BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-14
Company: Resurgent Capital Services L.P.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Pinnacle LLC C/O Resurgent Capital Services placed a debt on my credit report from 2014 just recently. My newest credit report shows them added when last month they were not listed. I never received any notification from this company about this debt. My credit report states the debt is {$1600.00} and this is all I know. I have no other information about this debt other then what the credit bureau states.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with WELLS FARGO DEALER SVC. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and WELLS FARGO DEALER SVC with no successful resolution. XXXX, XXXX and XXXX  are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX and XX/XX/XXXX, and XX/XX/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 2021-09-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
While we were in bankruptcy, our mortgage company " overcharged '' us for escrow amounts for seven months even after they had information which said otherwise. We did not pay and requested we handle our own escrow. The company never responded within the seven months but " recorded '' the non-payment as " delinquent payments ''. At the end of the seven months, the mortgage company reduced the escrow payments down to where they should have been and we begin to pay the correct amount but they never reconciled the " excess escrow '' amount with the recorded " delinquent payments ''. They went before the bankruptcy court asking for a " motion of relief from the automatic stay '' so that they could " foreclose '' on the property. We presented to the court our payments for the period in question and copies of their records which showed the payments being received. This resulted in an agreement to settle the matter outside the court, but the mortgage company never did that. Instead, they transferred servicing to another company who proceeded to threaten foreclosure, record " late payments '' and four months pass due payments. We have spent six years now trying to get the mortgage company and the servicing company to acknowledge what happened and how to move to resolve. 
The result has been we have had to pay thousands of dollars above and beyond the cost for resolving the issue and to this day, the servicing company and mortgage company refuse to finalize a solution which we feel would be fair to us and correct what we feel is the " false '' information being reported to the three credit bureaus. 
The lack of resolution has cost us considerable amounts of money in increased cost for other loans and services in addition to increased mortgage loan costs in continuing in a 5.375 % loan in a market where loans are offered as low as 1.9 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XXXX XXXX several notarized letters were sent out on my behalf to XXXX, XXXX, Transunion for verification of items that were listed on my credit report. I sent these letters with return receipt asking how the items in question were indeed verified. I since have received no written response and It has passed the 45 day limitations which the law states that these items in question must be removed immediately. The items in question are as follows : XXXX XXXX # XXXX 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 explanation
Consumer complaint received 2022-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I noticed a few accounts and inquiries on my report that I do not recognize 2 from XXXX XXXX 12 inquiries from XXXX XXXX which makes no sense at all 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 2022-02-07
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Called and each rep. stated that the old address has been removed that I am not legally able to receive mail.

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 2022-02-07
Company: JPMORGAN CHASE & CO.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
This complaint is in regards to Chase Bank. 

The following 3 wire transfers are ones that I sent from my Chase checking account to XXXX XXXX Chase Checking Acct in DE. I truly believe all 3 are part of a scam. 

1. ) XX/XX/2021 - {$650.00} - Transaction # XXXX # XXXX. The recipient states that she was robbed of the money and her phone upon leaving the bank. Did not file a police report and still did not even after I asked her to. She sd after that she would return the money, but it was always an excuse. And took out a 3 mo salary advance and still couldn't return it. 

2. ) XX/XX/2021 - {$500.00} - Transaction # XXXX # XXXX. Once again recipient states she was robbed of the money and once again, did not file a police report and wouldn't when I asked. 

3. ) XX/XX/2021 - {$700.00} - Transaction # XXXX # XXXX. The recipients bank would not let her receive the wire transfer, locked her acct and DE police brought her in for questioning. Its just sitting in her acct. 

I have been dealing with this issue for 2 months. The Chase Wire Research Dept has a phone number but don't answer it and mgr I spoke to does not know why. The voice message just says to send a secure message. 

I kept getting repeated messages stating still ongoing, no latest update from receiving bank. Also tt your assigned banker, don't have one and haven't in 3 yrs. The lady I have tt in the past has told me she can't tell me anything more than what is on her screen. 

Today they tell me that I should contact Fraud Claims. Thats where I started and why it got to Wire Research Dept.

Also today they tell me that they have tried to recover the money but no response from credit party.

I have asked to tt a mgr/supervisor in Wire Research , request gets ignored. I have asked for a branch mgr and phone # for recipient bank in DE, they say they don't have that info, but they have been messaging somebody. I have also asked for the address so I can call and get info of who to tt, again, request gets ignored.

I truly feel like Chase does not care about their customers.

I have filed a complaint with XXXX  about Chase Bank, the FTC about the fraud/scam issue, now you folks.

I look forward to hearing from you. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: EQUIFAX, INC.
State: NY
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 received a credit alert from equifax that i had a credit alert. when i checked my alert my credit score had dropped aprox XXXX points and my pink credit card was listed as closed by account creditor and was listed under negative accounts. On XXXX XXXX my score was XXXX and today it dropped to XXXX. This is what was taken from my alert page : The following changes were reported for your XXXX/XXXX account : Balance Amount Changed from {$550.00} to {$570.00} Comments on your account changed from Charge, Amount in H/C column is credit limit to Account closed by credit grantor, Charge, Amount in H/C column is credit limit, Closed I just spoke with the bank and I have an available credit on the card and this card is not closed. My other issue with how they reported my XXXX XXXX card was reported to negative account when it was closed by me. not the grantor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX / XXXX / {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$490.00} XXXX / XXXX / {$1300.00} XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ( XXXX ) In general Before the expiration of the XXXXbusiness-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( XXXX ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( XXXX  ) and before the end of the period referred to in paragraph ( 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 2022-02-07
Company: JPMORGAN CHASE & CO.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: ERC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I cancelled service with XXXX due to poor customer service, poor phone coverage, and had a second user whom I did not know on the phone number XXXX which was supposed to be a unique number for me. In short, I received text messages from XXXX for sales pitches that I did not request and specifically requested by text and by mail that XXXX not contact me via text with any sales pitches due to the limited memory of my phone and my need for text messages due to hearing loss. I also received several pornographic pictures though it is not clear where those pictures were sent from as no phone number was attached. I informed XXXX that I would cancel my service if any more text messages were received and if they did not clear up the second user of that same phone number. I did NOT have a contract as my phone was my own and I paid for monthly service. I have now received a dunning notice for ERC claiming I owe {$160.00} for XXXX, and I also received a phone call from someone claiming to be from XXXX on XXXX XXXX at XXXX XXXX from XXXX requesting payment. I NEVER owed {$160.00} and this would be for multiple months after I cancelled service with XXXX. I am really pissed that this substandard company with documented complaints continues to harass me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: FMS Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX, 2016, we XXXX my mother at XXXX XXXX XXXX/XXXX XXXX XXXX in XXXX XXXX, VA. I paid the bill in full. Then 15 months later, I began receiving telephone calls and bills from FMS, Inc. of XXXX, OK. They claimed that I owe XXXX XXXX XXXX {$3400.00}. I have spoken to the XXXX billing office on four occasions ; each time I was assured that my bill is paid in full and that they have no knowledge either of FMS or of how that company would have information about my business transactions with XXXX XXXX XXXX. I also have spoken with representatives of FMS on two occasions to tell them that their claim is erroneous. I received the most recent bill about 10 days after speaking with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: U.S. BANCORP
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: Personal information incorrect

Complaint:
I applied to take over a lease from a private party through the website XXXX of which I am a member. The leasing company was US Bank. They denied my application. I requested in writing why it was denied and the written reply was " Terms/conditions requested not offered ''. What the does that mean ... you ca n't talk to a person. I requested a copy of the report that was used to deny the application. They charged me {$120.00} to apply so I should be entitled to see the basis for the denial. The last communication from them was on XX/X/2017.

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 2018-01-03
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I purchased a XXXX XXXX XXXX with the loan company ally financial in 2014. Not soon after I got XXXX and XXXX XXXX in the XXXX XXXX XXXX as a XXXX XXXX. I lost my job and had no way of paying it back so they repossessed it and sold it again and left me with a bill of {$14000.00}!!! When I bought the car it was only valued at about {$20000.00}!!! I feel they took advantage of a XXXX man that had a family to feed and now are trying to destroy my life so I cant even get a cheap car financed now.

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 2022-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. 
I m disappointed! I dont know how to delete it from my name

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 2022-02-07
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: Personal information incorrect

Complaint:
I submitted a dispute on XX/XX/21 to have the address XXXX XXXX  at XXXX XXXX XXXX XXXX XXXX deleted due to the fact that this is not my address. It was not removed. I then sent Experian a certified letter on XX/XX/21 asking for it to be deleted and I got no response, and it was not deleted. This information needs to be deleted as it is not my address. 

Cert mail tracking : 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 2018-01-04
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX has harassed me by repeatedly emailing me ; XXXX XXXX was the name used in these harassing emails. He emailed almost on a daily basis. Emails were inappropriate and threatening while also suggesting he was " watching '' me. XXXX XXXX has charged me a ridiculous amount in fees. I had a credit card bill from them in the amount of {$700.00} and had paid $ XXXX-XXXX and within the next month my bill turned into {$650.00} dollars which was completely wrong and I refused to pay it so they started emailing me almost daily for over a year threatening to take legal action but their emails were worded so inappropriately it made me feel uncomfortable as if they were hacking into my email box and could see I was reading their emails without responding. They emailed me from in the year XX/XX/XXXX to partially XX/XX/XXXX. Emails were saved due to their threatening nature.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have made two orders to Saks.com one on XX/XX/XXXX and another on XX/XX/XXXX. I received emails stating there was an issue and I would need to reorder the items. When I called customer service for Saks I was told the charges were declined by the card issuer. I called The issuer and was told the charges were pending and had been approved. Customer service confirmed the account was open and in good standing with adequate credit available for the purchase. Neither the bank or Saks could tell me why the transactions were not going through. I would like to know the problem so it can be resolved and I can use the card without associated issues. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. 
I m disappointed! I dont know how to delete it from my name

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 2017-07-13
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: Public record information inaccurate

Complaint:
My credit report is showing bankruptcies they are not verified.

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 2022-02-07
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. 
I m disappointed! I dont know how to delete it from my name

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
My father had the same first, middle, and last name. I am the XXXX ( XXXX ). 

I can not access my credit history as the security questions to verify my identity to all 3 reporting agencies are my father 's information, not mine. I don't know his answers. All my answers result in " none of the above ''. 

I need access to remove his identity from my credit. This is a reoccurring issue that I have to deal with every year.

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 2017-07-26
Company: Ocwen Financial Corporation
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Filed Chapter XXXX XX/XX/XXXX and reaffirmed with Litton ( Now Ocwen ). Made monthly payments from that time until XX/XX/XXXX when my attorney told me to quit paying them due to Ocwen going against the agreement of the reaffirmation. Ocwen held in Contempt of Court several times during this process. Ocwen continues to harass for funds not owed. See attached document showing the Docket Text.

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