation.

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 2021-03-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I sent a dispute to the bureaus regarding a late payment I don't believe I was completely 30 days late on ; it has been 1 time so it shows that my payment history is exceptional! When the bureaus didn't respond to me in the 30 days they were legally supposed to, I sent another dispute on XX/XX/XXXX. Again, 45 days go by with no response from the bureaus ; it is now XX/XX/XXXX and yet AGAIN nothing from any of the bureaus! I'm well aware there have been delays due to the global pandemic, but having no responses from the bureaus since I started in XX/XX/XXXX ( 5 months of disputing ) is not okay by any means!

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 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 XXXX customer service has been contacted several times regarding this account, I am not an authorized user of this account, I never allowed my information to be used not do I have access to this account. This is fraud I have been treated very bad and even hung up on by customer services over the last few years regarding this account. I have asked for proof that this is my account. I don't know any account information because this account does not belong to me nor do the addresses match. Please remove this account from my records.

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 2021-06-30
Company: M&T BANK CORPORATION
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I received a notice in the mail my escrow was too low, giving me the option to send in a lump sum to keep the escrow payment as it currently was, or another option to raise my escrow payments over the next 12 months to correct the balance. I opted to make the lump sum payment. It's now been 2 months since I made this payment but my escrow payments went up anyways as if I hadn't sent in the extra money. 

The real issue here though is the fact that I can not contact the company to amend my escrow payments. The company does not offer ANY way to contact customer service for an existing mortgage. The phone number given here, https : XXXX/www3.mtb.com/homepage/explore-the-m-and-t-bank-help-center/mandt-bank-phone-numbers-by-department/telephone-directory, XXXX does not offer a way to contact a real person to resolve this, and all other list departments tell me they do not have the ability to forward my call to someone relevant.

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 2023-05-04
Company: Specialized Loan Servicing Holdings LLC
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I received an intent to foreclose from Specialized Loans stating I owe {$46000.00} dollars on a second mortgage originated on XX/XX/XXXX. I modified both loans on XX/XX/XXXX with XXXX XXXX and never with Specialized Loans, and I am current on my mortgage payments since, and I am not delinquent with my Mortgage servicer. I responded with a qualified written request for information on mortgage assignment accounting and an original note. They responded by sending me a payoff quote for {$79000.00}, and that was it. During the qualified written request, they sent a man to my home to tape white letters to my door, which stated to call your mortgage company. This company has not complied with the FDCPA rules and is taking a very aggressive stance toward forcing payment by threatening foreclosure.

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 2019-06-25
Company: CITIBANK, N.A.
State: GA
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:
A merchant charged me {$300.00} three times in an unauthorized manner, eventually providing one credit on its own. On or about XX/XX/XXXX of this year, I opened two disputes for the other two amounts. The credit card company, Citi, provided a credit for one of the remaining disputes and mistakenly closed the other one, leaving a disputed amount of {$300.00}. I've called three times to try to get the last dispute handled properly. First, I was told it was too late, and nothing could be done, even though I provided everything requested on a timely basis. I called and another agent found a dispute specialist who told me to submit the documentation again, which I did that day, XX/XX/XXXX. I called two days later to ask if they had the information, and was told that they got my email, but rejected it because everything was not in PDF format - no one told me it needed to be. So, I converted the images to PDF and sent them again. That was on XX/XX/XXXX. I called today to ask if they have the information and was told no. Eventually, the specialist said that he saw my information uploaded to their system - five days later. I asked when I would see a conditional credit and was told I would have a decision about reopening the dispute within 10 business days - still no idea when I will get the credit. Taking five months to correct Citi 's error handling the dispute is completely unacceptable and is compounded by making me submit the same information repeatedly.

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 2019-08-28
Company: I.C. System, Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received debt collection in the mail from a debt collector for a utility company that we never had an account with. I called the utility company to see if the account was valid and it was not. They said dont even use that debt collection agency. I called the debt collector back and they kept transferring my call and giving me the run around when I told them the account is invalid and that I never had an account with the utility company. According to the debt collection letter they sent me in the mail it will go on my credit report if not resolved within 30 business days. I just want to get this cleared up and to stop these fraudulent people for taking money from myself or anyone else.

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 2021-07-03
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Today on XX/XX/XXXX. I checked my credit report and discovered a {$9700.00} collection account. I haven't owed any debt during Covid-19 so I thought this was mistake. However, I checked my XXXX  report and XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, was on my credit report on behalf of XXXX XXXX XXXX. My my life was threatened and the police was called out to the residence I was residing in, on XX/XX/XXXX to file a report. I conveyed this to the Leasing Agent and I had moved my belongings out of the unit on XX/XX/XXXX and this was witnessed by the agent because there was a video and audio recording of her speaking with me. There were pictures taken of the unit as well. I even signed a new lease at the end of XX/XX/XXXX so there was no way I would still be liable to pay over $ XXXX for a unit that I didn't live in. I understand these are hard times during Covid-19 however, I should not be liable after almost 2 years and 8 months for a debt that is not mine. Why would a creditor allow so much time to past to make me responsible for a debt that is not accurate? I worked at the XX/XX/XXXX in XXXX County as a XX/XX/XXXXand there were no Judgments against me, which is the action to take with Real Estate. Why would the collection agency not send me a notice to collect a debt when my address has remained the same since XX/XX/XXXX to dispute these charges? California residents are protected by the Rosenthal Fair Debt Collection Practices Act ( Cal. Civ. Code 1788 to 1788.33 ), The Rosenthal Act also requires that original creditors and collection agencies and attorneys comply with the federal FDCPA. ( Cal. Civ. Code 1788.17 ). Attorneys are subject to the professional standards set out in California 's Business & Professions Code. ( Cal. Bus. & Prof. Code 6077.5 ( a ) ) .This is the definition of fraud! I want this debt removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
As a federally protected consumer, Im aware thats youve assumed a vital role in assembling and evaluating information pertaining to me. Congress makes it known that I have a RIGHT TO PRIVACY as a federally protected consumer in which youve infringed upon without my lawful consent. Pursuant to 15 USC 1681, It is the purpose of the Fair Credit Reporting Act to insure that you exercise your grave responsibilities with fairness, impartiality in a manner which is FAIR AND EQUITABLE to me as the consumer! Inaccurate reporting impairs the efficiency of the banking system, weighs on my credit worthiness, and damages my character!

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