BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-19
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I logged in to pay my bill in XXXX, while sick with COVID, and apparently I didn't submit the payment all the way through. I am sure Comenity/XX/XX/XXXXcan see that on their end. I was issued a Late fee of {$29.00} & Finance Charge of {$4.00}. 

I went to use my card, it was declined, so I went online, made the payment & called on XXXX to ask for the fee to be removed. XXXX said first time goodwill adjustment was only for {$15.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2021-10-13
Company: AES/PHEAA
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been forced to pay student loans in full even though I never graduated high school and could have never used the degree if i finished. I only completed one term yet had to pay over {$10000.00} to get them off my credit so i can't get a home, a vehicle, etc. I completed numerous applications as they offer to forgive loans for these exact situations, however, they have only led me in circles for over 5 years trying to get it off my credit. Finally it is paid in full. But they should never have gotten that money and it is wrong. they are thieves. but now student loans stay on your credit report for life and ruin your life until paid in full, weather right or wrong. unfortunate as it is, the department of education are straight up blood sucking thieves and after the money not in it to help anyone. so sad what the world is coming to these days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 2019-04-10
Company: Union Home Mortgage Corp
State: AE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have autodraft setup to pay my mortgage. The company stopped by my autodraft because the payment changed by {$7.00}. They sent me several letters regarding the change and missed payment but they were delayed because I am currently working at the XXXX XXXX in XXXX. The mail takes 4-6 weeks to get here - sometimes more and I did not receive the letters. They made no other attempts to contact me. They have now reported that I was 30 days delinquent on my payment in my credit report. This is unacceptable. I have missed no previous payments on any mortgage.

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 2019-04-10
Company: TD BANK US HOLDING COMPANY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I sent my money {$15000.00} to my sister 's account at XXXX XXXX XXXX from my account at TD bank ( branch Number:XXXX ) on XXXX XXXX 2019, but still now she hasn't gotten them yet. According to XXXX XXXX XXXX, they don't even get a data for sending.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XX/XX/XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XX/XX/XXXXon XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
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 enough information to verify debt

Complaint:
Kimball Tirey from what I can find represents landlords. They have illegally opened an account in my name without providing any information for supposed debt. I have tried on numerous occasions to reach out to the company. I have disputed with XXXX with no resolve all other agencies have removed. 

I do not know what I can do to resolve it appears they are a large law firm with a history of complaints and shady practices. 

I am not sure what other steps I can take to have this removed from my XXXX  account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: Receivables Management Corporation
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10
Company: Continental Finance Company, LLC
State: PA
Product: Credit 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:
XXXX credit card put a hold on my account do to return payment from my checking at XXXX XXXX, where I receive direct deposits from my job and receive or make XXXX XXXX payments. They have yet to remove the hold and cant reach cash app. My balance is {$0.00} on my credit card as its paid in full. Its been on hold for attests 30 days from XXXX XXXX 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 2021-01-07
Company: Choice Recovery, Inc.
State: OH
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:
Notice for Proof of Claim Account : XXXX  XXXX  # XXXX, CHOICE RECOVERY INC # XXXX, CHOICE RECOVERY INC # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX To Whom it may Concern : Thisis a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment ofdebts States ( C ) No collection agency shall commence litigation for the collection of anassigned account, bill, or other evidence of indebtedness unless it has taken the assignmentin accordance with all of the following requirements : Credit contracts are non-assignableeven if the contract has a clause for assignability because it violates the contract Law.Where there is no fair valuable consideration given, the contract or agreement is void abinto. The debt is non-transferable. If it is a contract for credit or goes to the character of theparties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment wasmanifested by a written agreement separate from and in addition to any documentintended for the purpose of listing the account, bill, or other evidence of indebtedness withthe collection agency. The written agreement shall state the effective date of the assignmentand the consideration paid or given, if any, for the assignment and shall expressly authorizethe collection agency to refer the assigned account, bill, or other evidence of indebtednessto an attorney admitted to the practice of law in this state for the commencement oflitigation. The written agreement also shall disclose that the collection agency mayconsolidate, for purposes of filing an action, the assigned account, bill, or other evidence ofindebtedness with those of other creditors against an individual debtor or co-debtors.XXXX  XXXX XXXX XXXX XXXX XXXX XXXX : XXXX v. XXXX XXXX 13 Id 646. Once the Creditorwrites off a debt, it can not be assigned or Collected. Since this is an error I demand that yousend me the following proofs. As you are obligated to do in accordance with the Fair DebtCollection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have30 days to supply these proofs, if more time is needed please contact me by certified mailand I will extend you 15 extra days. I also request to see a certified copy of any contract oragreement between you and the original creditor that gave you the right to collect this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-01-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2021-01-07
Company: Receivables Performance Management, LLC
State: TX
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 have been told over and over again that I owe this debt and it has yet to appear anywhere let alone no notice from original company the said owed debt is owed to. I have lists of phone numbers the company calls from.

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 2021-01-19
Company: JPMORGAN CHASE & CO.
State: AZ
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 had a dispute on a charge on my credit card for a service I signed up for but had canceled 7 days after because of lack of communication and the difference between the paperwork and what was offered on the website to name just a couple of the reasons. 
I sent their paperwork to Chase which showed I would not be registered until I got a release from my doctor, they temporarily removed the charge because instead of the company refunding my money they let it stay on my card. The company cut off all communication. 
When I filed a dispute with Chase I gave all the contract paperwork. The company had a deadline to respond, which apparently they did, with a few of the pages ( not all ) from what I sent of the contract. I did not know until after Chase put the charge back on my card that the company had responded. Apparently, they had sent an email to me telling me to look into the docs on my account which had gone into the junk file. There was only this one notification. 
When I called Chase after seeing the charge again, I was told I missed my deadline to respond to what they sent even though Chase already had all the documents that I highlighted where it states, I would not be registered until a medical release was provided. 
Chase then told me to send them any new information I had and it would be reviewed. I immediately re-sent all the pages I had sent before plus an email from the Vice Mayor of the town where they advertised one of the properties that people would be staying at showing it was now vacant and the complaint # with the AZ Attorney General 's office I filed. 
When I called yesterday, I was told that Chase decided to allow the charge because I had missed the deadline, not because they had reviewed the documents I sent. And now in my Chase file, the notice from Chase says, " we will not respond to future correspondence from you about it. '' and they have removed all their correspondence and what they received from the company prior to this decision.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-27
Company: Financial Freedom Group, LLC
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a letter on XX/XX/21 claiming to be collecting a debt from XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX or XXXX XXXX. It is fraud. I do not owe or have accounts with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
This item is inaccurate because the CARES ACT provided protection to consumers who were affected during the COVID-19 Pandemic. The late payment with XXXX XXXX ( Acct # XXXX ) shows on my credit report XXXX XXXX XXXX The CARES Act provided consumers with protection as many of us were on very hard times. We soon after received Forbearance on our Mortgage and didn't receive approval until several months later. I believe this adverse information has been incorrectly added on my credit report. Please reinvestigate this matter and remove the negative payment history from 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 2022-10-12
Company: BARCLAYS BANK DELAWARE
State: WA
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: Card was charged for something you did not purchase with the card

Complaint:
My XXXX XXXX has a fraud transaction and I called them 5 times try to report the fraud. Every time the staff were saying previous staff didn't mark it correctly and they will remark it as fraud. But it's been 5 months and no investigation going on.

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 2023-07-29
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In a previous complaint filed with CFPB # XXXX PHH Mortgage responded they have no recollection of receiving a payment of {$4200.00} from the Bankruptcy Court! I have provided documentation from the court as well as PHH own document showing they received the payment.

This response is not a final response to PHH regarding our previous complaint. Further review of their provided documentation is necessitated as we believe payments made from the suspense account where not correctly documented by them. 
We will also be reaching out to our CPA/Forensic Accountant within this time period to further assess the accuracy of their accounting methods!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
RE : Loan # XXXX. 
XXXX XXXX I submitted a request with Carrington Mortgage Services , LLC ( CMS ) for a refinance on XX/XX/2020. To date I have not received a letter of denial or approval. I made payment for an appraisal. However the company that conducted the appraisal, appraised my house below market value using compatibles of homes 15 years older than mine. The appraisal listed my house as a 3 bedroom when in fact my house is a 4 bedroom. The housing market in my area has increase with the past year. And I had an appraisal done on house within the past year from another company which was valued at {$310000.00}. The company used by the lender valued my house at {$290000.00}. I researched the Appraisal company used. The company XXXX XXXX XXXX XXXX XXXX XXXX, has had a complaint with the XXXX XXXX XXXX within the last 12 months. 

To date I have not received any response of my request for status of application after making several attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
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:
To XXXX  & Experian -- -- - XXXX XXXX XXXX XXXX repeatedly labels all and every request and complaint with Consumer Financial Protection Bureau as duplicate even though they have yet to reply and answer any request or explain themselves. XXXX  XXXX is mocking our government. They are either understaffed or having money problems. I will not stop until I receive an explanation or a valid permissible permission subsequent to the fraudulent loan # XXXX together with copy of the credit report that was pulled. Failure to comply with obligations under the FCRA is a negligent 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