BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
UNDER FDCPA SECTION 807 ( 8 ) BANK OF AMERICA , NATIONAL ASSOCIATION REPRESENTED BY XXXX XXXX ( SENIOR RESOLUTION AGENT IN NORTH CAROLINA. ) HAVE FAILED TO REPORT A DISPUTED DEBT TO THE CREDIT BUREUS, YET CONTINUE TO HAVE AN UNJUSTIFIABLE LIEN ON MY PROPERTY XXXX XXXX XXXX, XXXX, PA 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 2020-10-08
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: WA
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:
During a background check for a future apartment, several accounts showed up saying I owed money and had about 7 accounts in collection, but I have paid everything off threw the company directly over a week ago. It is inaccurate and harmful.

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 2017-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 traded my XXXX XXXX in for a XXXX XXXX on X/XX/2017. XXXX told me that they would pay the last XXXX remaining payments on the XXXX XXXX. I received a bill in XX/XX/XXXX for the XXXX XXXX. I called XXXX XXXX and XXXX. They told me not to worry that they were handling it and that it would n't show up as a late payment on my credit report. I then received another bill from XXXX XXXX in XXXX, 2017. This time I drove down to the dealership ( XXXX ) and spoke with accounting. I also called XXXX XXXX. I was told that they were n't sure what happened, but apparently they had some type of accounting error. I was again reassured that my credit would n't be affected. My wife checked my credit report and saw that XXXX XXXX did in fact report a late payment for XXXX, 2017 and XXXX, 2017 to TransUnion as well as XXXX. I drove directly to the dealership and was told they would handle it. Finally, after two months ( XXXX, 2017 ) they cut me a check, in which I turned around and paid XXXX XXXX that very minute. I called XXXX XXXX XXXX different times speaking with XXXX and then again a XXXX requesting a letter showing the mistake made on their part and requesting that they notify the credit reporting agencies correcting and removing the two late payments. I finally received a letter from XXXX XXXX on XXXX XXXX, 2017 stating they would do so. My credit report still shows the two lates payments for TransUnion and XXXX. These two late payments need to be corrected and show paid on time. Not to mention they also showed the XXXX XXXX on my credit report as if I still owned it for those two months when it had already been resold to someone else. This has adversely made my Fico score plummet all because of an accounting error?!! I kept being reassured that my credit would n't be affected.

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 2020-02-14
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 sold my House at XXXX XXXX XXXX -XXXX AZ XXXX XX/XX/2019 ; the Mortgage company was XXXX XXXX XXXX XXXX and the Title company was XXXX XXXX XXXX XXXX XXXX XXXX XXXX . The Title company paid the loan by wire as listed in the written payoff demand but the XXXX mortgage company returned the wire and charged mortgage for the month of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019 despite receiving the settlement several time back from XXXX XXXX XXXX. Please refer to the attached documents reflecting all communications between XXXX mortgage and XXXX XXXX XXXX XXXX. Finally on XX/XX/XXXX XXXX mortgage listed the Mortgage as fully paid in XX/XX/2019 but the past due reports for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019 remain in my credit report and despite several letters to XXXX and calls the negative reports still remain in my credit with the 3 reporting agencies, XXXX, XXXX and Transunion. I have mortgage application and car purchases denied due to the credit score being lowered to the 500, s from the 700, s .Negative reports from XXXX must be deleted with the 3 credit agencies but XXXX refuse to take action.

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 2022-10-03
Company: Affirm Holdings, Inc
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I opened a loan with affirm.com on XX/XX/XXXX for a mattress. 

Everything was fine until I made an accidental overpayment on XX/XX/XXXX. I sent a payment of {$1000.00} rather than the {$100.00} I was trying to pay. 

I contacted them immediately by phone to let them know of my mistake. 

They refunded the entire payment of {$1000.00} on XX/XX/XXXX and did not withhold the payment due for the month of XXXX. 

When the refund was returned I received an email in their " private message ' system that they were aware of the error showing I was deliquescent and would correct it. 
I thought everything was good and continued to make payments. This private message system is oy available through the original email link I was sent that i no longer have access to. 

They hounded me via email for months about the alleged deliquescency. I called multiple times to try to correct it and was told it was a glitch that would be fixed. 

It wasn't. 

I finally decided to cancel the order altogether to get the loan cancelled in XXXX. 

3 days after they refunded refunded all payments, they reported me to XXXX as deliquent over 30 days. 

I disputed it with XXXX and affirm confirmed it was accurate. 

You can not reach anyone at affirm other than a call center.. 

In order to prove they are wrong I opened a XXXX loan with a subsidiary of nectar on XX/XX/XXXX and was approved for a {$1900.00} loan... If I'm a debtor, you would think they wouldn't allow another loan. 

My credit score has been damaged by about XXXX points and I've no option but to do this. 

I already filed a complaint and sent in my documents that your office lost and was told to file again so here we are

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: WELLS FARGO & COMPANY
State: OR
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:
On XXXX XXXX, XXXX, I called XXXX Vacations and purchased an all inclusive stay at a resort XXXX nights. I was suppose to receive an email with the receipt and access to book to the hotel. I never received the email. I called the merchant few times to verify my information and the guy on the phone kept telling me that it will come, it will come etc. It never came. I noticed the charge on my account and immediate report the activity to Wellsfargo.
Wellsfargo told me that since they received a sign contract that I was liable for the charge. I never signed any contract. I never received any email. I call Wells Fargo has the card cancelled and proceeded with there dispute department ( all of which they claim is recorded and document ). The lady on the phone told me that " no one would care that Wellsfargo was stealing from me. '' Please see the attached. 

My signature is very distinct. I have worked on it since I was XXXX years old. The loops in the cursive XXXX XXXX I get from my mother. My bother also does the same thing. Please see attached.

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 2017-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
In XXXX of 2017, I mailed a certified letter to TransUnion asking them to inform me of how my public record was reported to them. The letter asked for a ) The name of the courthouse ; ( b ) the persons name they verified the dispute with ; ( c ) the address ; ( d ) the telephone number ; and ( e ) the documentation used  to verify the dispute. When Transunion responded they indicated that the information reported was accurately verified by the courts. XXXX XXXXof 2017, I reached out to the courts asking them if they could remove my bankruptcy from my credit bureaus because this is the 7th year it has been reported. Recently, I received a letter from the United States Bankruptcy Court at XXXX XXXX XXXX, XXXX, IL XXXX indicating that the bankruptcy court does not perform any activities with the credit bureaus. I disputed my public record and faxed the letter I received from the courts to Transunion. Recently, Transunion has sent a letter out dated XXXX XXXX, 2017 stated that the item was deleted and reinserted because it was verified as accurate. Transunion has not informed me of how they verified this information and refuses to provide the requested information mention above. Please assist me 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 explanation
Consumer complaint received 2020-09-25
Company: First Federal Credit Control, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Noticed this was on my credit and is not mine

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14
Company: Specialized Loan Servicing Holdings LLC
State: AZ
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:
SLS Specialized Loan Servicing LLC Mortgage company reported XXXX XXXX Mortgage past due to XXXX, XXXX  and XXXX for the months of XXXX, XXXX XXXX and XX/XX/2019 when the mortgage was paid on XX/XX/2019 by wire transfer from XXXX XXXX XXXX XXXX of Arizona in accordance with the written payoff demand submitted by SLS to XXXX XXXX XXXX. Please see attached document. SLS has not request to the credit agencies deletion of the past due mortgage report despite several calls since 2019 and written demand letter by XXXX XXXX. Such situation has lowered my credit score from the 700, s to the 500, s and  caused denial on mortgae request, refinancing on loans and credit application for 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 2017-11-02
Company: Seterus, Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To begin with, the letter sent demanding XXXX as a shortage on my escrow is illegal via RESPA and as of XXXX Maryland Law. It does not matter if my bills increase, if I pay into escrow additionally ( as I did this year ) or as in XXXX if the bills decrease as in my home owners insurance, the property tax was EXACTLY THE SAME as the previous year. I have received the huge demand letters before and they have been resolved, specifically since I am on a mortgage modification. 
So with that I paid into the escrow XXXX XXXX XXXX and for the remainder of XXXX paid XXXX. This leaves a credit balance of XXXX plus the XXXX I paid in XXXX ( estimated ) you do not have in the Escrow total at all. You estimated everywhere else, but not that payment to escrow and you auto -deduct. It is unfair to do an analysis with 11 months it is not a fair analysis of the Escrow for the year ... it skews things in the lenders favor. 

CREDIT DEBIT XXXX XXXX XXXX XXXX XXXX XXXX ( additional pmt supposed to be fixed ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 11 pmts ) XXXX ( XXXX ) 12 pmts escrow ( XXXX ) - XXXX XXXX paid out Variance XXXX So you can calculate this two ways. You have a cushion of XXXX left after the XXXX payment which as of the date of this letter has been withdrawn from my account. OR I can contact the insurance company and I can attempt to pay my own mortgage ... therefore reducing payments into the escrow as you will only be paying around XXXX per annum. The variance in my favor to be refunded to me by the end of the calendar year ( XXXX XXXX ) would be XXXX less your cushion BY LAW, which I have calculated to the penny. 
Please see the attached Seterus letter for further detail and requests. This is not legal to my understanding of Maryland and Federal Law. Also the figures are incorrect. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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 2020-02-14
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A Washington Mutual Loan Amount of {$24000.00} has been reported in my credit report. 

The lender 's address was provided to be XXXX XXXX XXXX XXXX, XXXX, CA XXXX The loan does not belong to me. 

Please confirm that the loan has not been issued for social security number with last two digits ending with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04
Company: JPMORGAN CHASE & CO.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Multiple phone calls a day. I understand a few but I had 2 voicemails left on the same day. Plus I received a call right before the first voicemail at XXXX. VM at XXXX And received 6 calls that day. Days prior my wife receive multiple phone calls from them as well. Chase financial!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-14
Company: ALLY FINANCIAL INC.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ally has been calling my phone trying to collect my brothers debt. I've told them numerous times they are calling the wrong person and they still call me. I've been yelled at, hung up on, and I'm tired of it.

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 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
TransUnion. XXXX and XXXX is furnishing negative items on my consumer report thats suppose to be excluded. The information was obtained under false pretenses through aggravated identity theft to help the furnisher extort me by using racketeering activities to compel and coerce me into paying alleged debt not owed.

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 2019-04-08
Company: Experian Information Solutions Inc.
State: CO
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:
My credit score was XXXX via Experian on my XXXX XXXX site. One day it just dropped over 160 points. Since NO ONE will answer as to who reported my credit card account 120 days late no one will tell however it most certainly was and is a lie. The bank of course has fully backed me up and I have NEVER been close to being late EVER. I filed a dispute was told it would take 30 days within two days they said there " investigation was done '' and l was to look at the results which were nothing. They were nothing because Experian lied plain and simple they NEVER looked into anything including their own site. IF they had looked at their own site where I was listed over 120 days late they would see that that was impossible because they had each and every payment listed and logged but went ahead and lowered my score and refuse to lift it back up. When I call them I can only talk to foreignors who speak only from a script and I get nowhere. But I'm being punished by the auto insurance industry who raised my rates significantly because of the score regardless of my perfect driving record.

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 2022-08-11
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 called the TransUnion, XXXX and XXXX after I purchased a credit report with XXXX XXXX on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was an accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, XXXX and hoping that these following accounts late will be removed. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2020-02-14
Company: EQUIFAX, INC.
State: MI
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:
XXXX XXXX XXXX {$270.00} Opened- XX/XX/XXXX This is a fraudulent account opened in my name. I have never had anything in my name. 

XXXX XXXX XXXX {$420.00} XX/XX/XXXX This is a fraudulent account opened in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: AMERICAN EXPRESS COMPANY
State: IL
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 setup automatic payments with American Express for several months. I do this in order to 1 ) pay off the full balance my credit card every month and 2 ) avoid interest charges. 

For my statement ending on XXXX, my automatic payment of {$6200.00} was processed via auto pay XXXX. I was under the impression that this would prevent me from being charged interest afterward. However, I was assessed an interest charge of {$280.00} on XX/XX/XXXX. 

I called American Express to try to fix this issue and they were of no help. They essentially told me they can not guarantee interest will not be charged after an autopay is made. 

This practice does not seem fair to me as a consumer. If paying off the full balance by the due date does not prevent interest charges, what does?

Company response to consumer: Closed with monetary relief