BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-17
Company: Aldous & Associates, PLLC
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:
Aldous and Associates is a terrible collection agency. Told the company I wanted this account removed from my report post payment in full for balance on XX/XX/XXXX for {$160.00}. Collector reported bad information back to XXXX XX/XX/XXXX with the account showing " open '' when it is closed, Collector re-reported the collection balance as " {$160.00} '' when it is " {$0.00} ''. Collector does not follow good practices and has no urgency to fix the problem even after explaining this big error on their behalf took another tool on my credit report. Terrible service and company! Have disputed with the Credit Bureau twice with no resolution. Being the account was a collections account this took another hit on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
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:
For about a year now, A debt that does not belong to me has been rebaught by XXXX XXXX. And it's affecting my credit worth. I disputed it before and it was removed from my credit report long ago. Now experian still has it on my report. XXXX XXXX started reporting this debt as of XX/XX/2021. Stating that I owe {$4300.00}. This was being reported in all 3 bureaus. XXXX and XXXX has updated my report except experian that keeps reporting this false debt

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 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
When I reinvestigated my new updated credit report, I realized that the same account was erroneous. The 3 credit bureaus are required to revalidate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$440.00}

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 2022-09-11
Company: Experian Information Solutions Inc.
State: NJ
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 ( FCRA ) -- > XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated my consumer rights . 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2022-05-17
Company: Experian Information Solutions Inc.
State: AZ
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  Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX # XXXX, XXXX XXXX Account # XXXX and XXXX XXXX  Account # 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 explanation
Consumer complaint received 2018-08-03
Company: Financial Credit Service, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX my wife received a phone call ( on her personal cell phone-my name isn't on it ) from ARA regarding a XXXX credit card from the XX/XX/XXXX 's they are claiming I am responsible for paying. They told my wife that because the interest was still accruing the card was still active, even though I had made no payments in well over the 4 years covered by the statue of limitations. They threatened to jeopardize our cars and her credit cards just because I am a authorized user. They also claimed they were about to file with the XXXX XXXX courts. 
I sent this company a request for validation letter in XX/XX/XXXX, and no response was received. This company tries to collect every time we move. They told my wife that because now we have plenty of money we should pay this. 
They also told my wife she should not be angry because they called her, because " you married the man ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: FIRST NATIONAL BANK OF OMAHA
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity was stolen, and a account with FNB Omaha was opened without my knowledge.

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 2023-07-02
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit 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 XXXX XXXX I made an online order with Macys.com for the amount of $ XXXXthe online order was, ( XXXX ) .I never received the order, however Macys inform me I have to pay for an item I didn't receive.I 've tried on several attempts to get this matter solved, however I'm constantly talking to people that aren't from America.This is affecting my cfrerdit score as well.I 've been a Macys customer for over twenty years and a credit card online shopper for over twenty years as well.I refused to pay for items I don't have.I 'm extremely disappointed in Macys customer service and Macys online department.I would like this off of my bill.

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 2022-05-17
Company: U.S. BANCORP
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: Problem with personal statement of dispute

Complaint:
I sold a property with a mortgage attached to it. I made on-time payments for 3 years for the $ XXXX loan. I was told by the escrow agent that we would be closing before the next payment would be due. The escrow closed 8 days late. The loan was paid in full ( XXXX  ) XX/XX/XXXX though this was 8 days post the 30 day grace period though this was not due to being " delinquent '' rather due to miscommunication between the escrow, bank and loan agents. I was told that paying any payments would throw off the closing documents that were already executed. 

I spoke with US Bank, and the mortgage customer service agent was very sympathetic and thought it was reasonable to remove the delinquency notice from my credit. She requested it be removed on XX/XX/12, and US Bank senior investigators replied " no. '' I think this is entirely unfair. I was not " delinquent '' rather trying to follow directions during the closing escrow of a sale. Please help. I've attached escrow closing documents and the US Bank denial letter.

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 2020-07-30
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Citibank has left me completely speechless. About a month ago I noticed a charge on my account that I never purchased. I went ahead and contacted citi which they later credited my account for the amount. The merchant has provided them with false proof that I purchased whatever they were selling and citi closed the dispute. How do you close a dispute without hearing from me next? Seems like they took the side of the fraudulent website. I did my own research and found out this website XXXX has history of scamming people. Its unfair that these kind of people get away with scamming people. Unlike chase bank, citi makes you feel helpless. They do not offer great support for clients and now I just feel robbed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-13
Company: T.S. Holdings
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Never contacted by apartment regarding any debt, even though they had my contact info for cell phone and mailing address. Debt collector sent mail notifying me of debt to mailing address of a friend, not to my own residence. Debt in question is exorbitant, only existing damage to the unit was carpet replacement which was covered by my deposit. Timeline for the debt being viable is in question, as I haven't lived in that apartment in over 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX failed to Promplty report an issue with my Auto Loan account, No one within the branch location could provide reasoning as to why my payment increased {$75.00} a month, This difference in payment amount has been in dispute since XX/XX/2022. Reasoning has finally been revealed on XX/XX/2022 only after a late payment has been reported XX/XX/2022 which violates 12 CFR 1026.13, I have been told by a XXXX XXXX Representative to " Pay the balance and we'll deal any disputed amount later '' on XX/XX/2022. 

XXXX XXXX has then attempted to solidify their case by sending notices via email on XX/XX/2022, which has never been sent to the correct address on file. Please review the attached documentation to better prove my case.

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 2023-05-18
Company: Boomerang Capital Partners, LLC
State: AZ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Dear Court and whomever this may concern, I am writing to file a complaint seeking an injunction to stop the sale of my house and auction. I am the owner of XXXX XXXX  XXXX XXXX XXXX, and I am writing this letter as a formal complaint. 

My mother is elderly and sick, and I am her caretaker. We have lived in our home a nice amount of time and we have always lived together, and she suffers from XXXX. In here mind right now, it is the only home my mother has ever known. We had been making payments on the mortgage, but recently we were informed that the finance company did not receive the payments. We were told that the payments were lost in a wire transfer, and we have since been trying to rectify the situation. 

We have been informed that there is a sale going under the underwriting process, and we are currently waiting on funds in the close of the sale. We believe that the sale of our home and the auction should be stopped until this matter can be resolved. 

I am seeking an injunction to stop the sale of my house and auction, as my mother is elderly and sick and we have nowhere else to go. We have made every effort to pay our mortgage and have been working to resolve the issue with the missed payments. We believe that the sale of our home and auction would cause irreparable harm to my mother 's health and well-being. 

I respectfully request that you consider our situation and grant the injunction to stop the sale of my house and auction until this matter can be resolved. Thank you for your time and consideration. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Experian Information Solutions Inc.
State: IL
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  # XXXX in accordance with the Fair Credit Reporting act XXXX  Account # 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 explanation
Consumer complaint received 2021-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX CONTINUES to bully us regarding our vehicle loan. Today, XX/XX/21, I received an alert that the status of 2 payments from MONTHS ago have changed AGAIN. They were delinquent, then current, and then changed to delinquent AGAIN. They CONSTANTLY do this. They are CONSTANTLY intimidating us. They are CONSTANTLY bullying us. Its almost XXXX. We have been trying relentlessly to transfer our loan elsewhere due to their constant unprofessionalism and disrespect. They know theyre damaging our credit by changing payment histories for the SAME 2 MONTHS over and over. We are tired of it!

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 2019-06-18
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Please review the attached documents. I sent a letter along with an enclosed check for {$110.00} dollars. In the letter I stated the following : Enclosed is a check for {$110.00} for the above mentioned account XXXX. 

Upon cashing this check you agree to the terms of this letter ( hereinafter contract ), the terms are as follows : 1 ). Account shall be settled as paid in full.

2 ). You agree to remove any and all derogatory reporting from all credit bureaus including Experian, Equifax & Trans Union and any others your currently reporting to.

3 ). All collection attempts & activities shall cease.

4 ). You agree not to sell or transfer this alleged account to another collection agency or debt collector.

5 ). If you dishonor this contract or violate its terms you agree to compensate me in the amount deemed reasonable by the court and that this agreement is a Cognitive Contract and you agree to Summary Judgment against you.

I sent the letter certified and asked for return signature. They cashed the check but failed to comply with the terms of cashing the check. I also wrote the same information in the Check Memo section.

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 2023-09-12
Company: EdFinancial Services
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Edfinancial Services has not updated my student loans account to include my " SAVE '' program information and is demanding payment even though my payment should be set to 0. I have attempted to contact them on multiple occasions however the customer service makes it incredibly challenging to get through to a real person. Additionally payments are set to renew soon and the fact that their incompetence comes so close to the deadline is worrisome for the hundreds of thousands of borrows relying on the programs benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Mcburberod Financial, Inc. d/b/a SeedFi
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a XXXXXXXX XXXX XXXX XXXX XXXX loan through Seedfi in XX/XX/2022. I was paying this loan as scheduled and had every intention to pay it off and complete the contract. However, Seedfi transferred my account to a company under moniker XXXX in XX/XX/2022. When the account got transferred over from Seedfi to XXXX, Seedfi did not sens over the proper/updated documentation for my loan. So, all the payments i had made to Seedfi were not being recognized by XXXX. To further that, XXXX is claiming i had owed them {$4000.00} which made no sense! I immediately reached out to Seedfi for assistance but they refused to assist me and redirected me back to XXXX who refused to accept any supporting documents i had to prove that their information was wrong. Initially, when XXXX took over the account, they had no online platform. They had issued an email to a link that was broken and did not work. To further that, they were sending me e-letters also through email regarding my account that i could not access due to it requiring a passcode which they never provided even when asked. They proceeded to harrass me with calls and continued to give me the run around from XX/XX/2022 and this account became neglected due to all that. I just found out today that this account was sold as a debt to another company and i am completely and utterly frustrated to say the least!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: JPMORGAN CHASE & CO.
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
i have been dealing with Chase modification department for over 5 years. Have been assigned numerous Customer Assistance Specialists and also various supervisors to help resolve issues that have needed assistance. All documentation required had been sent to them over these 5 yrs with no resolution. This has continued with no resolution after 5 long years of frustration. I can not begin to count how many times we have completed all these loan packets that have been sent. Over these last years we have supplied every document chase requested. We keep all this documentation back up. Every time they assign us a new assistant we go thru this same process with no resolve. Please help us get this finally resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
REOPENING CLAIM XXXX I have received NOTHING IN WRITING from Pennymac despite promise to mail escrow documents and statement plus summary of the claim. The only information I have received is the attachment to the claim on the Consumer Finance website under my claim.

Pennymac is NOT doing what they promised. I have NEVER signed up for electronic documents. They keep sending me SPAM asking me to sign up for it, and I keep deleting without doing so.

What are my next steps? Do I have to refinance to get away from Pennymac 's failure to send me documentation as required by law?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 # XXXX in accordance with the Fair Credit Reporting act XXXX Account # 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 2018-08-03
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I've been off from work with and work injury to my arm since XX/XX/2018. 
I've requested a mortgage modification because I'm unable to work. 
I don't want to loose my home. Also documents from my mortgage company show XXXX XXXX name. We are divorced and she signed a Quit claim deed to be removed from the deed. XXXX XXXX is still reflecting her on the deed. She was never on the note and the loan was acquired in my name. Also I received notice of service transfer from Regions stating the new servicer and the new servicer would not be recorded. Please record the deed and record all papers pertaining to my 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 non-monetary relief