BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-09
Company: Thaxton Investment Corporation
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
yes I had purchase a vehicle through heights financial services and after I purchase the vehicle I was making payments fell out of out of work got laid off due to covid fell behind in payments they close the account out because I fell so far behind but yet every month they're still adding money out on a closed out account how can that be you're not if you close out account it's closed out it's not supposed to change I mean but every month they're adding XXXX XXXX XXXX dollars to the account but yet it's a charge off and it's closed out if it's a charge off enclosed out it's not supposed to increase in price and it was no revolving loan to start with it had to fix interest rate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In response to my complaint, the documents attached by collection agency ( Reference number : XXXX of identification number XXXX of Portfolio Collection service- the document submitted for validation did not describe the details about specific products or services they claim that I purchased. The claim of cash withdrawal in this new document is not submitted with proper identification on what day and what place this transaction was done? 

In earlier validation the document submitted, this claim of cash withdrawal was not reported when I requested for full validation of the claimed debt. Furthermore, there is no direct communication from the original creditor regarding the charges claimed by the collection agency. The fraud complaint form from the collection agency can only be used after through validation is completed establishing about the claim by Portfolio.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-10
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Before I purchased my new home I had purchased my own homeowners insurance on the new property that I purchased. This was presented to the mortgage company and accepted. On top of my monthly payments each month theres a impound account that I pay approx 3,000 additional each month. Since the inception of my loan the mortgage company keep on placing lender placed insurance on my property and deducting funds without my consent from the escrow account. The money they are deducting is XXXX times what I pay for insurance and I dont and have never needed it since I have my own. I have called and emailed time after time and continuously get the run around. Finally they acknowledged to my mortgage broker that this was happening did a partial reimbursement, however they started debiting again 3 months later. I have all the emails to them, call log, and a email for them stating this would be fixed and it never was. I have waisted countless hours on this. On top of it they have the audacity to charge me late fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Received a surprise statement dated XX/XX/XXXX that our monthly payment is late. Checked my XXXX XXXX XXXX and amount for XXXX was deducted from billpay. Upon calling UWM, they said payment was not received. 

So was advised by customer service to get a transmittal report from bank. According to bank, UWM does not have electronic bank in, and hence a check had to be mailed to them. And therefore, the bank can not send them a transmittal report but instead, has sent a letter of good faith. 

Read a number of complains that their automatic payment is not smooth either, involving multiple complications. So I am not doing it. 

I have since made four payments in total to them via XXXX XXXX XXXXXXXX Billpay. In the mean time, I kept getting harassing calls and voicemails reminders that they are collecting a debt. 

When speaking to them, no one seems to be able to put an end to why the XXXX check was returned, snowballing the issue. Why it has taken so long to receive payments when my payments have been always timely prior to XXXX. 

Received another statement today in the mail with notifications of late payments for XXXX with words that menacingly threaten " failure to bring loan current may result in fees and foreclosure- the loss of your home ''. 

I have made an appointment with the bank tomorrow to see what is going on with my payments. According to my bank app, the payments have left my account on XX/XX/XXXX. 

Please investigate this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: TRANSWORLD SYSTEMS INC
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have received only a couple of calls from Transworld Systems claiming I owe money. {$99.00}. I have asked them to send me the actual bill or have the original company call me. No one can seem to prove to me beyond a reasonable doubt that I owe this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Am a victim of identity theft I was looking over my credit report and saw some accounts wasnt mine XXXX XXXX XXXX  account XXXX and XXXX XXXX XXXX account number XXXX. 15 U.S.C 1681 section 604 A section 2 the law clearly states a consumer reporting agency can not furnish a account without my written instruction.I havent given these accounts written permission to furnish these accounts on my credit report

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 2023-10-23
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hello, American Express has charged me {$29.00} late fee ( XX/XX/2023 ) and {$28.00} interest fee ( XXXX XXXX 2023 ). 

I contacted amex through their XXXX app chat feature and asked why these charges were placed. They told me that I was late on a payment, saying the payment is due on the XXXX of the month. I told them that I paid on the XXXX through my amex app. I asked them to waive the fees, mentioning that this was my first time receiving interest and late fees after about 2 years of using their card. 

They submitted a form internally to waive the fee twice and told me my waiver application was rejected. 
I've asked them to tell me the mailing address for amex so that I can send them a letter for a formal inquiring ( know that by law there are required to provide a response ). They refused to give me an physical address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: EQUIFAX, 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:
I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: iQuantified Management Services, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2019 - XXXX XXXX  performed by XXXX XXXX XXXX at XXXX XXXX XXXX XXXX. 
XX/XX/2019 - Received the FIRST and ONLY bill from XXXX XXXX XXXX XXXX for {$230.00} XX/XX/2019 - Paid bill online with Visa Credit Card XX/XX/2019 - Received Voice Mail from Quantified Management Services about collecting an unpaid debt. 
XX/XX/2019 - Received second Voice Mail from Quantified Management Services about collecting an unpaid debt. 

XX/XX/2019 - Returned call to Quantified Management Services and inquired about the debt they are trying to collect on, and who the company was that I owed the debt to. 
They informed me it was for XXXX XXXX XXXX XXXX. I attempted to inform them I had no outstanding debts with XXXX XXXX XXXX XXXX but the individual on the other end would hear none of it and disconnected the call. 

XX/XX/2019 - Called the Billing Dept at XXXX XXXX XXXX XXXX. Spoke with  XXXX. She informed me that the bill showed " paid '' as of XX/XX/XXXX. I informed her that I paid online with a credit card on XX/XX/2019, and also that I checked my Visa Credit Card Statement and it shows a posted date of XX/XX/2019. She informed me that the bill was 90-days over due and that was why it was sent to the Collection Service agency hired by XXXX XXXX XXXX XXXX. I informed her that I received the bill on " XX/XX/2019 '' and that the statement date shown on the bill is " XX/XX/2019. '' Therefore, how could this bill be 90-days overdue, especially when I paid it within 10 days of receiving it? She surmised it was because their billing dept was waiting for my insurance to pay their share of the bill and it went past the 90-days and thus triggered the collection agency into collecting a debt past 90 days. So why am I being penalized for their shortcomings in their billing dept.? XXXX XXXX XXXX XXXX obviously has internal problems with the procedures they follow for their billing protocols. XXXX said she would notify Quantified Mgmt Services that the bill was paid and I should not be getting any more calls from their collection dept. 

XX/XX/2019 - Received yet another follow up correspondence via usps from Quantified Mgmt Services dated XX/XX/2019 attempting to collect on this same debt of {$230.00}. 

XX/XX/2019 - Wrote a complaint letter to XXXX XXXX, the Administrator for XXXX XXXX XXXX detailing the harassment I have been receiving from Quantified Mgmt Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I contacted XXXX and notified them I no longer wanted this account. Apparently, the account wasn't actually closed and the annual fee was billed in error. I was contacted by XXXX 's collection department stating I was past due. Fortunately, the phone rep corrected the issue by refunding the fees and closing the account but I now see they have reported my account 90 days past due which dropped my credit scores XXXX points.

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 2023-03-15
Company: JPMORGAN CHASE & CO.
State: TX
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I called Chase on XX/XX/XXXX to inquire about some bonus miles that were going to be deposited to my account that I wanted to use to book a flight. I was told by the Chase customer service representative they would be deposited after XXXX when the billing cycle closes, and she directed me to go ahead and book the flight, and then after XXXX I would be able to see the miles in my ( Chase ) account, and I could apply them as a statement credit to cover the cost of the flight. So, I booked the flight. The following day I logged into my Chase account to apply the miles, but I wasn't able to figure out how. I called Chase and the customer service representative informed me that was not an option at all. I was distraught. That rep directed me to call United to see what they could do. I called United and was told I should cancel the flight and submit a claim to be refunded. I did so, but the ticket I purchased was non-refundable and the claim was denied. I disputed this with Chase immediately because I wouldn't have made the purchase if a representative of their company hadn't directed me to do so. I am being charged for a flight I never took because I was given bad information. Chase denied the claim, and I asked them to re-open in XX/XX/XXXX and to review the call I made on XX/XX/XXXX, which would confirm what I was saying. In XXXX I spoke with a manager who told me they reviewed the call and wouldn't release that information to me. I've been through multiple cycles of having to write a letter to have this reviewed, and receiving no correspondence from Chase for months ( almost a year ), then the charges are back on my statement, and I have to start over. I would like the charge refunded so I can close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In XX/XX/2021, I agreed to lease a vehicle through XXXX XXXX of XXXX GA where I authorized the dealership to pull my credit report for the purposes of fulfilling the lease agreement. The dealership had several issues with completing their end of the lease agreement and supplying a vehicle that was contractually agreed to. When they were unable to fulfill their end of the agreement with an existing vehicle, they had to order a new vehicle from the factory. Once the new vehicle was on the lot, I was preparing to go exchange vehicles and I received an alert that my credit report had been pulled again, this time WITHOUT my written or expressed consent. This happened today XXXX XX/XX/XXXX ). This is improper use and unauthorized access to my credit file. I explicitly expressed my concerns to the dealership and have received no response as of yet. I have notified them that I was filing an official complaint with the CFPB for this unlawful practice.

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 2023-03-15
Company: Experian Information Solutions Inc.
State: CA
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  Account # XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. 


I understand that undeXXXX 15 U.S.C. Sec. 1681a ( 2 ) Exclusions. the term consumer report does not include, any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 


I also understand that a reinvestation of this report must be made within 30 days of recipet of this letter- 15 U.S.C . Sec. 1681a ( e ), The term investigative consumer report means aconsumer report or portion thereof in which information on aconsumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of theconsumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of theconsumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 


Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this Matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-11
Company: EQUIFAX, INC.
State: NC
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 ( FCRA ) -- XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX have violated my consumer rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 ( FCRA ) -- XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX have violated my consumer rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2021-01-28
Company: Comerica
State: WV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
My name is XXXX XXXX.This is either against XXXX or Direct Express Debit MasterCard ... 
On XX/XX/20 there were 4- {$100.00} transactions on my Direct Express card from XXXX totalling {$400.00}. Luckily I noticed it the same day. When I called XXXX, it was like they were protecting whoever committed identity theft & fraud! They could refund {$200.00} only because the other {$200.00} had been used, sent, something & they couldnt give me the information for the persons responsible. They could confirm or deny if I somehow guessed the email! What?! I don't even have XXXX products or have an ID. I use XXXX. Long story short-contact my bank. I did have email from XXXX admitting to it. Now ... 
Direct Express made me wait over 80 days for them to issue the provisional credit due 10 days after only to take it back 2 days later! I went in the hole therefore paying it the first of the month. It was XX/XX/20 & few days before. After all of this they decided since XXXX is now claiming no responsibility, they won't give it to me either! 
I've tried to contact XXXX again with no results. Why do I have to be punished for being a victim of fraud?! Please help. I'm on SSI & I'm not able to handle out {$200.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-23
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
[ 15 U.S.C. 1681 ] ( 1 ) The banking system is dependent upon fair and accurate credit report- ing XXXX Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

Company response to consumer: Closed with explanation