BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Credit reporting agencies are reporting inaccuracies to my credit report and it is hindering me from obtaining additional credit.

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 2019-01-04
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I made the purchase of a puppy on XX/XX/XXXX from a company called XXXX XXXX XXXX. I used Paypal Credit to make the payment because of their promotional offer of 6 months no interest if paid in full. I received statements that showed they were charging me interest so I called PayPal Credit 's Customer Service on XX/XX/XXXX. The first representative looked at my account and said that the payment was paid as a Cash Advance instead of a purchase and did not qualify for the promotion. I called again and asked for a supervisor. We went through the Terms and Conditions where it said that a purchase is made to a merchant at a website, by telephone, or another authorized location. The company I paid had a website so I thought I was covered. The PayPal Credit supervisor said in the definition section of the Terms and Conditions that because I had made the payment using a link provided by the merchant it was considered a Send Money transaction, not a purchase, that did not qualify for the Deferred Interest promotion. If I had made the payment directly to the website the supervisor said I would have qualified. I feel that is not a situation that a consumer could understand when reading PayPal Credit 's Terms and Conditions and the confusion created is a deliberate effort to defraud.

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 2018-04-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
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:
My credit report with capital one credit wise tracker is showing that i owe a balance to Washington state child support of almost 40 thousand, this is not true the balancein fact is nearly paid off and should be posting no more than 1000, in a couple months it should be paid in full i do not want to continue to have my credit showing balances owed that are not ive reported to capital one this is not accurate and they have not yet updated this information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: Flagstar Bank, N.A.
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Flagstar Bank began servicing my mortgage in XX/XX/2018 ( XXXX had previously serviced it ). In XX/XX/XXXX, they reviewed my escrow account and doubled the amount of mortgage insurance. I had been paying the same amount since the loan originated and there is no reason for it to increase, which they have acknowledged over the phone. However, my monthly statements now show a doubling of my mortgage insurance. 

I spent an hour on the phone and was passed from department to department. Escrow explained that it wasn't them but the PMI department. PMI noted that the insurer had not billed them regularly so some months they paid nothing and other months they paid double. I pointed out that I had been paying them monthly and there would be a credit in my escrow account to pay a doubled month. My documentation from the bank does not show when they pay a third party insurer -- it simply shows how much I pay for the insurance and it doubled in XX/XX/2018. 

One customer service representative told me that PMI occasionally resets annually to a new rate. Knowing this not to be the case, I requested documentation of the contract that states that. 

The case number Flagstar assigned for the escrow issue is XXXX. 

They are " researching '' the issue, but have yet to rectify the situation. This is being filed to document with CFPB and alert consumers in the event this is a systemic issue of overcharging and altering PMI of consumers.

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 2020-10-12
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have filed Chapter XXXX bankruptcy ( XXXX ) and TransWorld Systems Inc was notified of the bankruptcy by mail so was XXXX XXXX XXXX. TransWorld Systems Inc has still chosen to violate my rights under the bankruptcy protection laws and has sent me a bill and called my cell phone. I called this company on XX/XX/XXXX and again on XX/XX/XXXX reconfirming my bankruptcy filing only for this company to call my JOB the same day. I need the communications to stop and I will officially filing a small claims complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: Exeter Finance Corp.
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: Account status incorrect

Complaint:
I wrote to XXXX  ; XXXX  and XXXX  Credit Reporting Agencies on XX/XX/2018 to challenge the reporting and compliance of a closed account reported reporting under account number XXXX with a balance of {$3200.00}. This information is misleading and is reporting serious factual errors. My identification has been comprised and I am following the instructions of the FTC by thoroughly reviewing my credit and this is when I came across factual errors regarding the account status and account information. The company Exeter Finance is reporting a partial account number, and this partial identification has hindered the completion of this process. This closed account that is reporting incorrect information it one of ( 2 ) accounts with the same account number being reported by Exeter Finance and it is causing confusion and havoc to my credit and needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
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: Account status incorrect

Complaint:
I wrote to XXXX  ; XXXX  and TransUnion Credit Reporting Agencies on XX/XX/2018 to challenge the reporting and compliance of a closed account reported reporting under account number XXXX with a balance of {$3200.00}. This information is misleading and is reporting serious factual errors. My identification has been comprised and I am following the instructions of the FTC by thoroughly reviewing my credit and this is when I came across factual errors regarding the account status and account information. The company XXXX XXXX is reporting a partial account number, and this partial identification has hindered the completion of this process. This closed account that is reporting incorrect information it one of ( 2 ) accounts with the same account number being reported by XXXX XXXX and it is causing confusion and havoc to my credit and needs to be removed.

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 2018-02-09
Company: EQUIFAX, 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:
My name isnt XXXX XXXX that is one error on my credit report. My name is XXXX XXXX so please remove these errors listed on my credit file. 2. All the addresses listed on my credit file is reporting incorrectly and the only address that should be reporting on my credit file is XXXX. XXXX XXXX XXXX FL XXXX. So please remove that error as well along with the inaccurate accounts and inquiries that you have been reporting on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-19
Company: RoundPoint Mortgage Servicing LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage payment was changed due to what they believed to be an escrow issue. I pay my property taxes out of pocket each year. Roundpoint mortgage raised my mortgage payment to cover this " escrow issue. '' I called them as soon as I got may statement and spoke to them. They did not know what was going on and told me not to pay my mortgage until it was resolved and they would call me back. 90 days ( approx ) later I called back since I had not heard anything. They still did not know what was going on, I paid my mortgage ( the higher amount ). I continued to pay the higher amount after continuously calling in to see what was going on. In the meantime, they reported a delinquency to the credit agencies which ultimately lowered my credit score and cost me a deal on a rental property I was bidding on and a potential higher rate on an auto loan at the end of the month after my lease is up. This is after they told me they did not report it to the agency that they just sent me a letter. These calls are all recorded from my understanding. I have never had anything like this happen to me. My credit prior to this was XXXX-XXXX  and it lowered my score to XXXX-XXXX. I have never been delinquent on my mortgage 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 2018-04-19
Company: Colony Brands, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX reported a debt ( {$140.00} ) to my credit report as an unpaid debt - chargeoff/write off. It has negatively effected my credit. I have never done business with this company, nor have I ever heard of them prior to when I tried to fix my credit. 

I learned about this erroneous notation on approximately XX/XX/2017, i hired a credit repair company to dispute this entry and have it removed but they will not budge.

Company response to consumer: Untimely response
Consumer complaint received 2019-01-04
Company: JPL Recovery Solutions
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Dear CFPB, I would like to let you know that this company, JPL Recovery solutions did not cease their communication. This is a new complaint I would like to file against this company. Today, XX/XX/2019, they called my workplace and it was my manager who got a call from a certain XXXX or XXXX. I have already advised this office months back that we are not allowed to have personal calls at work and they should stop calling me there. And when I called them on my lunch break the person threatened me again about wage garnishment and giving me false information that I have a debt of {$18000.00} if I fail to pay them {$1200.00}. They did the same before when I sent in my first complaint. They keep harassing me about this XXXX XXXX   loan which I made last year but this has been paid off a long time ago. I do not owe their company {$18000.00}. This kind of action is causing me anxiety and XXXX XXXX. I hope you can help me address this issue with the said company. Thank you again for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 been trying to personally remove inaccurate information from my consumer report that does not correctly represent myself. I have contacted each credit bureau by mail stating that i would like to dispute incorrect information from my consumer report. I have had challenges with being approved with financial benefits, auto loans and other products falsely reporting my credit worthiness. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information : Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Pursuant to 15 USC 1682a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from consumer report. The definition of a credit card under 15 USC 1682 is the same as it is under 15 USC 1602 ( L ) which is the therm credit card means any card, plate, coupon bork or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. Notice, congress said ANY card. The credit card is my social security card. This is the credit card i used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as are a violation of my rights as a Federally Protected consumer under title 15 chapter 41. I have attached the letter that Ive sent to each credit bureau by certified mail.

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 2018-01-28
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
TD bank has suddenly blocked access to multiple finance applications. I am unable to link my bank account to XXXX, XXXX, or XXXX just to name a few. I need these applications so that I can invest and save my money. I was able to link my account previously so this is definitely something new. I no longer am able to automatically save and invest my own money and that is not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: Sterling Infosystems Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
There was a report requested by XXXX using Sterling XXXX XXXX on XX/XX/2018. The report was completed on XX/XX/2018. I did not receive the report until XX/XX/2018. On the report it states that I have multiple felonies and multiple misdemeanors. I have been to my local precinct and my name has been ran and it has came back clean, no charges on my record. I was told by the precinct to file a complaint and ask if this was indeed my information that was used for the background check. Because if it was my information that was used, I must then file an identity theft report with the Authorities

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 2018-04-20
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed this, I have no knowledge of this account. I requested supporting documents, however I only received company charges. No contract or agreement, nothing signed, no handwritten information at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have been in debt with Wells Fargo for over a year and my debt only increases. I have asked them to arrange monthly payments since I can no longer afford the minimum payments. They started calling my parents personal cell phones as well as my parents house phone. I never authorized any of my information to be shared. My debt has increased over the past eight months even though I have not used it once in those eight months. I went from oweing {$16000.00} to about {$2700.00}.

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 2019-01-04
Company: Mercedes Benz Financial Services
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I financed my XXXX XXXX XXXX XXXX through Mercedes Benz Financial Services in XX/XX/XXXX. Since that time, I have maintained a payment history free of any delinquencies or missed payments. In early XX/XX/XXXX, I had an unexpected medical emergency resulting in XXXX that put me out of work for over a month. I immediately contacted MBFS to request an arrangement to postpone my payment, while still maintaining my positive payment history. The representative offered me a two month payment deferral, and advised that my account would remain current even though no payments were necessary for the months of XX/XX/XXXX and XX/XX/XXXX. I was assured that as long as I resumed my normal payments in XX/XX/XXXX that my account would remain current. Less than 3 weeks later, I received credit alerts from all three bureaus stating that my account with MBFS was being reported 30-59 days past due. I have made multiple attempts to resolve this matter directly with the creditor, however each time I call I get a different story of what is going on. During my last call, a representative actually admitted to me on a recorded line that they DID see where the deferral was granted in XX/XX/XXXX, but for some reason that he could not explain to me he informed me that it took someone until the middle of XX/XX/XXXX to actually process it. There was no explanation as to WHY this happened, and to this day my credit report still reflects a 30 day late status for XX/XX/XXXX. This error resulted in my healthy credit score plummeting over 80 points due to ONE negative mark in an otherwise flawless payment history in over 4 years as their customer. I have exhausted my efforts, as well as my patience attempting to resolve this issue directly with the lender. They have already admitted their error, yet have made no attempt to correct the erroneous reporting and damage to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: AmeriCollect
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against AMERICOLLECT INC. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX XXXX  and CAPITAL ONE with no successful resolution. XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: EQUIFAX, INC.
State: PA
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:
these companies reported me late and I wasnt late. I was sick with XXXX. I called them I need them to honor please and update to never late XXXX - XXXX - Score Impact : Low Summary Details Transactions Source : Credit Report As of XX/XX/2020 Account # XXXX Account Status Open Payment Status Past Due - {$190.00} 2 of 2 XXXX  - Score Impact : Low Summary Details Transactions Source : Credit Report As of XX/XX/2020 Account # XXXX Account Status Open Payment Status Past Due - {$50.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have sent letters to correct my personal information. I have incorrect names address still reporting. I have sent my ID as proof of my name and address and they still have not corrected the information.

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