BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-21
Company: DISCOVER BANK
State: PR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX I requested my credit report and noticed I had a fraudulent account of Discover Credit Card in the amount of {$8200.00} opened on XX/XX/XXXX reported by XXXX and XXXX which is a result of Identity Theft. I also had two addresses from the XXXX, NY that were not mine. I have never lived outside of XXXX XXXX. These addresses are being reported at the same date XXXX. I filed a Police Report for Identity Theft in XX/XX/XXXX and also made an Identity Theft Report with the FTC. I have sent dispute letters to Discover stating this account was opened fraudulently and also wrote letters to XXXX and XXXX. XXXX  has deleted this account from my credit report, but XXXX keeps reporting it. Discover sent me a validation letter and a statement with the purchases charged to this fraudulent account, but they are NOT MINE. This has caused me XXXX, XXXX and countless nights without being able to sleep. My last resource is with the CFPB to resolve this matter and make Discover and XXXX delete the account from my credit report. This has stopped me from being a First Time Home Buyer and being able to resolve this situation product of a clear Identity Theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-22
Company: Capital Markets Cooporative, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed on my new property in XXXX of XXXX. Since that time, my loan has been transferred to a new servicer twice already. In a letter dated XXXX/XXXX/XXXX from XXXX, I was advised that my new servicer would be XXXX XXXX XXXX, effective XXXX/XXXX/XXXX. By the time I received this letter, I had already mailed my XXXX payment to XXXX. When it was time to mail my XXXX payment, I mailed it to the address that XXXX had provided me for XXXX XXXX Servicing since I still had not received any communication from this new servicer. 

My first communication from XXXX XXXX, c/o XXXX Loan Servicing was a mortgage statement dated XXXX/XXXX/XXXX, which also included a Notice of Servicing Transfer letter. This statement showed a total amount due of {$930.00} with a payment due date of XXXX/XXXX/XXXX. Two things : 1 ) My monthly mortgage payment is supposed to be {$460.00} and 2 ) I have not missed any payments, have not sent in less than owed, nor have I been even a day late. I then checked my bank account. My XXXX payment to XXXX XXXX cleared my account on XXXX/XXXX/XXXX, before they even mailed me the statement showing {$930.00}. 

On XXXX/XXXX/XXXX I mailed a Qualified Written Request to XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, CO XXXX ; which was the address they listed for a Qualified Written Request in the Notice of Servicing Transfer letter. I asked them to explain why my statement showed a past due amount of {$470.00}, what the additional {$18.00} charge ( {$470.00} - {$460.00} ) was for, and also requested an itemized statement with the correct outstanding principal, escrow balance, et cetera. 

To this date, I have not received a written acknowledgement of my inquiry. I have, of course, received a statement for my XXXX payment. The payment is now the correct amount, but my escrow balance is wrong. In addition, I am concerned that they tried to charge me some late fee in the middle of a transfer of service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
On XX/XX/2020, I contacted Experian via USPS Certified mail to request a investigation into 5 accounts that were incorrect on my credit report. I never received a response from the company even though they received my dispute on XX/XX/2020 via certified mail tracking receipt. I contacted Experian a second time via USPS Certified mail on XX/XX/2020, to notify them that they failed to comply with my request within the allowable timeframe and to please remove all 5 incorrect accounts. They received this request on XX/XX/2020 via certified mail tracking receipt and they have not honored my request to remove the account they failed to investigate. Instead on XX/XX/2020, report # XXXX, I received dispute results for accounts that were Disputed & received on XX/XX/2020. I did not dispute any accounts on XX/XX/XXXX, I was asking to have the accounts that were NOT investigated from XX/XX/2020 to be removed. This company is breaking the Fair credit Reporting Act law. Please assist.

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 2019-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I needed my credit score for a rental application in XX/XX/2018. I went to XXXX but needed to pay XXXX dollar to receive the actual score from TransUnion. I noticed that this signed you up for a recurring monthly charge but that you could cancel immediately. As soon as I got the score I went to TransUnions website and canceled the credit monitoring service - or so I thought. When I saw a XXXX charge on my card the following month I mistakingly thought it was a bank fee because my bank uses TransUnion and I knew I canceled the credit monitoring service. Recently the charge went up to XXXX and I was looking for information on what the fee was for. This is when I realized I had been being charged monthly for a credit monitoring service that I had attempted to cancel over a year ago. I never received a single email from TransUnion saying I signed up for the service nor did I get a monthly report sent to me, they simply charged a monthly fee as silently as possible. I was able to cancel the service over the phone but they offered no recompense for the {$330.00} they had charged me over the previous months while providing no services or communication even after I had attempted to cancel.

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 2022-02-01
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I sent a letter on XX/XX/22 requesting to be removed as an authorized user from an account. I have yet to receive a response. Also, the authorized user account still remains on our credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The account informations and addresses are not mine. 
XXXX XXXX Account Number XXXX XXXX  XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX   XXXX XXXX  Account Number XXXX OFFICE OF THE ATTY GENER Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX/XXXX  XXXX   Account Number XXXX XXXX/XXXX   XXXX  Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX  XXXX XXXX # XXXX  XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX # XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX  XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX  XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX  XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX  XXXX XXXX # XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX MAIL RETURN XXXX XXXX, TX XXXX POST OFFICE BOX 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 2021-03-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had my account closed by Chase without warning and since the federal policy requires banks to notify their clients of any warning related to a account closure, Chase unfortunately decided to act on bad faith and started the process without notifying me as required by law. I have tried everything, even as far as to visiting a branch and talking with the bank employees, who were overheard saying that they were about to get promoted just for helping a high income individual which definitely spells a violation of the federal law that says banks can not engage in favoritism when engaging in business. The bank has already told me that their decision is final, possibly motivated by a 9 year old report on XXXX I feel this was discrimination since they had no problem with me when I opened it almost a year ago. They started the process of closing my account unfairly and without any good reason on XX/XX/XXXX of this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: BOEING EMPLOYEES CREDIT UNION
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have an auto loan with BECU. I have never been late on the payment but I just found out I have a 30 day late showing up on my credit for XX/XX/2020. I use bill pay to make my payments, and I've attached 2 bank statements to show the payment history for each month since I bought the car. Every month, I transfer the payment of {$320.00} from XXXX XXXX XXXX XXXX to BECU and my payments are processed. The payments are due on the XXXX of each month and I've never been 30 days late. Can you please investigate this for me and advise me of the results? My credit has no blemishes on it other than the BECU late payment, which is erroneous and I am hopeful you can clear it up for me. I am trying to refinance and this is really hurting my loan. BECU account # is XXXX. Please let me know if you need any additional information. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: EQUIFAX, 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 have sent in countless letters to Equifax Information Services, LLC about deleting the XXXX account that is on my report. XXXX  and XXXX have been both served with a Cease and Desist Notice. The account needs to be deleted from my Consumer report. I did not give Equifax permission to furnish any information to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05
Company: Convergent Resources, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On or about XXXX of XXXX I became aware, by them calling me and my family members, that Convergent was saying that I owed them " {$1500.00} '' and I had 10 days to pay or they would forever ruin my credit. As of this date I had never received anything from them in writing and my credit was, is, PERFECT with credit scores averaging in the high 700 's ( which is extremely good ) I immediately sent them a certified letter disputing the debt which they signed for in XXXX of XXXX which was my right and I asked for proof of the debt and for them to stop harassing me and my family members. I was, and am, battling XXXX at the time and the last thing I needed where these tactics when I didn't owe them, or XXXX ( who they said they bought the debt from ), anything. 
In spite of my requests they never responded. 
Over the next 2 years I repeated these request for seven times and they never responded and they put it on my credit file which was wrong in many ways. 
In late XXXX I contacted my US Senator 's Office and they reviewed my paperwork and said " this is wrong ''. 
In XXXX of XXXX I sent them yet another certified letter, the same as previously, and this time they responded by sending me 2 pages. One was an amount, not a bill - not in compliance with the Fair Debt Collection Practices Act. for {$150.00} and the other was a duplicate bill of the {$150.00} but now they crossed it out and put in {$250.00}. 
In XXXX of XXXX I received a letter from my US Senators Office directing me to ( a ) sign the papers enclosed so that they would advocate on my behalf for privacy matters and ( b ) file a formal complaint with you all. 
From XXXX of XXXX through the writing of this complaint, is XX/XX/XXXX, I have had to dedicate my time to my health. 
It is WRONG what they have done to me and a simple " internet search '' shows thousands of others have gone through what I have. 
They never proved the debt. They never proved I owe {$1500.00}. The only thing they sent was a bill for {$150.00}. This is a matter of principle and I do not want to leave this earth with this hanging over my head. 
PLEASE HELP ME and have them remove this from my credit files and issue an apology to me and be kept from ever harassing me again. 
Thank you 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 2018-07-24
Company: Experian Information Solutions Inc.
State: MS
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 am requesting with this written notice that the following inaccurate items be removed from my credit report. The items are not correct and are causing me financial distress because of their derogatory information. The items are as follows : [ XXXX XXXX ] [ XXXX ] [ Charge off/ Failure to Pay ] [ The information on this account is incorrect- I am in the process of trying to purchase a house and I had my credit ran- It has a note that my XXXX account was charged off in XX/XX/XXXX- yet I have been in a credit counseling service since XX/XX/XXXX. I noticed that I missed only one payment and that was in XX/XX/XXXX. I am now concerned that this debt is being paid monthly but is being reported to the credit bureaus as a FP ( Failed to Pay ) but you get paid every month as agreed with the credit counseling program. Please advise how this is a fail to pay, yet you receive the payment monthly? Attached are the statements from XXXX XXXX XXXX and a copy of my report from Experian . ]. 
My contact information is as follows : [ XXXX XXXX XXXX ] DOB : [ XX/XX/XXXX ] SSN : [ XXXX ] [ XXXX XXXX XXXX, XXXX XXXX XXXX, MS 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 2020-09-08
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I sent disputes about incorrect information being reported on my credit report and nothing has been done. I mailed letters to the bureaus XX/XX/20 and XX/XX/20. I know they have a little extra time but I NEVER received my investigation results.

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 2020-09-01
Company: Union Home Mortgage Corp
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Complaint against- Union Home Mortgage Year to date they have collected more real estate tax than the bills I have received from City treasures bill. 

In XXXX they sent a notice stating my escrow account was short. I paid over the amount stated {$900.00}. 
Then I received a notification that my monthly payment had increased because of my escrow account. My payment was automated. So the next payment was not changed. 

They held that payment as a partial payment. I tried to go online to pay but they terminated my sign on. I called and was told I could pay by phone. The person said the payment and late fee had gone through. Later I received a letter saying it didnt go through send a check. 

The XXXX payment was on time and corrected but they took the whole payment stating my escrow account. 

They then sent me a letter saying I was in default because I had made no payment for that month. 

I contacted the treasurers office for my city. They sent me a statement laying out what my tax payments are. 

My original payment with Union Home Mortgage would have paid the whole years taxes. 

To settle up they said I owed over XXXX. I paid {$7200.00}. I still receive delinquent notices. 

I was told on one call that they had to recalculate my escrow every few months. 

As an example : my XX/XX/20 statement is after the 3rd quarter tax payment of {$1200.00} My stated escrow balance is {$2200.00} XXXX XX/XX/20 ). 

Even at the new rate I received from the treasurers office my taxes will be {$5400.00} for the year. On my latest statement from Union Home Mortgage I have paid {$11000.00}. 

I have homeowners insurance with XXXX XXXX that I pay monthly. I have a yearly flood insurance that is paid upfront yearly. It is paid. 

My complaint- they have overcharged me. If there are fees they dont state them. 

They caused my credit to drop. I have over paid them and I would like a check sent to me. Not applied to principal of the loan.

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 2023-01-26
Company: Experian Information Solutions Inc.
State: LA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent 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 2017-12-22
Company: Big Picture Loans, LLC
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 had been receiving approval letters from this company for over a year. I have always thrown them away. This time, I was told my loan would be XXXX. Payments would be XXXX a month for 12 months. In desperation I accepted the loan. They deposited XXXX in my account on XXXX XXXX 2017. I called the Company regarding the different amount, and was told once I paid the XXXX back, that would be the end of the loan. I told them it would be paid by XXXX XXXX 2017. They withdrew XXXX on XXXX XXXX 2017. I  called the Company again, Whole Different Story. They expect me to pay 12 payments of XXXX for a total of XXXX for a XXXX loan. I am XXXX, and I feel I only owe the Company XXXX I could only get one offer from them downloaded. There are Many.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: CMRE Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
CMRE XXXX XXXX XXXX XXXX XXXX XXXX, XXXX VIA XXXX CERTIFIED XXXX RECEIPT # XXXX XXXX : Dispute of alleged balance ; Account # : XXXX XXXX XXXX Dear CMRE : You are reporting and attempting to collect an alleged $ [ 41,675.00 ] balance. Attached you will see through my complaint from the CFPB that you stated this would come off of my credit. You have held up my attempts at obtaining credit for myself and family. Accelerate your means of removing this off of my Credit report. Please be advised that I dispute the legal validity of the alleged balance. Verification of the alleged debt is requested, specifically, a copy of all signed contracts with the original creditor and all legal notices sent on this alleged account. You are attempting to collect a deficiency balance that I am not obligated to pay. Specifically, you have not provided me with the required notices before disposition of collateral and explanation of calculation of deficiency as required under the law. As per the law, cease and desist all collection activity, including all credit reporting. Promptly request deletion of all any credit reporting to credit reporting agencies. Write or email me once to confirm your compliance with my demand within 14 days. This letter is as a complaint to the Consumer Financial Protection Bureau XXXX CFPB XXXX. The CFPB is authorized to investigate this issue and receive any related information. If you fail to comply with this letter, I may turn the matter over to an attorney or sue. 

Sincerely, XXXX XXXX ( P.S. Please see attached copy of my ID and proof that it still on my credit. ) Email : XXXX XXXX : XXXX XXXX cc : Consumer Financial Protection Bureau XXXX XXXX XXXX

Company response to consumer: Closed with explanation