BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Information is incorrect

Complaint:
On XX/XX/2018 Transunion launched an investigation into this collection account which was found not to be mines and they deleted. The item on XX/XX/2018. I applied for a place on XX/XX/2018 and was denied because of this collection that was deleted. I called TransUnion report screening who handles rental and background checks. They stated I needed to call the Transunion credit bureau which I did and they assured me that the item was not there and that they didnt see an inquiry from this company.

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 2018-12-11
Company: WLCC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Awhile back I obtained a online payday loan. With a myriad of papers to sign and in a act of desperation i did not read everything and signed. Out of no-where i receive a wage garnishment paperwork in the mail and my pay stub for the current pay period and has already began taking money from my paycheck without a court order.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: Direct Recovery Services, LLC
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted Direct Recovery Services and told that I owe {$380.00} for a past balance to XXXX. While I do remember doing business with XXXX at one point, the amount of money that I owed on that account was {$110.00} according to my records. I am writing a letter to Direct Recovery Services and disputing this amount. I am also placing a complaint with the CFPB because I know that XXXX was involved in Payday Loan Scams. I believe that this is one such scam and I am reporting this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 sent a request to all XXXX credit bureaus to remove the tax liens currently on my credit report because they do not meet the criteria to be posted on my credit reports since the reporting agencies updated their policies regarding The minimum information needed for a tax lien to be included on a credit report on XXXX XXXX 2017. Trans-Union and XXXX  both came back that the information on the tax liens was " updated '' and still remained on my credit report while XXXX found that there was not sufficient enough information for the Liens to remain on my credit and it was removed. If XXXX found that there was not enough information from The courts where the Liens were filed, then there is no reason why transunion and XXXX seem to think there is enough information given the information comes directly from the same court No matter which agency was To look at the information. Instead the third party who reported the Lien to XXXX and Trans-union just updated the information I provided to prove their was n't enough information in their own system and sent it back saying the data was " updated '' this is illegal and the information needs to be checked against the court record from the court system only.

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 2020-08-23
Company: JPMORGAN CHASE & CO.
State: IN
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 have filed disputes in regards to the incorrect items on my credit report. It has been well over thirty days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: EQUIFAX, INC.
State: TN
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:
Yes I had a Joint Auto Loan through XXXX XXXX XXXX that was opened in XX/XX/XXXX. The car was stolen in XX/XX/XXXX and the account became delinquent. When I reached out to XXXX XXXX in regards to the account they stated that the account was closed but it still actively shows as Open on me and my wife credit reports, It reports every month as Late. The account original balance was {$10000.00}. I have settled the account with XXXX XXXX as agreed with the creditor for {$2000.00}. But the Creditor is still reporting the account as open and late which is really hurting me and my wife credit. I have also Reached out to all three Bureaus ( XXXX, XXXX, and Equifax ) to have them investigate the account to correct the errors but they keep stating that it was verified as accurate which is not accurate. I ask that this issue be rectified as this is the only account on my report that is hindering me from moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXX  and Transunion should not be reporting a collection/chargeoff or ( XXXX   ) days late on the XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) I have been faithfully paying on this account every month for years to XXXX. I was not aware that this account was reporting derogatory information until I recently obtained a copy of my credit report. I was never notified by XXXX that this account had been sold to another lender. It is clear that the new company who purchased this student loan debt was not applying the payments I was making monthly to XXXX. I have attached a copy of my statements showing my timely monthly payments. Consequently, because my monthly payments were not being applied correctly, this has caused the derogatory reporting on my credit report. I have contacted XXXX along with the bureaus to remove the collection/chargeoff and lates however, I have not been successful. This false reporting is seriously harming my credit score and this line item needs to be removed from 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 explanation
Consumer complaint received 2018-12-12
Company: PHH Mortgage Services Corporation
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PHH Mortgage is charging us a late fee and saying we didn't pay mortgage for XX/XX/2018. 
We did pay. We always pay on time. We have bank statements that prove PHH Mortgage cashed our checks on time. The company is refusing to answer the phone or give us a live person to talk to. This is the second time they have done this to us among many, many other things. They lost our payment last year and we had to go through a big ordeal and have our bank call them to clear it up. It was long, drawn out, and ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: Selene Finance LP
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Real Estate illegal Foreclosure ( s ) : There are illegal Deed of Trust conveyance activities between XXXX XXXX, XXXX, XXXX and Selene Finance leading to the foreclosure sale date ( XX/XX/18 ) of my property. XXXX XXXX, my 3rd party user, submitted ( see attachment ) my " Consumer Complaint Form '' to the Office of the Commissioner of Financial Regulation, Consumer Services Unit, on my behalf. My issue is MUCH MORE worse than the XXXX XXXX {$140.00} million fake account settlement this activity must be stopped is in the billions in restitution, fines, penalties, etc. a class-action lawsuit -- PLEASE HELP PLEASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX company has been trying to collect a debt on behalf of American Express. They call at least 9 times a day. 4-5 times on my home phone and 4-5 times on my cell phone. They call before XXXX XXXX  and after XXXX XXXX. They call on weekends and holidays. They called at XXXX XXXX  on XXXX XXXX XXXX. I have asked them to stop calling me, that I have disputed the amount of the debt, that I worked it out with Amex and am on a payment plan and they do not stop calling. The last person to call was XXXX XXXX. She refused to listen to me in any way. The men who call are abusive and shout at me. As soon as I block one number, they call from another number. This is so abusive. This needs to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-12
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I had a my Best Buy Visa through Citi and it expired on in XX/XX/2018. When I logged onto my account it stated that there was a document for me to review ( I am attaching it to this complaint ). The letter states " We appreciate your business as a My Best Buy Visa Platinum customer. Unfortunately, as the result of a recent review of your account, we regret to inform you that your My Best Buy Visa Platinum account will not be renewed beyond the expiration date on your credit card. '' It also states the the account is in default. So the bank expects me to pay the charges and will continue to charge me interest at a rate of 26.99 % on a card that I can no longer use.

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 2018-12-12
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am XXXX years old. I applied for a reverse mortgage with Wells Fargo Bank and they approved me. Shortly before closing they informed me they were getting out of the reverse mortgage business. I went on the open market and got approved again. Wells Fargo would not give a proper payoff amount and the reverse mortgage did not close. I applied and was approved by 2 other companies and again was not able to close due to a dispute over the amount owed.

I have applied for loan modifications on 8 times only to be denied. I have tried everything to save my home to no avail. I even sued Wells Fargo and the case went all the way to the U.S. Supreme Court, Washington, D.C. 
I simple want a reverse mortgage and to stay in my home. 
My loan # with Wells Fargo is 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 2020-08-23
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a credit card called " Care Credit '' from Synchrony Bank. ending in XXXX. I was affected by COVID-19 badly and called the credit card company to see what relief I can get. My card balance was on a zero interest rates due to promotions. I had six purchases on my card total. The 1st 0 % promotion was to expire XX/XX/XXXX This balance was {$710.00}. 
On XX/XX/XXXX I called company and spoke with representative XXXX. Very professional and caring. She did 3 things for my account because I was affected by covid 19. ( 1 ) She waived my monthly balance, ( 2 )  she stated if I pay my overdue promotion amount {$710.00} by next month they will remove the finance charge of {$440.00}. ( 3 ) she also stated 3 of my zero % purchases will expire soon on XX/XX/XXXX, XXXX so she will extend its due date out to XX/XX/XXXX. Number 1 and 2 above was done successfully. The problem is number ( 3 ). My balance on my card should be {$5200.00}. When I checked the card i was charged {$760.00} interest for the 3 promotions that was due in XXXX but XXXX extended out to XXXX and then I was Charged finance charges for that amount of {$71.00}. I called company and spoke to representative XXXX on XX/XX/XXXX who stated give them 3 days to review the telephone call. I called a week later and spoke with supervisor XXXX XXXX who stated no it takes 3o days to review phone conversations not 3. I called back and spoke with supervisor XXXX, then representative name XXXX and all read the notes and see that the recordings revealed XXXX stating the promotion will be extended to XX/XX/XXXX. My question remains so if this promotion was extended why am I being charged the {$760.00} in interest and then finance charges for XXXX of {$71.00} ( which will inncur interest every month ) and my mininmum balance due amount is being increased and higher. THIS IS FRAUD. 
I owe {$5200.00} they added on {$760.00} + {$71.00} now my balance is {$6100.00}. On XX/XX/XXXX I spoke with manager XXXX in the collection unit he just transferred me to a rep. name XXXX who stated she understood what I was s aying and could not understand either why I was being charged upfront for finace fees on interest that is prematurely being added to account before the due date of my promotion. I believe they are taking advantage of consumers during this pandemic. They keep transferring me and not assisting me when I call. I waited over one hour and the phone just disconnected i never heard from the credit card company.

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 2018-12-12
Company: Amsher Collection Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2018 Asher collection services inc XXXX open charge is XXXX this debt appeared on my XXXX  XXXX  and debt was solved over two years ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30
Company: Santander Consumer USA Holdings Inc.
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have sent several disputes to resolve issue. The car was a repo the company never sent a bill of sale nor notified me when the car was sold.XXXX  XXXX charged interest for the remaining of the loan after the car was sold which is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: Century First Credit Solutions
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I Did sign up with XXXX XXXX XXXX in 2015 for my debt settlement and they assure me that they will settle my two credit card acc but after two years now they did n't settle any acc rather they withdraw almost 19000 $ out of my trust acc from XXXX XXXX XXXX acc no XXXX without any work done. without a settlement and now when I ask them they said we will get a settlement but now I want my money back as they took all my money without doing any thing its total fraud. and they refuse to refund my money 1. I paid XXXX every month 2. FILE NO : -XXXX 3.Paid till now XXXX {$4.00} they withdraw XXXX out of my trust acc which was with XXXX acc no XXXX so by contract they will keep all money in trust acc till settlement done but they didnt do any settlement and took my money from XXXX XXXX thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Hello. My name is XXXX. And this is my third attempt to obtain my credit report from Trans Union to no avail. I have uploaded a screenshot of my last attempt. I am using the XXXX in hopes of obtaining my consumer report from Transunion.

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 2018-12-12
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have called Experian 3 times today is impossible to speak a live agent Company has 4 options non of them applies to my question On the company contact is no customer service email for contact or contact form for my request My request to Experian, is the following I want to know about a credit card that is affecting me and need proof of credit card.

Please get back to me soon as I need this information withing 7 business days from Experian via email 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 2018-04-24
Company: SYNCHRONY FINANCIAL
State: AR
Product: Credit card or prepaid card
Sub-product: Store credit 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 opened an XXXX XXXX XXXX in XXXX which included a trial of XXXX XXXX for 30 days, beginning on XXXX XXXX. On XXXX XXXX I was charged {$11.00}, on XXXX XXXX {$11.00}, and on XXXX XXXX {$12.00} for a total of {$35.00} for XXXX XXXX. I was not sure how to cancel this membership which I did not need, want or use, so I sent them an online message on XXXX XXXX and asked them to credit back the charges. On XX/XX/XXXX they sent me about 34 pages of documentation, much of it repetitious, supporting the charges they had made. I sent them another message explaining that I had not used the service during the 3 months I was charged and asked again for credit. They replied that I should call them, which I did on XX/XX/XXXX. When I called them, the service rep would not discuss anything about the dispute, but told me that the dispute was still ongoing for another 30 days. Meanwhile, I was charged interest of {$1.00} on XX/XX/XXXX and sent another online message disputing that charge. They did refund the interest on XXXX, but then charged it again on XX/XX/XXXX. When I disputed the 2nd interest charge, they told me the case was closed and they would not refund the interest. I was never allowed a chance to discuss the issue on the phone or furnish them with evidence that although I was charged for 3 months of XXXX Membership, I never used the service. I have attached proof in the attached emails that I never used the membership.

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 2018-12-12
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I was systematically and illegally mislead at every stage of repayment options of several student loans given to me by navient while i was unemployed. It's mathematically impossible for me to pay these several loans back in this lifetime. It has ruined my credit and life since XX/XX/2009. I tried to Income based pay back just to help my credit for 5 years and my debt has gone up. I was just paying interest they said. Please Help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: CCS Financial Services, 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:
A little less than 60 days ago I reached out the credit bureaus to inform them of my recent encounter of being a victim of identity theft. Repot number # XXXX which included several accounts including Credit Collection # XXXX and Access credit # XXXX. These accounts are still appearing on my credit file after these agencies have been notified by me as well as the bureaus. I never received any services or goods in relation from neither of these accounts and they were established from the direct result of identity fraud. It has been more than 30 days and no accurate verification has been made as per the Fair Credit Reporting Act nor the Fair Debt Collection Practice Act. I am familiar with the Health Insurance and Portability Act and its regulations protecting the privacy and security of certain medical information. My consumer rights continue to be violated as well my denial of future credit lines. I find this unacceptable.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: CORELOGIC INC
State: NJ
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:
XX/XX/2021 company name XXXX XXXX  runs credit XX/XX/2021 company name XXXX XXXX. XXXX. Run credit too same day XX/XX/2021 company name Credco company that run credit to lender I cant believe runs 3 credit reports in one day which created 3 hard inquiries I will need to be remove from my credit report thanks

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