BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-15
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I received a phone call from a male asking me for my date of birth to confirm a debt a I owed. I told him I do not give out personal information like that to a random person I don't know over the phone. He then stated he was from transworld systems collecting for a {$380.00} debt for XXXX XXXX hospital. I relayed to him that I've paid all bills I've ever owed. He said the outstanding invoice did not include an apartment number and an incomplete mailing address for me, which is why I never received the bill. I gave him the correct address to mail me the bill and any correspondence related to what he claimed I owed. As of XX/XX/XXXX, I still have not received anything in the mail. 

Upon obtaining a copy of my credit report, I saw that transworld negatively marked it up multiple times prior to XX/XX/XXXX. I went to their website to try to contact them or call, but the website contains no phone numbers or means of contacting them to request again the information they are trying to bill me for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have disputed the late payments on this XXXX  XXXX account for months. XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2020-05-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Due to the pandemic, many people are using virtual forms of payment to transact business. I was under the impression that I was working with the owner of a home to rent out the home. The person I was in contact with provided an online application form, a lease ( fraudulent ) and wanted to use a bank bill payer application to set up payment for 1st month rent and deposit to initiate an immediate move-in date. Since I was using my " bank '' bill payer, I thought that I would be able to rescind the payment in the event something went wrong. I was unaware that XXXX via Chase Bill payer would not be considered an FDIC insured option since XXXX is not part of my bank 's products. 

Chase has informed me they have no recourse and that filing a claim would not be granted. XXXX only refers me back to my bank for assistance, which is not helpful. I am at a loss of {$1800.00} and am unable to secure a place without these funds. 

People are using the pandemic social distancing and our aversion to potential exposure as a way to commit fraud. Not knowing much about mobile banking, also creates a big problem since we are under the impression that our money in the bank is safely protected when we are transacting business. Had I known I was exposed, I would have not used that option and probably not gotten scammed since I wasn't willing to use any of the other " cash app '' type applications for this very reason. Beware of all things mobile ask your bank first or be left hanging out to dry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Opportunity Financial, LLC
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
15 U.S. Code 1692b- Acquisition of location information, Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. This is a violation of the consumer laws and my rights as a consumer. This act was made by the following companies, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
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: Their investigation did not fix an error on your report

Complaint:
I received the attached from Transunion today. More form letters, passing the buck, and words that dont mean anything. It is simple for those that care. I expect Transunion to live up to their word and follow the requirements of the Reporting Act ( FCRA ), a national consumer credit reporting agencys role in the dispute process is to review the accuracy and completeness of any disputed item This does not mean to shuffle paper, pass the buck, and feel like they have done their job. I received the attached because I made a complaint against XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX allowed a car to be fraudulently purchased in my name. XXXX XXXX did not have permissible permission to access my private information / credit report which then led to a fraudulent and forged loan. XXXX XXXX denies wrongfully denies the forgery but can not deny permissible permission that led to the fraudulent loan. XXXX XXXX refuses to submit the valid permissible permission together with the dated credit report as evidence of permissible permission. It is that simple. XXXX XXXX refuses while Transunion then requests XXXX XXXX to validate the information. So nothing gets done and the FCRA does not prevail. XXXX XXXX is dodging, Transunion is shuffling paper while sitting in a cubicle pushing buttons, and I have been dealing with this for 4 years. The other loan ( Together XXXX XXXX ) for the other car that was purchased fraudulently at the same time has been dropped LONG AGO. They are a more professional and educated company. This complaint is directed towards Transunion. If Transunion sends this complaint to XXXX XXXX to hear their programmed response, I will complain again and again and the FCRA requirements will never prevail. I am asking the person at Transunion that is reading this to request the permissible permission and credit report from XXXX XXXX and then review the accuracy and completeness of any disputed item ( FCRA ). I am copying XXXX XXXX but they will simply delete by labeling duplicate when they have yet to address one request and complaint.

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 2021-01-22
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Hello, I have disputed an account that is being reported on my credit profile with a company by the name of " Fair Collection & Outsourcing. '' several times. I have NEVER had done with business with them or an account with this company. I do not know who they are so I have requested their company to provide me with legal documentation of their rights to collect on this alleged debt. As you see in the letter they are stating that they are not legally required to respond to my requests. I have being trying to rectify this matter for well over three months.

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 2021-12-10
Company: EQUIFAX, INC.
State: GA
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 am a victim of identity theft. XXXX has fraudulent accounts on my credit profile that need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Problem Company : SPECIALIZED LOAN SERVICING Problem : I am paying my monthly loan payment in advance before hte date it is due and instead of crediting my loan payment to my loan as a monthly loan payment the company is crediting my payment as a " principal only '' payment and then when the monthly loan payment due date arrives the company is stating that they never received my monthly loan payment. Then, the company is marking me as not paid and is then charging me a " late fee. ''

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 2017-09-15
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am submitting this report in relation to the recent Equifax hack. 

Equifax has not done their due diligence in ensuring that my personal information was protected, and the fact that information was compromised so readily points to Equifax not in compliance with XXXX, let alone other means of encryption as per financial regulations. 

I am currently unable to pull a credit report from annualcreditreport.com due to pulling a credit report in the last 12 months, and Equifax has largely remained quiet on the issue of so many Americans having their data compromised. I am not able to determine at this time if my credit has been compromised, and if so, how it has been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have tried to put a credit freeze with Equifax multiple times onXX/XX/XXXX and then tried again on XXXX/XXXX/XXXX. I started the process both on the website and on the phone line. Each time I get an error says the system is down. 

I was able to place a credit freeze with the other agencies ( XXXX, XXXX, and XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: Possible Financial Inc
State: OR
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:
Reached out to all creditors about the accounts for over a year have not gotten any resloution ask creditors to send the orignal contract and provide verfication for the last year I still have not gotten any information from the creditors aslo filed disputes with all three credit companies such as XXXX, XXXX, XXXX. All creditors are reporting in accrate information on my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: AMERICAN EXPRESS COMPANY
State: NJ
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:
Hello my amex charge had a zero balance when my card was used and charged illegally. please I need this account removed from a negative status to never late. the credit card company says they would fix the problem but nothing yet. I never had negative credit I'm trying to buy a home with my new wife and a child on the way. I provided my police report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-06
Company: CREDIT ACCEPTANCE CORPORATION
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
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:
I financed a car from XXXX XXXX i recieved the loan through credit acceptance XX/XX/18. I went to register my car and the DMV said my car was a stole car my son was put in handcuffs and we were detained. I happened to have my financing paperwork with me so the officer seen that I didnt steal the car. The officer ran a check on the paperwork that i provided him with and found out that the car lot sold the car I financed to someone out of state. I contacted the dealership about the incident and they returned my down payment .I also contacted the bank to get the money i paid into the car loan they said that they would be sending me a refund check for the amount i paided into the vehical that was on XX/XX/18 now when i call asking about my check the bank reffer me to the car lot and vise versa. I asked if they could put track on the check and i get no help.

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 2023-05-15
Company: Foris DAX, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
After multiple attempts to access my own money I transferred to the platform from my bank and filing complaints about this all I have received from the company is excuses about how their looking into it and will get back with me. Since then {$4200.00} of my money has disappeared from that account and with multiple attempts to leaving messages directly on the company site and email to find out where my money went there is no response as to where my money disappeared to.this is straight criminal theft!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: Lending Club Corp
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Confusing or misleading advertising or marketing

Complaint:
I applied for a cash loan from Lending Club but was unaware that they would make me pay {$610.00} per month with an APR of 22,99 %. I am a senior citizen living off of Social Security and have called The Lending Club numerous times to lower my payments which they did for a few months. Now, they refuse to lower my payments or always refused to lower my APR. I advised them that I thought my APR was much lower according to a postcard received by The Lending Club and if they could lower it. The postcard advertised 7 % but it as never applied to my account. They are NOT FDIC insured. I can not afford to pay them that large amount as I wont be able to put food on the table or keep a roof over my head. The Lending Club allowed me to pay {$200.00} for a few months then about {$300.00} for 2 months which was already too much, plus they kept charging me the 22.99 % APR. Now, they wont give me a break at all. They also refuse to allow me to make one time payments online because one is required to put payments on auto-pay or mail in a check. They are money hungry, have no empathy and are making millions off of poor customers. I believe that you need to investigate The Lending Club. Please advise what you need from me and if you could respond I would greatly appreciate it. Thank you. XXXX XXXX. XXXX, KS

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
As per previous filed complaint XXXX they are reporting delinquency in past and adding comments again even though they said they would not any more. I have made all agreed payments and am now only owing this months payment yet. Again I have paid all payments as agreed and they are reporting incorrectly again ...

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 2020-04-06
Company: EQUIFAX, INC.
State: GA
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 that on my Equilfax credit report I only have XXXX open account, however my credit score doesn't reflect what is accurate, also I have hard inquiries on my Equilfax and XXXX  credit reports that I do not recognize. I would appreciate if this service correct their inaccurate information, also I do not understand why XXXX XXXX states I owe them a debt that they can't validate under oath, the original creditor closed the account ad it's paid off. XXXX XXXX never loaned me any money and I do not have a contract with them. Per HJR 192 and the corona virus pandemic I ask that this incorrect information is cleared up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
On XX/XX/XXXX I received an email from Wells Fargo indicating that my contact information had been updated on my account. I contacted Wells Fargo and informed them that I had not made the update. Wells Fargo closed my account and proceeded to mail new credit cards to me. I logged into my online account, I created a new username and a new 32 character password. I then changed the erroneous information back to the correct information. 

On XX/XX/XXXX I receive another email from Wells Fargo indicating that my contact information had been updated. Again, I contacted Wells Fargo about this unauthorized change. The customer service department transferred me to the online department, the online department transferred me to the fraud department, the fraud department transferred me to the phone bank department, the phone bank department transferred me to an escalation department which turned out to be a customer service rep for checking and savings and could not do anything for me except transfer me back to customer service for credit cards. The phone call on XX/XX/XXXX lasted 51 minutes as I had to explain the whole issue to each new person I was transferred to. 

I would like Wells Fargo to explain to me who/why is my account being updated without authorization. Is it truly a hack of my 15 character username/32 character password just 48 hours after they were created where the only change made to my account is a phone number? Or is it a change being made by a Wells Fargo employee/system, and why is it being made?

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 2018-04-06
Company: U.S. BANCORP
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Home located at XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX was up for sale working with realtor and batter on thermostat went dead and caused frozen pipes and major water damage. Could not live in home, and Husband and I did all the water mitigation and had XXXX XXXX XXXX XXXX Adjustor ( XXXX ) come out and survey water mitigation that was done. XXXX approved everything look. XXXX and I submitted a bill to XXXX XXXX and US Bank. US bank is the mortgage lender. XXXX XXXX submitted two checks to XXXX XXXX, XXXX XXXX and US Bank for XXXX ( XX/XX/XXXX ) ( payment for water mitigation per estimate from Service Master ). We did not use service master we did the work ourselves as we were there. Then another check for XXXX ( XX/XX/XXXX) was sent to me XXXX XXXX ( XXXX XXXX ), we tried to cash check for water mitigation to get paid for our work and US bank told us no, they would pay us after all work is done and if there is anything extra left. US refused to cash and it stopped us from moving forward on repairs to get back on market. Whole inside of home was remodeled and painted. Our realtor at the time was XXXX XXXX ( XXXX ) XXXX XXXX XXXX. We are trying to get paid for our water mitigation as US has sold the mortgage to a company. XXXX XXXX stated will reissue me new checks but need to be made out the same and US Bank will not cash and pay us. XXXX XXXX ( XXXX ). US Bank Lost Claims fax  number XXXX Tracking number XXXX Property loss Department XXXX and spoke with XXXX. My name is XXXX XXXX current address is XXXX XXXX XXXX, XXXX XXXX, MN XXXX and current cell phone is XXXX. 
We are currently requesting XXXX XXXX to issue the amount due to us for water mitigation and to release check in our name XXXX and 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 2020-05-27
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Problem Company : SPECIALIZED LOAN SERVICING. Problem : I am paying my monthly loan payment in advance before the date it is due and instead of crediting my loan payment to my loan as a monthly loan payment the company is crediting my payment as a " principal only '' payment and then when the monthly loan payment due date arrives the company is stating that they never received my monthly loan payment. Then, the company is marking me as not paid and is then charging me a " late fee. ''

Company response to consumer: Closed with explanation