BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-03
Company: AAA Auto Title Loans, LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
In XX/XX/2021 I visited the Cash 1 store on XXXX  and XXXX to refinance my loan which I had done at XXXX  and XXXX XXXX a month or so before. During my visit to the XXXX store I told the Representative to make my payment date for the XXXX, like the previous store. The Representative said ok no problem. Well they didn't do as asked Apparently. So on XX/XX/XXXX my daughter gets a text message and I get a email stating the payment was coming out of my account on XX/XX/2021. I also specifically ask to have a 6 month term as the Representative said they could do. I called to find out why they were requesting my payment on the XXXX that it was due on the XXXX. The man that represented himself as the Store manager his name is XXXX. He stated he could not change the due date, and he wanted my bank statement to prove when I got paid my Social Security and Pension payment from my deceased husband that I receive monthly. My daughter was listening and said mom they are asking for that information because they are trying to make you sign a new contract. If my daughter wasn't there and works as a Loan Specialist for a very large financial institution, I would have done it, which in turn would start my loan all over again, which means I pay alot more in interest. This company has you express sign electronically in front of them off your phone. It has you check off on boxes for consent. They don't go over all the information with you to make sure everything in correct like loan term, payment date, interest rate etc. So here I am thinking and trusting in there practices. Boy was I wrong. The store manager as he called himself absolutely refused to change my payment date and tried to get me to sign another express loan agreement. He was rude, very unprofessional. Im a XXXX year old women and was told by XXXX to stop cussing. I was applauded. I don't use curse words and when I asked what he was talking about, he stated back to me well you almost did. Wow unbelievable. This company is taking advantage of the elderly by trying to get them to sign new contacts to increase their paybacks in interest. And abusing the elderly/ myself with accusations. Again if my daughter wasn't listening to what was going on over the phone they would have got me. I just was trying to get corrected their mistakes on my payment date. And they put me on a 7 month contact, instead of a 6 month as they stated they could due, and agreed too. I hope by writing this complaint to the CFBP they will change how they conduct business and treat people in general, and that they will make my contact a 6 month original term and the payment date of the XXXX each month. I was always paid my loans on time, paid them off be for they came to term, etc. Please help me resolve this situation. 
Best Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, VA XXXX DEAR Creditors : Recently, I received a correspondence from Transunion Credit Reporting Agency and/or it's attorney ( s )  XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX in regards to reviewing my credit report and/or engaging in a settlement for reporting erroneous information. Upon review, my whole credit history had been deleted, wiped away and/or altered. Therefore, this is an attempt to reconstruct my credit report as I did not agree to settling this matter with Transunion or any credit bureau. Upon full reconstruction of my credit report, despite bankruptcy history, the credit score that should be yielded in between 650-680 or above, as this what my credit score was when entering both bankrupcy ( ies ). All accounts should be paid as agreed and/or showing in " good '' standing. Below are the list of creditors known for credit card services. 

In the year of XX/XX/XXXX and prior : ( These credit cards had large credit limits with the greatest of the limits being {$10000.00} and below. ) XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, VA XXXX Credit Limit between {$7500.00} and {$10000.00} XXXX ( XXXX ) c/o XXXX XXXX. XXXX  XXXX XXXX XXXX, SD XXXX Credit Limit between $ 7,500.00+/- and $ 10,000.00/- XXXX XXXX   XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXX, DE XXXX Credit Limit below $ 7,500.00+/- XXXX XXXX XXXX XXXX XXXX XXXX. Ohio XXXX ( Closed prior to XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( Closed prior to XX/XX/XXXX ) In the year of XX/XX/XXXX and thereafter : XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, DE XXXX Date ( s ) of final payments : XXXX Amount paid {$1700.00} Balance due : {$0.00} ( reestablished credit card account ) XXXX XXXX. XXXX  XXXX XXXX XXXX, IL XXXX Date ( s ) of final payments : XX/XX/XXXX Amount paid {$680.00} Balance due : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, DE XXXX ( only one account with two possible addresses ) Date ( s ) of final payments : XX/XX/XXXX Amount paid {$720.00} Balance due : {$0.00} XXXX XXXX XXXX   XXXX XXXX. XXXX XXXX XXXX, DE XXXX ( only one account with two possible  addresses ) Date ( s ) of final payments : XX/XX/XXXX Amount paid {$720.00} Balance due : {$0.00}

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 2018-04-29
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
My credit score is good/better than most, but these guys raised my rate from 12 % on inception to over 21 % for no reason. I would see if my score has gone way down, but no it remained same or gotten better. I received NO notice of increase and would like a refund of interest paid since change.

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 2020-10-11
Company: SUNRISE CREDIT SERVICES, INC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I never received any notification of the debt, I just happened to check my credit report and saw a collection for {$1500.00} from Sunrise Credit Services on behalf of XXXX XXXX. I paid said debt and it's still showing that it's unpaid and has pull my XXXX Credit Score down.

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 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
Pretty much I applied for a credit card I was approved but then XXXX still did a hard pull twice once on XX/XX/22 and one on XX/XX/22 all Im saying is how I got a card but I also got a letter sayin I didnt get it? But I did get it? N now I have two hard inquiries on my report also they have address that I dont live at on there and all different variations of my name which I do not like at all!!

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 2019-01-18
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company, Ditech Financial, has sent me a letter advising that they are not going to remove the PMI on my loan until it reaches 75 % LTV. I have previously made a request in writing as well as had an appraisal done by one an appraiser of their choosing. I have a LTV of 80 % and understand that upon my written request, the PMI should be removed. Can you please advise?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: AMERICAN EXPRESS COMPANY
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: Information belongs to someone else

Complaint:
XXXX XXXXXXXX Opened XX/XX/2015 {$17000.00} Please review this account inquiry. I would like both investigated and fixed immediately American Express Opened XX/XX/2015 {$2300.00} Please review this account inquiry. I would like both investigated and fixed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX  will not remove the dispute Im requesting.. Ive already contacted them and explain that the auto loan was fraudulent put in my name by a family voluntarily turn it in ... Im so hurt because now my credit is destroyed from a auto loan I wasnt responsible for myself

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 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
In accordance with the fair credit reporting act XXXX, XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX, Balance {$11000.00} US DEPT of Education, Account # XXXX XXXX  XXXX, Account # XXXX XXXX  XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX 15 USC 1681 602 States " I have the right to privacy. '' 15 USC1681 604 A Section states " a consumer reporting agency can not furnish an account without my written instructions. '' 15 USC 1666B states " a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2017-12-10
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To whom it may concern, Please let this letter serve as a complaint against Shellpoint Mortgage Servicing. Shellpoint is the mortgage servicer for our property located at XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX. Our account number at Shellpoint is XXXX. Our complaint is based on several factors including, but not limited to : 1. Failure to provide answers to written and/or oral requests for information. Shellpoint sends letters every few weeks assigning a different single point of contact for our mortgage, despite leaving voicemails and emails, our calls are not returned. 
2. Failure to provide proof of an escrow payment. In XXXX 2017, Shellpoint claims to have made a tax payment to the county/town for approximately {$50000.00}. In XXXX they claim the payment was returned and issued a new payment. To date, the town has not received payment, nor has Shellpoint provided a canceled receipt for said payment. 
3. Egregious errors in mortgage statements. We requested a payoff letter and reinstatement letter back in XXXX, 2017. The reinstatement letter which was only provided on XXXX XXXX, 2017 is {$200000.00} and XXXX higher than the payoff letters provided in XXXX 2017, then again in XXXX 2017 respectively. The reinstatement letter mirrors years of mortgage statements which have all seemed inaccurate. Once again, despite numerous attempts of contact, Shellpoint never addressed our concerns. 

Thank you for your attention to this matter,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: JPMORGAN CHASE & CO.
State: CA
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:
My credit card was fraudulently charged by XXXX via XXXX on XX/XX/20 for {$210.00}. I can not connect with XXXX to file a fraud claim since I don't have a XXXX account. I disputed with my bank - Chase, however Chase said a tracking number indicated something was delivered to my address. I or anyone I know never placed any order with XXXX nor did I receive anything from the company. I requested Chase provide detail order info regarding the fraud charge and supervisor call back. However I simply got a letter indicating that the charge was valid without any order info. I tried to call the number on Chases letter to reach the fraud department however the phone line is not taking any calls. 

This is not acceptable even due to shortage of staff during the pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Torres Credit Services, Inc.
State: IL
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:
in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my right 15 USC 1618 section 602 States i have the right to privacy 15 USC 1618 Section 604 A Section 2 : its also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as fot late purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
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:
I filed ftc report because I found fraudulant accounts on my report and nobody will help me

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 2019-01-18
Company: Midwest Recovery Systems
State: KY
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:
I checked my XXXX XXXX account today, luckily. It now shows a derogatory mark on both my XXXX and XXXX reports. Supposedly this is for a {$700.00} debt owed originally to " XXXX XXXX XXXX '' that is in collections from " Midwest Recovery Systems. '' I have never even heard of XXXX XXXX XXXX. After researching online, it appears to be a payday loan company. I have never received any mail, any calls, anything from XXXX XXXX XXXX. I do not need and do not take out payday loans. Additionally, I have never received any mail, calls, statements, etc. from Midwest Recovery Systems. This is not my debt and I am furious it is showing up on my credit reports as I am saving for my first home. This has caused a HUGE drop in my credit score. I have filed disputes with both XXXX and XXXX. It is not showing up yet on XXXX. Please assist. My husband and I have worked very hard to build credit, save for a home, etc. and this is jeopardizing everything we have worked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
While checking my most recent credit report, I noticed credit inquiry that I did not authorize and they are a result of identity theft, made by the following companies : I found that your agency has prepared my consumer report with inaccurate information ; which is a direct violation of 15 usc 1681e ( b ). The FCRA states that you have a duty to assure me that information being reporting will always be 100 % accurate and you have failed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have faith that you will complete a full, proper, and legal investigation as described in the FCRA. After you complete your investigation please mail an updated credit report with all the changes to the address listed above. This investigation must be completed in 30 days once you have received this letter. According to 15 usc 1681i ( a ) ( 5 ) ( A ) inaccurate or unverified able information must be deleted once your investigation is complete.

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 2020-07-12
Company: Fay Servicing, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
There were incorrect loan payment activity changes made by Fay Servicing on numerous occasions to my mortgage account, which reversed my paid monthly payments, impacting my account status. My current loan due date should be XX/XX/XXXX and these incorrect revisions resulted in my status showing a XX/XX/XXXX due date. 
I noticed these errors on XX/XX/XXXX and reported them to an account manager, who stated he would explore the situation and get back to me while telling me to keep this between the two of us.He was aware that I had meticulous documentation and receipts of my mortgage activity. I requested correction of all errors and update my loan status to due XX/XX/XXXX. 

When calling to make my monthly mortgage payment on XX/XX/XXXX, the agent told me that my loan was due on XX/XX/XXXX. I told him this was a gross error, that my due date was XX/XX/XXXX. He transferred me to account manager XXXX XXXX. The manager said it appeared for some reason my payments were kicked back to XX/XX/XXXX. He also stated that the COVID-19 one month deferment which was offered to me and applied in XX/XX/XXXX by account manager XXXX XXXX, was removed. He said he would investigate and to keep this between us ( huge red flag of wrong-doing ) .After the phone call I went online to review my account details and saw disturbing details. I have made timely monthly mortgage payments since Fay Servicing bought my loan in XX/XX/XXXX, which were all recorded on the activity sheet. I have my bank records to support all monthly payments made.I shockingly noticed reversal payments to my account which had no basis, except for one in which the prior mortgage company did not apply one of my payments thus was adjusted in XX/XX/XXXX. There were 4 reversals in XX/XX/XXXX and 2 reversals in XX/XX/XXXX, this undoing my mortgage payments.This is possibly fraudulent and unethical behavior by Fay Servicing. I did notice on XX/XX/XXXX when looking at my online account to follow-up, that someone reapplied payments for 4 of the 6 reversals and it reflected a loan due date of XX/XX/XXXX when it should be XX/XX/XXXX. While it seems someone adjusted these errors, the account manager XXXX XXXX did not call me as he said he would. 
I researched this company, which assumed my mortgage on XX/XX/XXXX, and noted they were in a lawsuit in XX/XX/XXXX for illegal practices. I looked at the XXXX  and see countless complaints of a similar nature.I work hard to provide a good home for myself and family.I expect that my mortgage be serviced in a professional, accurate, ethical and legal manner. What I have identified could have resulted in my home going into foreclosure and losing my home due to the errors by Fay Servicing, which may be accidental or deliberate. Your investigation for both my sake and all other Fay Servicing customers is greatly in need.Please assist me with this possibly illegal situation and let me know if you need any additional data. Thank you!

Company response to consumer: Closed with explanation