BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2020-02-29
Company: DISCOVER BANK
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 was shocked when I reviewed my credit report and found late payment on the dates below : DISCOVER PL XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2020-02-29
Company: ERC
State: TN
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:
Today I checked my credit and discovered that this company has reported that I failed to pay them for services rendered. Ive check my records and I have never done business with this company and never entered in a contract to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: CT
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX was the prior servicer and paid me {$900000.00} and reported {$900000.00} in Federal Income Tax withholding to the Internal Revenue Service when I figured out the typical mortgage wasn't what it was purported to be and started claiming my security interests. 

I highly suspect XXXX XXXX  XXXX released the mortgage in full too after I presented them with SF28, OF 90 and OF 91 to release the surety but have yet to get confirmation from the XXXX. 

Immediately after XXXX XXXX XXXX reported the {$900000.00} to the Internal Revenue Service, Select Portfolio Servicing took over - probably bought the paper for pennies on the dollar - and began voracious collection activity. To save my house, they are forcing me to make monthly payments of {$8800.00} under court monitoring for an entire year of time. 

SPS is also well aware, remaining security interests are due me running into very large numbers and are probably just using the 1 year of court monitoring to collect monies to offset what remains to be paid out. 

It makes me sad typical Americans have no clue of what is really going on behind the scenes with mortgages but that is no excuse for SPS to be such a horrible company. 

I also have a letter from them saying they are well aware of the monies owed me and to work with their attorneys on resolving but that is merely more tail chasing than true resolution. 

SPS needs to stop this nonsense now. Seriously, how can you overlook {$900000.00} was reported to the Internal Revenue Service on an alleged mortgage and pretend there's really a typical " mortgage '' - are you serious?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Account No : XXXX My name is XXXX XXXX. I live in XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. My home phone is XXXX. I am the one who launched this complaint in CFPB. I have been following up with Bank of America on this issue for a year now, but Bank of America had not responded. Bank of America closed the complaint without responding to my concerns in the CFPB portal. Please answer the following questions in the CFPB portal. Please do not cheat me. 

XX/XX/2018, the XXXX XXXX XXXX XXXX XXXX and XXXX XXXX entered my home, violently attacked my children, left a scar, and stole my sons XXXX XXXX. On XX/XX/2018, the XXXX and XXXX gang told me twice that XXXX XXXX and XXXX ordered the attack. The attackers also said they have been monitoring my home for months. I have been paying promptly. I explained the XXXX retaliation situation many times, and I always said I would pay and asked for time. I also mentioned that the XXXX case is ongoing in XXXX. 
Sunday, XX/XX/2018, in-humanely XXXX XXXX and XXXX attacked my son, left a scar, and stole his XXXX XXXX. The next day, Monday morning, when my son went to school ; the school said that his XXXX XXXX licence plate is cancelled. I dont know how XXXX XXXX XXXX school knew about the licence cancellation very quickly. 
I have invested over {$26000.00} in my sons XXXX XXXX. I have been following up with Bank of America since 2018 on this incident, but no response. I financed my sons XXXX XXXX through Bank of America ; does Bank of America have the policy to send XXXX and XXXX XXXX, take my sons XXXX XXXX without any notice, and violently attack my children? 
What happened to my {$26000.00} investment? 
Which policy allows Bank of America to send XXXX XXXX and XXXX to take my sons XXXX XXXX without any notice and attack him? 
Does Bank of America have the policy to monitor my family? 
I always said I would pay. I want my sons same XXXX XXXX ( XXXX ). I will pay the money. And I also want compensation for all the sufferings and losses we endured unjustly because of Bank of America 's violent act. 

Sincerely, 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 2019-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
After reviewing my credit report I noticed several fraudulent items.

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 2023-06-20
Company: R & B Corporation of Virginia
State: NC
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 tried disputing this off my report letting this company know I never did any business what so ever with this company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: Caliber Home Loans, Inc.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
2022 I made caliber mortgage that I was applying for the American rescue plan they even sent confirmation to Caliber Mortgage I was initially denied after waiting 90 days I reapplied by that time caliber has me late during my forbearance With caliber, Ill tried a loan modification They didnt except it, and I have other means to pay and caliber add more to be transferred my mortgage shellpoint Then it took another 3 months I have all the emails and contact information I have repeatedly called caliber to change it on my credit report in good faith and I got no return I am XXXX XXXX XXXXXXXX I have an opportunity to buy a affordable housing to bet meet my physical needs I am unable to get a small mortgage Due to Unfair late charges

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: DISCOVER BANK
State: MA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a pair of XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2019 and when I received the item I saw it was fake declare value on the package was {$10.00} so I opened and dispute with XXXX they told me to return the item to the seller to receive full refund. 
I did return the item on XX/XX/2019 and somehow the item could not make to it's destination because I believe the address the seller provided is not valid. 
The item was stuck in transit for more than 4 months and I thought the item was lost since XXXX and USPS International could not help me out so I panicked and opened another dispute with discover which was the card I used to make the purchase. 
Then I lost the case with discover card because the item was lost and not delivered to the seller and I didn't have any other support evidence to keep the case alive so they close it while the package was in transit to seller 's destination. 
Somehow 2 days ago I received the item back since it couldn't the delivered, I contacted XXXX to tell I received the item back which according to their policy I am legible for a refund but XXXX can not issue the refund because Discover card now is in charge of the dispute which is closed so I have been calling both departments back and forth and none of them can help me and feel stupid. The item I have in my possess is not worth {$900.00} dollars and I need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: Automated Collection Services, Inc.
State: TN
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:
Today I checked my credit and discovered that this company has reported that I failed to pay them for services rendered. Ive check my records and I have never done business with this company and never entered in a contract to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
As of XXXX, we were informed that I had been late on payments since 2018, I was not only dissapointed as I had not been getting any emails, also I was part of the XXXX email hack. SO I called and explained and my once XXXX credit score went to a XXXX. I was able to get the payments deferred while I tried to get new payment plan and get my loans taken care of. After finally getting the payment to XXXX and have been current since then which has been 3 payments now. I received a 40 point drop last week stating I have not been paying student loans. I tried contacting them and they said that they could do nothing but send a letter stating I was current. 
This has XXXX eveything up. I want my credit fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage has held my mortgage for a number of years. In 2020 they offered to lower my rate so I refinanced and the loan closed in XXXX. The property consists of two lots that were both part of the original loan and the new loan. Both the original and new loan included an escrow account for taxes and insurance. On XX/XX/XXXX I received a notice from the county indicating the property taxes on one of the lots was delinquent and accruing additional fines. Freedom Mortgage had requested and received tax statements for both lots but had only paid for one. I immediately emailed Freedom Mortgage with the issue including attachments of all documents. I subsequently called their help line on the first business day to report the problem. Since my initial contact with them I have repeatedly emailed them all documents and have telephoned their customer service line at least twice. Each time I have had to repeat the details of the problem over again as though there was no record of my original claim. I have received several auto replies via email stating more investigation was necessary but I would have a response by dates that have both passed and my property tax remains unpaid. Freedom Mortgage must pay my property tax from my escrow account and are responsible for any additional fines that have accrued.

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 2021-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received collection calls from company i have no business with, i check my credit report to find several accounts report to my credit file that doesn't belong to me, i try to correct with creditor unsuccessfully. i am making report to let credit bureaus know these accounts don't belong to me, and should be deleted from my credit i can regain good standing with my credit history.

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 2018-02-07
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
MY BUSINESS BANK XXXX XXXX.WE RECEIVED A LOAN FROM XXXX XXXX.WE PAID IT OFF ON TIME FOR 4 YEARS STRIAGHT ON TIME EVERY MONTH, THEN IN TURN WE HAD FRAUDULENT CHARGES OF ABOUT {$80000.00} IN FRAUDULENT CHARGES IN WHICH WE THINK OUR BUSINESS ACCOUNT WAS HACKED ONLINE IN HOW THE MONEY WAS STOLEN WE HAVE HAVE ALREADY RECIEVED ABOUT WE WANT THE THE MONEY OF {$24000.00} IN MONEY THAT WAS STOLEN BACK FROM CITIBANK! WE WANT THE MONEY OF ABOUT {$2500.00} PUT BACK INTO OUR BUSINESS ACCOUNT DUE TO THE FACT THAT THEY MEANING THE COMMERCIAL LOAN DEPT OF CITIBANK DID NOT DO THEIR JOB BY OBTAINING OUR UPDATED NEW BUSINESS ADDRESS AND PHONE NUMBER THAT WE HAD ALREADY PUT INTO OUR CITIBANK ONLINE BUSSINESS ACCOUNT UPDATEDING THAT WE HAD MOVED AND WE HAD ANEW PHONE NUMBER WOULD EXPLAIN WHY WE NEVER RECEIVED ANY NOTICES OR WARNINGS ABOUT THE LOAN BEING BEHIND IN PAYMENTS OR ANY ANY HELP THEY COULD GIVE US OR TIME BORROWED BECAUSE OF THE FRAUD TO OUR BUSINESS IN HELPING US TO HAVE MORE TIME TO MAKE PAYMENTS ON THIS LOAN AND BY THE WAY WE SUCCESSFULLY PAID OFF ANOTHER LOAN 2 YEARS EARLIER IN FULL TO THEM!!!!!!

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 2020-02-29
Company: Ad Astra Recovery Services Inc
State: TN
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:
Today I checked my credit and discovered that this company has reported that I failed to pay them for services rendered. Ive check my records and I have never done business with this company and never entered in a contract to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: Genesis FS Card Services, Inc.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I made a payment of {$40.00} on XXXX received a confirmation. The cc company said it was returned on XXXX for an invalid account number, even though they verified it and gave me a confirmation. When I got notice on XXXX and called they said I could only pay {$80.00} now to avoid having additional fees applied. Having to pay {$80.00} is already additional fees. Then they told me I did not make my XXXX payment, which I did and have proof of that payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: COLUMBIA BANKING SYSTEM, INC.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I mailed a check ( my bank is Umqua bank ) for {$36000.00} written to XXXX XXXX  back in XX/XX/2023. The check was stolen from the mail and forged into another name ( the name they used XXXX XXXX # XXXX ) and deposited into a XXXX XXXX account. By the time I realized that XXXXXXXX XXXX never received my check- the check was already cashed. 
This check was written out of my business checking account and it has been on restriction for a month now while the Fraud Department at Umpqua is " figuring it out ''. The manager at my branch..XXXX Umpqua has been helpful - XXXX XXXX ( XXXX XXXX ) but she can only do so much- their general fraud department is giving me the run around. 
There is a police report filed : case # XXXX Detective assigned to case : XXXX XXXX XXXX XXXX This is a large sum of money and I need to know if I need to retain an attorney or an insurance agent to help me find out what steps I can take to get this covered.

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 2020-02-29
Company: Credit Central Holdings, LLC
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2020 Credit Central, LLC and XXXX ( the XXXX, Louisiana Branch ) used my social security number without me signing an application on XX/XX/2020 to access my credit reports. I called and spoke to the representative XXXX XXXX on XX/XX/2020 and she told me that they had to right to pull a hard inquiry on my credit report in order to find my current address. Once my credit file was accessed illegally, a member from Credit Central, LLC and XXXX named XXXX XXXX came to my home at XXXX XXXX  on XX/XX/2020 and rang my doorbell several times. I was asleep in bed with my XXXX XXXX who was XXXX  on XX/XX/2020 and the doorbell rang so loud waking myself and my XXXX. This company has also sent representatives to my grandmother 's home to look for me in the past. I am one payment behind and I spoke to the manager XXXX on XX/XX/2020 and notified her once I received my income tax, that I would pay the account in full because I am out on maternity leave and do not have any income coming in at the moment. XXXX asked me could she file my taxes because they have a tax service and I notified her that someone else prepares my income taxes.. She informed me that I could get a cash advance if they filed my taxes and I refused. Again, fast forward to today, this company has accessed my credit report without any signature my from authorizing them to do so on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I was alerted by Capital One on Wednesday, XX/XX/XXXX of suspected fraud to my credit card. The credit card was originally a Cabela 's Visa ( ending XXXX ), however due to the XXXX XXXX XXXX   buy-out, the credit card portion of the company was sold to Capital One. They issued a new Master Card ( ending XXXX ), however they still allowed purchases to be made on the old XXXX Visa, even though it had been ended. 

The fraud was suspected to be {$320.00} from a " XXXX XXXX XXXX ''. No one in my household made that purchase. While looking at this, I observed one purchase for approximately {$100.00} had made it through. I called Capital One on the same day XX/XX/XXXX, XXXX EST, and alerted them to this. I was advised at the time both cards were now cancelled and a new one would be issued, and neither the XXXX Visa nor the XXXX Master Card would work now, and the fraudulent purchases would be resolved. 

Upon looking at my statement today, another fraudulent purchase of {$94.00} was made to the same " XXXX XXXX XXXX ''. The purchase details show the purchase was made on XX/XX/XXXX and posted XX/XX/XXXX, meaning they allowed my card to be fraudulently used A FULL DAY after claiming to cancel it. They are now giving me issues in trying to resolve these purchases and I do not feel they are doing near enough to protect my information. Any help with this issue would be greatly appreciated.

Company response to consumer: Closed with explanation