BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 spoke with Dept of edu they advised the Administrative CARES forbearance was applied to my student loan. They advised they reported back to both credit unions in regards to this issue on XX/XX/XXXX it is now XX/XX/XXXX and the 80+ point drop in my credit score has not been corrected. It is hard enough as a women of XXXX to get ahead and an 80+ drop in my score impacts my life greatly. I have worked entirely too hard for a mistake I had nothing to do with having such a negative experience is extremely disheartening. I have since reached out to the credit bureaus but they dont care obviously Im just another number. Theres so much red tape and we dont get the immediate correction deserved. If there is a number I can call to get this worked out ASAP please let me know.

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 2019-06-19
Company: LDF Holdings, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Getting a payday loan was the worst mistake that I ever made in my life.The finance fees are outrageous and un-affordable, The company takes basically my entire pay, I am a single mom who pay check is completely gone due to this fact.I don't even have gas in my car for work what am I suppose to do at this point .Help please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After a XXXX search, I realized that " Penn Credit Corporation '' is a scam. They are trying to collect " delinquent parking ticket '' balance for {$42.00} that I know I do not have. It has a service date of 2018XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: Family First Funding LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
During the title search there was an old judgement that surface. I presented the issue to the mortgage broker in an affidavit. He stated that he turned it into the under writers and attorneys for the mortgage company. Before closing I reached out to the mortgage broker and asked him for the status of my loan and the questionable debt. He told me they took care of it and it was too old to be factored into my income to debt ratio. Last week I received a noticed from my employer that a wage execution had been submitted and processed against. This now effects me ability to pay my mortgage and other household bills. 
Family First Funding XXXX XXXX XXXX # XXXX XXXX XXXX, NJ XXXX Loan # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: Experian Information Solutions 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:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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.

The letters are stated with items and issues.

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 2018-10-22
Company: Mercedes Benz Financial Services
State: FL
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:
The car was repositioned by Mercedes benz financial services on XX/XX/2018, the required payment was made on XX/XX/2018 via XXXX XXXX as requested which they were only able to locate after 8 days, meanwhile the new payment kicked in and they had me pay it even before the deadline date for the regular payment. payment was made same day on XX/XX/2018. they promised to sign the release same day. its XX/XX/2018 and non of the managers is on their desks according to the agent. XXXX the supervisor and XXXX the team leader are the only two can sign the release and they were never on their desks for 2 full days, so many voicemails left and still no response. 

I'm hurt, not able to work, my car is my source of income and i feel this team is attacking me personally. i seek help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: Ray Klein, Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contact professional credit services ( XXXX XXXX ) in XXXX of 2023 the about is for {$12000.00} please remove this from my XXXX XXXX and XXXX its a medical bill this account is illegally and reported on my credit reports this collection is violating my privacy and also XXXX I would like for this account to be removed from my credit report please they also dont have the right to have this collection and the wrong dates or on there please remove this in with in 30 days. 
I also have other one of medical bill from puget sound collection ( XXXX XXXX ) for {$1200.00}

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 2022-10-15
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity of fraud and or identity theft.This account was opened and made by someone else pretending to be me. I did not authorize or used or benefited from the opening of this account that I'm disputing it needs to be removed immediately and updated on my credit profile

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: JPMORGAN CHASE & CO.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On my credit reports there is a closed account with huge amount of missed payments. JPMCB - CARD SERVICE Opened XX/XX/2016 Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA JPMCB - CARD SERVICE has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: Specialized Loan Servicing Holdings LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a conventional mortgage with Specialized Loan Servicing ( SLS ) that  includes an escrow component. I never wanted the escrow component but was lied to my mortgage broker ( XXXX XXXX with XXXX XXXX  ) who told me it was a requirement in Colorado. 

Despite holding thousands of dollars in the escrow account, SLS frequently issues demands for additional escrow funds. If you use auto-pay ( as I presume most people with conventional, fixed rate mortgages do ) you have to adjust the auto-pay amount and submit a separate, additional payment to SLS. 

If you do not meet SLS ' demands right away, they will begin charging late fees. Worse, when they do receive your payment, they will misallocate the funds in such a way to keep your account in arrears so they can charge additional late fees. For example, on my XXXX statement, they claimed a total amount due of {$1800.00} which included {$120.00} in fees and surplus escrow demands. I paid the full {$1800.00} but my XXXX statement showed an " uncollected escrow '' amount of {$23.00} and threatened additional late fees. When I finally got someone from SLS on the phone ( never a simple task ), they claimed the {$23.00} was applied to my principle rather than the escrow account. 

This makes absolutely no sense. By misallocating the money they demanded for my escrow account to my principal they were intentionally manipulating my account to keep it in arrears. If this isn't fraud, I don't know what is.

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 2020-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
There is still a XXXX XXXX XXXX XXXX credit card on my report. I have submitted numerous complaints against XXXX. I told them repeatedly that fraudulent charges were made to the account and XXXX did nothing. It has remained on my report this entire time. I will never do business with XXXX again. THIS DEBT IS OVER SEVEN YEARS OLD, IT MUST, BY LAW, BE REMOVED FROM MY CREDIT REPORT. PLEASE REMOVE IT IMMEDIATELY. Thank 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 explanation
Consumer complaint received 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 non-monetary relief
Consumer complaint received 2020-07-13
Company: Experian Information Solutions Inc.
State: NY
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 had submitted a complaint about XXXX XXXX XXXX XXXX about a month ago in regards to them listing a loan that is showing as a charge off on my credit reports. I've had multiple loans with them that have all been paid in full and never late. Approx 6 loans. Those loans were reporting current paid in full. There was 1 that was reporting as bad. ( which is incorrect ) all loans have been paid in full and this is also going back to XXXX. Today I was notified they removed 4 closed paid loans off my credit reports which caused my credit score to drop. I did not ask them to remove positive information that keeps my credit score in good standing. I had complained that this old loan which is over 7 years old be removed off my report as the information is outdated aside from that all the loans have been paid in full and satisfied. I don't know why they removed 4 loans off my credit reports.

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 2023-04-28
Company: Experian Information Solutions 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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these accounts ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX SXXXX XXXX XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : 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 non-monetary relief
Consumer complaint received 2017-12-14
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Offices of XXXX and XXXX XXXX XXXX XXXX ( no street address ) XXXX, CA XXXX ( XXXX ) XXXX Called me XXXX/XXXX/XXXX @ XXXX XXXX from ( XXXX ) XXXX ( XXXX XXXX TX XXXX ) robocall stating a package was undeliverable and to call back at a XXXX area code number. I called the XXXX and was connected with XXXX. Original creditor was XXXX XXXX. Amount charged off was {$2700.00} with {$43000.00} interest - a total of {$7000.00} on XXXX/XXXX/XXXX. They are filing a XXXX, as current creditor, for the full amount if I do n't pay {$2100.00} by XXXX/XXXX/XXXX. The originally mentioned they have a judgement against me from court. I was never notified. 
I had mentioned XXXX XXXX hadcollected {$1000.00} from me in XXXX XXXX to pay off my Providian account. I was told it was n't the same account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: CARS Acquisition, LLC
State: AL
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:
To be honest i don't know what happen the finance service appeared on my credit report and I've never financed a car through them they appeared on my credit in XX/XX/2019 car financial services i tried disputing it but it came back that it was correct but its not i haven't financed a car in about 10 years and this company wasn't the company i went through and the car is paid off so i meed this removed off of my credit report..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: Experian Information Solutions Inc.
State: DC
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 tried reaching out to the creditors ( XXXX XXXX XXXX XXXX in addition to the credit bureaus ( XX/XX/XXXXand Experian XXXX. To date I have yet to receive any correspondence from either creditors or credit bureaus. 

Please reference documentation that was submitted to both creditors and credit bureaus. Correspondence to the creditors was sent via certified mail. 

Both the creditors and credit bureaus have exceeded the 45 Days. I am requesting complete deletion of the late payments.

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 2019-06-18
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:
XXXX XXXX DOB : XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX To Whom It May Concern : Your company have violated the provisions of section 605B, 623 ( a ) ( 6 ), or 615 ( f ), You have no proofs to offer to support a dispute, and thus your assertion in the form of a report is being used to obtain blockage, not contest the accuracy of its reporting is ridiculous. 
Stating that I have hire a credit repair company have no merit respond to my issue it is sad that your company will try to used way not to fallow the law keep in mind every information stated here will be latter requested if a lawsuit is filled against your company please govern by the law as to my issue you have no reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) Transunion has reason to determine that you obtained possession of goods You have no way to ascertain the legitimacy of my action without investigating the items in question Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX  system that doesnt even contain my reasons for the dispute is not reasonable. 
Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the  disputed item ( s ) as soon as possible stating that I have hire a credit repair company to resolve my issue is a insult Thank you. 

XXXX XXXX DOB : XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2018-09-10
Company: PHH Mortgage Services Corporation
State: DC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Through XX/XX/XXXX, I was making monthly payments to PHH Mortgage Services in the amount of {$2300.00}. My payment  included escrow for taxes and insurance. In XX/XX/XXXX, I was notified that my payment was increasing to {$18000.00} based on an escrow analysis that was completed of my account. In XX/XX/XXXX, I stopped making payments. 

In XX/XX/XXXX, the loan was transferred to XXXX XXXX. I have obtained a document where PHH claims to have paid {$330000.00} from the the escrow account on my behalf. The loan was transferred to XXXX with a negative escrow balance of approximately {$140000.00}. 

I have obtained a payment history from the DC Office of Tax and Revenue ( OTR ) that shows they have received {$260000.00} in tax payments dating back to the date that I purchased the property in XXXX. The bulk of these payments have been made by XXXX ( approximately {$260000.00} ). 

I believe PHH Mortgage Services transferred the loan with false documents. I am also being charge interest and penalty payments in the amount of {$70000.00} during the period that my loan was current.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have disputed this item on my credit report and won several times. But Enhanced Recovery Company keeps reporting it each time with a newer account opened date. Currently it is XX/XX/XXXX. I have called XXXX, the original credito, r and they gave me an account number. They said it was closed in XX/XX/XXXX, this was the year of my divorce so I assume it was opened by my ex-wife fraudulently. XXXX will not verify any other account info because my info does not match what they have on file. Either way, an eight year debt is too old to show up on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation