BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I traded in my XXXX XXXX XXXX to XXXX for a XXXX XXXX XXXX. The dealer said to not make my final payment due to me trading the car in and that they would receive the payoff the next business day. Short story is my payoff for the XXXX got to XXXX XXXX ONE day late. They reported this to the bureau and will not remove it. I'm in the process of trying to buy a house as a first time buyer and this is reflecting in a negative light with lenders. ONE DAY. I've called XXXX XXXX and they say nothing can be done is what it is and offer no help what so ever. I've contacted to dealership where I leased my XXXX and all they say is sorry it got there a day late.

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 2018-10-09
Company: Specialized Loan Servicing Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My problems began XX/XX/XXXX, when my spouse and I began separation which led to a divorce, in addition to the divorce then I have been unemployed on and off from XX/XX/XXXX through XX/XX/XXXX. I also have taken my mother in with XXXX XXXX XXXX XXXX to assist in her rehabilitation and getting her into remission. 

I took employment positions to fulfill my responsibilities, but they were either not stable or enough wages to cover my expenses. It was barely enough the last 18 months to keep food on the table for my XXXX children and mother, utilities, etc. 

In addition to the financial hardship ( severe decrease in income, illness and divorce ). I went to a recommended financial management company ( XXXX XXXX ) that was supposed to help in the assistance of applying for a home loan modification. I was charged {$2400.00} for the service which he failed to complete or give proper notification regarding paperwork, etc. During that time, I was trying to re-coupe my funds since he did not fulfill my request. 

To date, I have not seen any information from him, except to apply again and to send additional last payment for the service. I choose not to for the reasons of being scammed and that I learned you should not trust anyone charging for this service. 

Since then, I did my own research to find out how to resolve this matter on my own. I found an organization called the Fair Housing agency and made an appointment in XX/XX/XXXX to meet with a counselor to assist with what my options where at this time I was told about the HUD programs/grants. 

I filed my application XX/XX/XXXX way before the 37 days deadline and was assigned a counselor from XXXX XXXX ( XXXX XXXX ). This person never contacted or returned any of my attempts to schedule the appointment to submit the follow up requirements/paperwork. This then brought me to the point of escalation to the state of NJ. In return I was able to contact someone from the State of NJ XXXX XXXX. She not only reassigned my application to a new counselor but also a new agency NJ XXXX XXXX. 

Due to the XXXX XXXX not handling my urgent matter timely this is another reason why I am so close to the sale date and need to have it postponed until the remainder of the grant process is completed. I met all the criterias and with great hopes will be approved for the XXXX   grant from the State of NJ. 

As of Friday 's mail, XX/XX/XXXX, I received a denial letter letter from SLS regarding the RMA. This letter is stating I am denied due to the less then 37 days till the date of foreclosure. Please note I will be asking for the adjournment on XX/XX/XXXX ( which will be more then 37 days until the new sale date ). 

Today XX/XX/XXXX, I sent another email requesting an adjournment and RMA. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
After reviewing Experian credit bureaus. According to account XXXX XXXX continues to furnish a series of accounts which includes negative reporting in continuation of depleting creditworthiness along with possibilities of extending lines of credit. Accounts display no payment history, nor updated 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
Consumer complaint received 2018-01-23
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have a title loan with XXXX XXXX and I have been trying to pay it off by making larger payments. They way they structure their loans and limit your payment options it is almost impossible to pay off the loan. I borrowed around XXXX a year ago, and so far have paid well over XXXX to them- but my balance is still over {$3000.00} I cant even give actual amounts, because their customer dashboard only lets you see what payments you made, not the balance owed. 

This month, I paid them {$1000.00} to get the loan up to date because they said I was behind a payment. The next week I wanted to pay {$600.00} toward the principal. I called them, abd they said I couldnt do it online, or on the phone because they can only take 2 payments a month that way, and since my last payment was XXXX they were counting that as two payments. They made me go through XXXX XXXX ( which charged a hefty fee for payment ). 

Today I looked at my account, and even though I called them in advance, and marked on the payment through money gram that it was to be applied to the principal- they applied it toward my next payments due ( on XX/XX/18, and XX/XX/18 ) which means that most of it again went toward interest. They now show me having a next payment due in XX/XX/2018. 

I cant see how I will ever be able to pay off this loan, if every payment made gets applied to future payments. They are taking interest they are not entitled to take, and keeping me in debt by refusing to allow me to pay off this loan.

I would like someone st the CFPB to review my case and see where this has happened, and how much I should really owe at this point so I can get this paid off. I am not rich, and I have to sacrifice in other areas to make these additional payments. I deserve for my extra payments to be used to pay off the loan. 

There are many others who have similar complaints. I would like the CFPB to look into loan marts practices, and force them to work with consumers to reduce the balance on their loans when additional payments are paid, and to be more transparent in displaying the loan balance. I shouldnt have to call each time to ask for the balance on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I have been using the American Express Serve card for several years. On Thursday XX/XX/XXXX I received an email that my account was suspended indefinitely. The only explanation I received was I violated one of their terms under section 15d. I had a substantial amount of money in that account. In the last week I have called customer service ( with hours of wait times ) to be told they cant see anything and dont know why it was closed. They informed me to mail a letter to a PO Box in Georgia ( which I did and was received on XXXX ) I emailed corporate offices through Amex and was finally told the company XXXX would not clarify to them why it was closed. I have also filed a complaint to the XXXX  XXXX  XXXX. My next step is a lawyer. This is outright robbery and complete unethical banking. I want my balance mailed to me in a check. That is my money to live on!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
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: Investigation took more than 30 days

Complaint:
ACCOUNTS > XXXX XXXX XXXX XXXX | XXXX This account does not belong to me. 

+ Associate NEGATIVE INFORMATION > COLLECTION XXXX XXXX XXXX | XXXX This collection does not belong to me. 

+ Associate XXXX XXXX XXXX XXXX XXXX This collection does not belong to me. 

+ 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 2021-01-22
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX file a suit XX/XX/XXXX for which I hired a lawyer but they continue to call several times a day for a whole year now, even after they were notified of my legal representation. They purchase a credit card from synchroni bank that supposed to be close. Yet I got no chance to dispute and they added interest for about a year. Attended court I had no prove of payment since it happened in XXXX and I had closed the accounts I paid with, judge ruled against me, yet they still calling my cell phone. I have a XXXX child, still they harassed me constantly, during doctors appointments, hospitals visit or clinic treatments or therapy. They wont identify themselves as debt collectors and say it is a personal business matter or the representative just says their name as is a personal call, they even called my daughters cell, who is a minor to ask her where I can be reached, when would I be available, etc. One thing struck me is the day of the trial, pretty much every one there had a case against XXXX XXXX XXXX. It seems to me that they all were Encouraged to settle. Some people didnt even got notice, I got my notice less than two weeks from trial and it is supposed to be at least 45 days. So I did not had much time to prepare since my son had been sick all week with XXXX XXXX and XXXX 
I had other credit cards before that I had paid and closed. But never had to fight with a company to close my account. Still they left it open so it could accrue interest, because I told them I can access the credit card, I could not use it in the store or pay any balance. I had to call the credit card customer service to make the last payment to closed the card but it never happened. I had tried disputing it but paperwork was never file.it was all done by phone. Currently I am considering filing for bankruptcy ... once I paid for my house I have all this creditors calling me with any debt I ever had as old as twenty years old. XXXX XXXX XXXX had also called with a debt from a XXXX XXXX credit card that I had over ten years ago, that cant possibly be legal.

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 2017-09-15
Company: NCC Business Services, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I went to XXXX XXXX and was told i was being charged for 3 months rent for months i did not live there i gave them a 30 days notice in XXXX 2014 and returned my door keys in XXXX. I never signed anything renewing my lease. The lady in the rental office told me there was nothing she could do because it was a different manager at the time and to dispute it with the collection agency. I have done that but have n't received anything in response other than its being reported as a closed derogatory account. I 'm willing to pay what I owe so that I can rent a new apartment.I will not pay for something and I did not live there nor did I ever have to pay rent when i did live there. I have contacted the collection agency numerous times only to be told i have n't disputed or they have n't received anything from me. I 'm XXXX XXXX XXXX and this is holding me back from renting an apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: Ocwen Financial Corporation
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 am on a mortgage loan with my ex-husband on a home that we bought when we were married. He lives in the home now and makes the mortgage payments. I am not involved financially at all. The mortgage company changed his payment from {$850.00} to {$870.00} in XX/XX/2018. Since his payments of {$850.00} a month were being debited automatically, he was not aware of the {$20.00} increase per month. By XX/XX/XXXX/XX/XX/XXXX he was about {$130.00} behind on his payments, not nearly an entire month late. The mortgage company proceeded to report both of us to the credit bureaus as 30+ days late. My score dropped nearly 100 points. I have been working for 20 years to get my credit score close to 800 and now it is ruined. I have sent a letter to the mortgage company explaining all of this and they have not responded. I need assistance with reversing the negative information on my credit report AND removing myself from the mortgage all together. The account has been brought up to date in the meantime. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 filed a police report for identity theft because there were items reporting to my credit report that were not mine and illegally opened under my name and reporting. I sent my dispute letter out with the police report and they have still not removed these items.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: American Collection Services, Inc. (OK, TX)
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Called American Collection Services on XX/XX/18 at ~XXXX CST to inquire about a debt letter they sent and their rep indicated that the collection was already reported on my credit and would continue to negatively affect me. When I questioned the validity of this statement, she back tracked and denied ever giving this advice. I immediately asked to speak to a supervisor and she said one was not available. I hung up the phone and called back and had another rep route me to supervisor XXXX XXXX, who was actually available. XXXX seemed less than interested in resolving the issue, mentioning that he was too busy to review the recording. Mentioned he would have another manager call me back, but seemed unlikely at that point. This debt service company is allowing their reps to give legal advice when collecting debt and needs to be reprimanded to correct the culture that seems to come from the top.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
First, I would like to state that I made the same complaint ( XXXX ) recently about XXXX XXXX XXXX, however ; my comment was sent to XXXX XXXX XXXX not XXXX. Please send to XXXX XXXX XXXX, as they own the loan. XXXX XXXX XXXX continually raised the interest rate on a loan I was paying every month, making my monthly payments unaffordable. I was, at the time, paying at least {$75.00} more than the minimum payment due in an effort to decrease my principal amoubt and XXXX increased my interest rate 9 times in a single year. When i contacted the administrator XXXX, they told me that there was no option of repayment negotiation or payment plan via XXXX and I had to keep paying. My monthly payment is {$200.00} per month minimum ; that is ridiculously unaffordable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: EQUIFAX, INC.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX/XXXX  XXXX {$940.00} XXXX XXXX XXXX {$71.00} XXXX XXXX XXXX {$680.00} XXXX XXXX  XXXX {$140.00} XXXX XXXX XXXX {$110.00} XXXX   XXXX  XXXX {$19000.00} XXXX  XXXX {$12000.00} XXXX  XXXX  XXXX {$610.00} XXXX  XXXX XXXX {$1100.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Closing Bank info/relationship : XXXX XXXX  CREDIT CARD openedXX/XX/XXXX limit {$27000.00} BUSINESS INK CARD opened XX/XX/XXXX limit {$15000.00} paid in full and closed it reopened XX/XX/XXXX limit {$20000.00} PERSONAL CHECKING opened XX/XX/XXXX PERSONAL SAVINGS opened XX/XX/XXXX BUSINESS CHECKING opened XX/XX/XXXX BUSINESS SAVINGS openedXX/XX/XXXX All in good standings Shutdown all accounts was told they were terminating relationship and closing all accounts no further explaination available Tried calling customer service and given another number to call. Called that number and was told company policy is no reason needed to be given. Asked if can speak to someone to help and keep accounts opened was told could not. XXXX  SCORE Personal Info : XXXX : 750 # of credit lines opened in last 12 months across all banks / total credit lines : 3 Overall utilization across all credit cards as currently reported to the credit bureau : 10 % Total Percentage of CL to Income at the bank that shut you down : 18 % { Optional } Total debt ( student loans, mortgage, personal loans, etc. ) :11k MS Activity : 0 List all methods of MS used : None List volume of MS in the last 30 / 90 / 180 days : None Do you cycle your credit limits? No Have you deposited money orders into a bank account that you have with the bank who shut you down : No How do you usually pay your credit card bill? Online banking Have you changed the method by which you do so recently? No Ratio or percentage of MS compared to organic : 5 % Spending Behavior / 'Consumer Profile ' : How much organic spend were you putting on cards issued by the bank who shut you down?

I dont even know what that means but I just shop normally and only use my credit cards as needed or big purchases.

Have you ever sold the bank 's points to someone else? No Have you filed multiple chargebacks with the bank in the past 12 months? No Has this bank ever taken adverse action against you before? No Has any other bank? No Have you in recent history significantly increased or decreased either the level of your organic spend or MS ? No Do you have any new derogatory marks on your credit report? No Are you sure? Yes Have you checked since you were shut down? Yes

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: EQUIFAX, INC.
State: NJ
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:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

Company response to consumer: Closed with non-monetary relief