BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-30
Company: LendingPoint Holdings LLC
State: FL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have multiple loans under my name that were not open by me. I have already reported this issue to the federal tax XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: LoanCare, LLC
State: ME
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX, the former holder of the mortgage on my home, sold the mortgage to another company effective XXXX, 2019. However, I continued to make payments to XXXX for two months after the transfer was finalized. The payments made to XXXX were in XXXX and XXXX 2019. When I realized the problem in XXXX 2019 I immediately notified my new mortgage company, Loan Care LLC ( also referred to as XXXX ), of the error. LoanCare LLC stated that they had not received any payments from XXXX and demanded that I bring the account current paying the overdue amounts in full. Since I had already made both payments to XXXX, I could not afford to pay the full amount allegedly due ( XXXX and XXXX payments ). Instead, I paid one month to Loan Care and attempted to get XXXX to reimburse me. Eventually, I was successful in getting XXXX to reimburse me for the XXXX payments and was able to pay the second month payment to LoanCare LLC. By then, however, the payment was over 30 days past due. In XXXX, Loan Care reported my mortgage to the credit bureaus as 30 days past due. 

Your website states that " for 60 days from the date your loan servicing transfers, your new servicer can not charge you a late fee or treat the payment as late if you sent it to your previous servicer on time or within the applicable grace period. '' Loan Care inappropriately reported my XXXX payment as 30 days late despite understanding that I had mistakenly paid XXXX two mortgage payments. The reporting of a late payment is a violation of the rule explained above. Please help me resolve this issue with Loan Care. If I can not get the issue resolved I will have to take it up with my XXXX XXXX XXXX. 

Please note that Loan Care LLC is located in XXXX XXXX, Virginia. My mortgage statement says that LoanCare LLC is subservicing my loan on behalf of XXXX XXXX XXXX XXXX. and XXXX XXXX XXXX XXXX has the right to service my loan. 

Customer Service inquiries should be made to following address : Loan Care Attn. Customer Service XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX ( XXXX ) XXXX I

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 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 has violated my rights for the amount of {$100.00} also XXXX XXXX XXXX XXXX has violated my rights for the amounts of {$5500.00}, {$6600.00}, and {$770.00}. 

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 : also states a consumer reporting agency can not furnish a account without my written instruction to do so.

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 2018-08-03
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 information incorrect

Complaint:
On XX/XX/2018 I wrote to TransUnion credit reporting bureau ( see attached letters and proof of certified delivery ) informing them of the incorrect reporting of an account that is unknown to me and that they were reporting both inaccurate data regarding this account and the company 's contact information because my mail to them was returned by the post office as undelivered. I informed TransUnion that I have attempted to contact this company but the contact information stated on my report is incorrect. I wrote to the collections company on XX/XX/2018 stating the listed account # XXXX reported by XXXX XXXX  XXXX XXXX XXXX is not known to me and that I requested full validation. This has been over ( 7 ) months please note that this collection agent is in non compliance with FCRA and the FCRA. I have received NO response from TransUnion regarding my dispute and the non compliance of the collection agent although I have sent supporting documents including the envelope stamped as undelivered by the US postal service ; copy of letter requesting validation sent to XXXX XXXX XXXX XXXX XXXX ; Copy of certificate of mail ; copy of my driving license ; copy of my social security card ; copy of recent XXXX for verification of address of residency. Both TransUnion and XXXX XXXX  XXXX XXXX XXXX have failed to comply within the 30-45 day time frame to date the account is still reporting on my credit ( see attached account reported on my credit report ) therefore I have no recourse to moving forward without the assistance of the Consumer Financial Protection Board.

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 2023-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This company has violated my federally protected consumer rights by sharing my personal information. 

According to 15 USC 6802 it states except as otherwidse provided in this subchapter, a financial institution my not, directly or through any affiliate, disclose to a non affiliated third party any non public personal information unless such financial institution provides or has provided to the consumer a notice that complies with 6803 of this title.

15 USC 1681 Section 602 A states that I have a right to privacy.

15 USC 1681 Section 604 A section 2 states that a consumer reporting agency can not furnish an account without my written instructions.

1666B also states a consumer reporting agency should never consider any credit card payment late under an open end consumer credit plan for any purpose. 

Those accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have started the lawsuit against TransUnion already XXXX The case number is XXXX. I will be filing against XXXX if no action is taken

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 2023-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the allege debt, nor therefore any such debt, in fact therefore exists.

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 2023-08-05
Company: The Savings Group, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
Regarding inaccurate Hard Inquiries that had been run into my credit report without my acknowledge or permission.

I have Identified herein the items that I am disputing ( Identify as Disputed items ) here is the company name. I never signed or had a record voice given my permission to run my credit and affect my credit with a Hard Inquiries causing my to reject me to any application for a loan or a credit card application.

My Credit profile is clear and As personal statement ( ALERT : FRAUDULENT APPLICATION CALL BEFORE RUNING THE CREDIT.

ATTACHED YOU FIND A COPY OF MY STATEMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: MO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I requested copy of statement showing a cash bonus of {$200.00} being applied towards my balance on my account with BMO Harris Bank. Told them I would not pay bill until I seen statement showing cash bonus was applied. 
Blocked me from accessing my account online closed my account and reported delinquency to credit monitoring. 
I have a right to copy of statement prior to making 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 2021-11-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Filed complaint about fraudulent use of debit account and stolen PIN number used to remove all funds from account. After months of waiting and sending documents bank will not accept claim because PIN number was used and no other reason. It was stated on original claim that PIN number had been stolen and used with counterfeit card to access account. The bank did not investigate at all and there is a need to have a independent investigation by non bank personnel as decisions were biased to deny claim regardless of any documentation submitted. Sending to company is useless as there are no repercussions for any decisions. I have been treated as criminal and accused of taking my own money out and submitting false claim to get more money. All I want is my money that was taken from bank without my authorization even though it has cost me much more than that to just deal with Bank of America.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-05
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly.

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 2021-10-08
Company: Home Point Financial Corporation
State: IA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Contacted HPFC to obtain a payoff quote for the sell of my home. The payoff was good till XXXX XXXX in the amount of {$320000.00}. {$320000.00} principal, {$770.00} interest, {$220.00} PMI, and {$100.00} for recording fee. Funds received after would be an additional {$29.00} per day. on XXXX XXXX HPFC received the full amount prior to their XXXX cut off time for processing. Upon review of my account on XXXX XXXX I noticed a partial settlement in the amount of {$130.00}. When asked what it was for? HPFC said interest. This is not listed anywhere on the account so I asked for a 30 day statement which I received. The only interest on the payoff was {$770.00} which was remitted and received by HPFC. I asked HPFC to do an additional review numerous times and no one can tell me what the interest is for and why it was not disclosed in the payoff quote. I have asked HPFC for a refund/dispute of the amount as it was not disclosed with no satisfactory response from the company. I want a refund and want to know why I was erroneously billed. The refund was not applied to my escrow refund either which showed a balance in the amount of {$2500.00} of which HPFC claims to have refunded as of XXXX XXXX. I want to know why the {$130.00} is charged and why the company refuses to discloses the sources and choose to omit it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
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: Problem with personal statement of dispute

Complaint:
XXXX been holding negative items on my credit report for years, holding me back financially. Ive done everything I can to Dispute all negative items, even after some of the items were paid in full or no longer being reported. Every time I try to dispute online, they dont remove the accounts from my credit report. To me is not fair because Ive been fighting identity theft over XXXX years and I took initiative up on myself to fix everything but I need help ASAP. in addition to XXXX XXXX XXXX XXXX XXXX XXXX falsely closed and reported both my personal bank account and my secure credit card to the credit, bureaus and Chex systems as account abuse.Bank of the west illegally reported my accounts to be closed until 2029.

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 2019-12-06
Company: Commonwealth Financial Systems, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I filed a company 2days ago to the FTC. THe COMMON WEALTH FINANCIAL IN PA. ACCORDING TO MY XXXX  CREDIT REPORT. A COMPANY THAT HAS NEVER WRITTEN ANY DEBT COLLECTION TO ME. THEY NEVER DONE A DEBT VALIDATION of a debt They just put on inaccurate collection on my report. Now they are retaliating by putting it on my XXXX  report a day after my complaint to the FTC. on XX/XX/2019 HERE is my complaint number with Ftc XXXX. Thanks for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Experian Information Solutions Inc.
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts about their accuracy the reported payment history of this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX Date Opened : XX/XX/2016 Balance : {$5600.00}

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 2018-08-02
Company: Nationwide Credit Corporation
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Nationwide Credit Corporation ( XXXX, VA ) continues to call me daily to collect a {$40.00} medical debt from a doctor I do not believe I have ever seen. 

I have spoken with their representatives many times over the past month or so. They are generally nice until I request a Debt Verification letter, then they turn hostile and begin shouting at me. I understand my rights and will not make a payment until they have provided a verification letter. I have no problem paying this debt if it is in fact mine, but I don't think it is. 

They claimed to have sent a letter to me, but I have not received one. I asked if they sent it certified, but they declined to answer, so how do I know they sent it or are just lying like another shady debt collector? I can't possibly 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 2021-10-07
Company: TD BANK US HOLDING COMPANY
State: GA
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 had a vacation rental in XX/XX/2021 and I had charged the rental on my Visa account. I had mentioned to the vacation rental company that my daughter had health issues and would need to bring her XXXX XXXX. I was told it was not a problem and I would need her certificate. Since the American disabilities act clearly was in the contact I had no reason to doubt that this would be accepted. The vacation home sold apparently days before i arrived and the new owners were unaware that I had been told this and they had cameras in the home. The agency charged me with a {$1400.00} cleaning fee texting the new owners that my husband had authorized this. I actually tried to work with the agency for several weeks, I had sent pictures of how I had cleaned the home ( which i should not have had to do but it was not clean, very dusty due to COVID shutdown my guess ) and the agency acknowledged my pictures and thanked me but were not able to get the new owners to even consider working with me so at that point I disputed the charge as the visa card company did not have my permission and I have not had a husband in 20 years and there has never been anyone authorized to sign on my Visa account. When I filed the dispute the VIsa company said that I clearly had a valid dispute. They basically took the response of the vacation rental agency and sent it to me claiming they were not accepting the dispute. I have done everything i can to try to hold the credit card company accountable for accepting a charge that was not authorized. They have now billed me and even sent me a threatening letter that if I do not pay they will report to credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: CAINE & WEINER COMPANY, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Ref case # XXXX Companies response says 60 days to investigate. Unacceptable. It's been over 60 days. Both companies has had ample time to provide the requirements of this complaint and correct this matter violating FCRA Section 623 ( a ) ( 1 ) ( B ) and 15 USC 1681 ( A ) ( i )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX after being alerted to a collection account added to all 3 credit bureaus, Midland was  sent a dispute and validation request for the alleged debt. In XX/XX/XXXX the attached response was received. As you can see Midland has failed to validate the alleged debt with the requested contract signed by alleged debtor that outlines obligation to pay original creditor and/or Midland, requested contract between original creditor and Midland allowing them to collect on this alleged debt, requested signed receipts linking credit account to alleged debtor as this is appears to be a credit card debt, or requested detailed billing history to prove amounts owed on the alleged debt especially considering that the statement that was provided does not explain how an alleged credit line of {$400.00} turned into an amount owed of {$810.00}. With the information that is present on the statement provided, it appears Midland is attempting to collect an invalid amount for this alleged debt. I am further concerned that Midland may be reporting invalid information as they allege the debt was charged off XX/XX/XXXX which appears to conflict with the statement due date of XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief