BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
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:
On XX/XX/2020 Portfolio Collection Agency added two ( 2 ) deragatory marks on my credit report per XXXX XXXX. Upon further research this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection and there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say it's mines. According to the FCRA, ( Portfolio ) has violated my rights as a consumer and I'm requesting legal action to remove this account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: Equity Settlement Services, Inc.
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
The issue is with the settlement company not the lender. 

I closed on a loan on XX/XX/21 ( refinance ). The week of closing the settlement company increased the prepaid tax amount to {$7100.00} from {$5900.00} for my first half taxes. This was an arbitray increase of exactly 20 %, presumably to cover any increase in tax liability for that term. That was fine. 

On XX/XX/21 the settlment company made payment to my town for the amount of {$6000.00}. I confirmed with the town there was no overpayment. The settlement company should have returned the excess ( {$1000.00} ) paid. This amount has gone missing, it has not been deposited to escrow, sent to the town or back to me. 

I have contacted the settlement company Equity Settlement Services ( full info below ) multiple times, leaving multiple messages over the course of weeks and have not received any response. 

Equity Settlement Services XXXX XXXX  XXXX XXXX, NY XXXX XXXX ( main ) XXXX ( funding dept ) Regards, XXXX XXXX XXXX XXXX XXXX. 
XXXX, NH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Accounts keep coming back on to my credit report that was included in my bankruptcy case. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, COMMONWEALTH OF VA. I SUMBIT A DISPUTE, XX/XX/2020 TO THE COMPANY 'S AND ALL 3 CREDIT BERUES.

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 2018-02-02
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Recently my family have been faced with unavoidable documented finacial hardships. My Wife "  XXXX XXXX '' and I, informed iloan of our finicial hardship. We ask iloan to work with us and informed iloan of our goal to avoid XXXX XXXX bankruptcy and pay our finacial obligations. In order to avoid chapter XXXX bankruptcy we would need iloan to work out new repayment terms. We were unable to to Pay the Current excessive interest rate on our loan and we were unable to Pay current excessive monthly payment.. 


I also let XXXX  know I felt their lending feel within the guidelines predatory lending ... Do to the following at the time I applied for the loan my credit score was XXXX I am a Veteran in process of being a XXXX Veteran and they applied an excessive interest rate and loan origination fees. 
iloan has also threatened to sue me and refused to work with me. 
I have not recieved a default letter by mail nor e-mail iloan refused to work with us in regards to our documented finacial hardship and telling us we will be sued for if we do not pay on current loan terms. 

iloan is refusing to work out an affordable repayment plan so I can avoid XXXX XXXX XXXX by lowering my interestrate and montly payments. 
I feel taken advantage of by iloan I feel iloan took advantage of a Veteran who had a credit score of XXXX when I was provided an excessive interest rate and loan origination fee 's on my loan and with excessive montly payments on a {$2500.00} loan. 

I will add I was never sent a default letter my email nor by mail, iloan is forcing me into XXXX XXXX bankruptcy by refusing work out a repayment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, I am writing this because of an unethical collection agency, Diversified Consultants. XXXX imputed a collection account on my report due to a stolen cellular phone. I filed a claim directly with the insurance company, XXXX, for replacement of the phone ; but the claim was denied, ( However, we agreed to a payment plan until the account was settled ). Unbeknownst to me, XXXX closed the account and demanded full payment. While reviewing my credit report with XXXX XXXX, I found out XXXX had referred my account to a collection agency, XXXX  XXXX XXXX XXXX for a debt of {$1300.00}, reporting date of XX/XX/XXXX. I immediately launched a dispute, with the agency and it was taken off my credit report. 

On XX/XX/XXXX, while checking my annual credit report with XXXX, XXXX, and XXXX, I saw that a different collection agency, Diversified Consultants XXXX  took over this account, but with a different reporting date. This is false reporting by this collection agency. They re-aged this account, after acquiring it from another collection agency, ( in an attempt to hold on to the account longer ; than the statute of limitations for the state of Florida allows, my legal residence ). This is an illegal activity, which has caused my credit score to decrease and my rights violated! This collection agency has not contacted me or attempted to contact me. This negative posting on my credit report has caused financial hardship on me. I want this debt taken off my credit immediately, or I will seek legal action. This action has denied me from obtaining credit, purchasing a house, and denied jobs due to this illegal credit reporting. 

I have attached documentation to prove my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX was the previous company that serviced my mortgage. In XXXX of 2017 the mortgage was transferred to Nationstar/ Mr. Cooper Mortgage , not sure why. With XXXX I had an optionally life insurance policy through XXXX  XXXX. XXXX had always paid that policy through escrow. I almost lost that policy because Mr. Cooper did not pay the policy premium and after finding out I called Mr. Cooper and the short story of the battle since XX/XX/ 2017 Mr.  Cooper said they only escrow taxes and home owners policies. I have bought two homes and had many different mortgage companies because loans get transferred, bought and sold and Mr. Cooper is the only company that has refused to escrow optional life insurance policies. How can a load be transferred to another loan company that doesn't offer the same services? Can Mr. Cooper be made to escrow this policy?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX sells wrist watches online.It advertises on TV nationwide.XXXX XXXX owns XXXX.Some time in XX/XX/2017 and a few times thereafter, I purchased cheap wrist watches from XXXX for approximately {$200.00} ( XXXX XXXX dollars ) on an installment basis with no interest. I authorized XXXX to draw money from my checking account as the installment payment falls due. After a few weeks I noticed that XXXX was not applying the money it was collecting from my bank account. I called XXXX about it and I even faxed three times copies of my bank statement showing the money it collected.I also sent a certified mail with return receipt to XXXX XXXX with the copies of my said bank statement. They just ignored or disregarded my faxed messages and letter. They kept calling and emailing me. They also referred me to a collection agency who threatened to have judgment against me. Without coordinating their collection, efforts, XXXX and XXXX XXXX kept sending separate bills with late fees, high interest and different amounts without including the amounts collected from my checking account. XXXX XXXX   reported to the three credit bureaus that my account is delinquent. I filed a complaint with BBB and BBB said they have not responded.

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 2021-07-15
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: Account status incorrect

Complaint:
I have an auto loan that has been closed. Ive called and disputed directly with XXXX  and Transunion, but they won't comply or respond to my letters.

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 2021-07-15
Company: Kikoff Inc.
State: MA
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 disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2020, I fell victim to a multilayered scam operation orchestrated by. XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. 
Money was transferred from my account via debit card in the total amount of XXXX USD.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: Experian Information Solutions Inc.
State: NJ
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  Opened XX/XX/XXXX XXXX/XXXX  XXXX  # XXXX Opened XX/XX/XXXX *Fraudulent Account THESE ACCOUNTS DOES NOT BELONG TO ME THIS IS FRAUD

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 2021-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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  Opened XX/XX/XXXX XXXX/XXXX XXXX  # XXXX Opened XX/XX/XXXX *Fraudulent Account THESE ACCOUNTS DOES NOT BELONG TO ME THIS IS FRAUD

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 2021-09-01
Company: JPMORGAN CHASE & CO.
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Prior to the conclusion of my leased XXXX XXXX XXXX, I contacted Chase to obtain the buyout amount to purchase the car following the lease. 

The buyout payment was due on XX/XX/XXXX. I overnighted a check via USPS on XX/XX/XXXX and it was received by Chase on XX/XX/XXXX. 

While Chase deposited my check and Chase acknowledges that they received the check on time, they have yet to mail me the title and other documentation. Instead, I receive letters in the mail stating that my payment was short ( not true ), that my payment is late ( also not true ), and threatening repossession. Chase also referred my account to collections, who reported this on my credit report. 

I call Chase once a week. The representatives acknowledge the mistake and assure me that my title is " in process '' but no progress is ever made and I call back the following week. 

Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 filed for chapter XXXX bankruptcy over 12 years ago, it has been discharged for over 10 years and it is still showing on my credit report and they have not removed 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 2021-07-15
Company: Experian Information Solutions Inc.
State: AZ
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 filed for chapter XXXX bankruptcy over 12 years ago, it has been discharged for over 10 years and it is still showing on my credit report and they have not removed 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 2021-07-15
Company: EQUIFAX, INC.
State: AZ
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 filed for chapter 7 bankruptcy over 12 years ago, it has been discharged for over 10 years and it is still showing on my credit report and they have not removed it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: Bread Financial Holdings, Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I purchased a pair of shoes from XXXX XXXX for {$30.00}. They offered a store credit card from Comenity and I signed up because I thought it would help me increase my credit score. They never sent a bill. I called twice to ask about the amount due and to make payment. I was told I would have to wait until I received my bill. I became very wary of the company and closed the credit card account. This is evidenced by the entry on my credit report of Comenity closing the account on XX/XX/2021. When the bill finally came, I made prompt payment on XX/XX/2021. The check was not processed by the company until XX/XX/2021 and after they charged a late fee and minimum interest charge on the account of {$37.00} on XX/XX/2021. I called to tell them the credit card account was closed and that we payed as soon as we received the delayed delivery of the statement/invoice. They refused to take action or even acknowledge the account was closed. I have spoken with them three times since. The purchase has been fully paid for. They refuse to close the account and continued to charge a late fee and minimum interest fee of {$37.00} per month on the closed account, charging interest on the interest and late fees. The fees have now added up to {$100.00}. Again I called and told them I was going to file a complaint and again they refused to do anything. Their actions in causing the delayed invoice/statement feel intentional and an abuse of fair consumer credit practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-18
Company: DISCOVER BANK
State: IA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
Refund check # XXXX was issued to me on XXXX in the amount of {$720.00} for overpayment of personal loan. I discovered this uncashed check in a folder in early XXXX XXXX on XXXX, I contact Customer Service and requested a re-issue of the check with XXXX XXXX XXXX stated she would look into it and return my call within 10 calendar days. On XXXX, I again contacted Customer Service and talked to XXXX. XXXX stated they had been unable to located the check information and would send a check in the amount of {$100.00} for the inconvenience of not locating any information for check # XXXX. I received this check and cashed it. On XXXX, I called Customer Service and explained the entire story again to XXXX who transferred me to XXXX. I explained my situation again and request re-issuance since the original check is in my possion. I offered to send her a copy of the check in hopes it would assist them in identifing the original amount due in their accounting system. XXXX stated there was nothing they could do to resolve the issue. I requested to speak to the accounting department which she refused. I also requested to speak to a supervisor to which she responded there were no supervisors on duty but she would pass on my concerns. I have not received any contact as of the writing of this complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-26
Company: AMERICAN HONDA FINANCE CORP
State: NJ
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:
AMERICAN HONDA FINANCE reported me late during a pandemic. I was XXXX XXXX with XXXX and had XXXX. I worked very hard to keep up with payments. I had a deferment. I requested a goodwill late update to never late. honda ignored me. I feel that I should receive a goodwill update. I would like late fees deleted I cant afford to pay XXXX I request a goodwill. 
Account # XXXX Product:XXXX XXXX VIN:XXXX  Term:36 Payment Due DateXX/XX/2020 Current Payment Due : {$480.00} Past Due : {$480.00} Total Fees Due : {$110.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-15
Company: Comerica
State: OR
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/XXXX I filed a dispute with direct express for over 100 multiple charges that were made through an online server called XXXX XXXX  on my XXXX XXXX debit card. I sent in documentation that show that I was hospitalized during the extent of these transactions and sent a truth affidavit along with records of my XXXX XXXX  that show it wasnt on my account. I did not receive responses until weeks later after filing a complaint with the XXXX XXXX XXXX. After following up with the supervisor they denied my dispute with out reasoning. When I requested documented proof and reasoning of why my dispute was denied I was hung up on. I called back multiple times and was told that my dispute was denied because I did not report another transaction that had occurred within the same time limit through the same server. Clearly I must not have seen this transaction for a dollar if its even there. I still have not received anything through mail and my emails are going un answered. This is my sons XXXX benefits and they are stealing from Him just like whoever stole from him too. I just need to know if I need a lawyer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-19
Company: BBVA FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
Refer to several complaints against XXXX XXXX XXXX, who acquires CC portfolios, which they can not properly verify the balances. 
XXXX has been reported for non-compliance to the FCRA, and the FDCPA several times, regarding a CC account which they claimed as purchased, and they do not want to delete after never being able to verify, and trying to collect amounts not owed. 
JCS on complaint ending in XXXX, keeps reporting the account with XXXX  balance as a charge-off, where clearly mentions on the experian report they owe. 
Since XXXX, both XXXX  and XXXX have been at fault, due to non-compliance with the FCRA, as CRA and actual borrower. The fact after more than 6 months from the first complaint properly mailed to both, and documented receipt is a breach for more than 5 months to the FCRA, while the timeline is clear and never acted timely according to it. Due to the previous, both XXXX, XXXX and/or BBVA as actual creditor, and original creditor in each case are obligated to remove the account or correct the status ti current at time of closing on XX/XX/2019 with XXXX balance and current. The Continuous non-compliance is clear, after 5 months after they were not able to verify the properly the pretended amount. The FCRA gives the right in this case to the consumer, to claim {$1000.00} per case which I am claiming here in addition to any sanctions to the 3 non compliant parties. I request CFPB to act accordingly.

Company response to consumer: Closed with explanation