BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
On numerous occasions since XX/XX/XXXX, I have followed up with Transunion regarding the letter that XXXX XXXX provided to them regarding a bankruptcy that is on my credit report. 
I have placed called to Transunion and spoke to numerous managers, XXXX, Mrs.XXXX XXXX-regarding this account. All representatives replied that XXXX XXXX validated the information which is not true. 
On XX/XX/XXXX, XXXX XXXX sent Transunion a letter to remove the bankruptcy off of my report as it was invalid and inaccurate. On XX/XX/XXXX, XXXX XXXX also confirmed they on fact remove the bankruptcy off of my credit s well as, removed it off of their files. Transunion was notified via mail from myself as well XXXX, XXXX XXXX and to date, Transunion refuses to validate where they received the information as well as acknowledge the letter from the very source that provided them the information. 
Transunion is violating my Fair Credit Reporting rights. They replied on the phone to me they do not have to send me a letter in writing on how they validate their information. Please see attached letters from XXXX XXXX as ample proof of what I am saying. I am demanding that this reporting agency removes this information and adhere to the Fair Credit Reporting act. 
I thank you in advance for assisting me with this.

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 2019-04-20
Company: WRJ Holdings, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
Hello I have paid 2 payments I have been laid off from work due to my XXXX and my wife complicated XXXX it's been super hard for to catch up I have told the company I was going to come in soon and make a payment butneash time it fail due to financial problems the company sent a voice and said a warrent would be issued for my arrest if the car isn't paid so if there another option.

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 2020-12-17
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ditech misappropriated moneys required to be sent to Suspense. Ditech claims that Suspense money could be transferred to unapplied funds and then put into Escrow and paid out. Detech, literally, NEVER disclosed this until the recent response to my first complaint. It is not legal. If there is a shortfall in escrow, I should be notified and given the option to increase payments in monthly installments. No mortgage company is permitted to simply " take '' thousands of dollars and pay what they want in order to " look better '' in the sale of my loan to loancare. I tried for OVER A YEAR to straightne this out. Ditech never responded. XXXX XXXX only responded in an XXXX letter.XXXX and DITECH lied to me over and over on the phone. Ditech : " We are still researching what became of that payment ... you should contact your new service provided, XXXX. No, we never reported any delinquency to XXXX. '' Then, XXXX, after lying since XX/XX/2019 and saying " we're still researching ''. Finally in XXXX, during a phone call ( so much wasted time ) they admitted the suplus money was taken a day after it was put into Surplus. The representative told me " that's Ditech '' ; you got ta call Ditech. These people are compulsive liars, professional bullies and TOLD ME THEY WERE ALLOWED TO DO THAT WHEN THE MORTGAGE, DITECH AND XXXX HAS A COMPLETELY DIFFERENT POLICY IN WRITING! See attached letter.Many of my credit cards have been downgraded and I, literally, can't get a personal loan based on XXXX report that I have been delinquent for over a year. Why are you allowing this to happen -- to just accept ay face value the lies they tell " we can send money to Suspense or Unassigned funds?! " Unassigned funds '' is NOT an account and has never been mentioned in the mortgage contract nor any communications with me by any loan company. I have paid every dime I was billed for. There is no legal authority for them to seize a partial payment from Suspense and drop it in escrow so they " look '' better.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch
State: NH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am continuing to receive collection calls from Stillman Law Office who I previously filed a complaint against in XX/XX/XXXX, Complaint # XXXX. The debt being called about belongs to XXXX XXXX, the son of XXXX XXXX, the previous owner of my land line phone number XXXX. I was assigned this phone number in XX/XX/XXXX by XXXX XXXX. I have managed to get other debt collectors to stop calling but this one does not stop. 

My two elderly parents and XXXX sister live with my husband and me, and these harassing collection calls block the line for their medical providers to reach me. This needs to stop immediately.

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 2021-05-06
Company: EQUIFAX, INC.
State: NC
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:
Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: PENNYMAC LOAN SERVICES, LLC.
State: LA
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: Was not notified of investigation status or results

Complaint:
I have my payments set on auto-pay so that I know I can pay on time. The loan company published on my credit report that I was 30 days late on payments. They didn't call me until after it was reported on my credit that I was late on a payment. I called and told them it was wrong information and that I had recently move. they didn't try helping me by giving me a late forgiveness since I've always paid on time. I would like to continue with this company, I just feel I'm not currently being treated fairly. The payments are due on the first so I have my accounts to pay on time. for some reason they had issues pulling money but didn't tell or contact me till after I was late. Whenever I check the account, I always see their withdrawal. Then they didn't even tell me that I had another payment due, then called me once it was past due and late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Other problem

Complaint:
On XX/XX/XXXX I ( XXXX XXXX XXXX ) opened a secure credit card with capital one with a {$1000.00} credit limit. On XX/XX/XXXX I closed the account ; before I ever received the actual credit card. I was told my money would be refunded to me within two months. Sense then I have called atleast twice a week trying to get Capital One to give me back my money. They told me, in XXXX, that their was a fraud issue with my account. I did everything I could to clear up the fraud concerns. On XX/XX/XXXX I was told, in real time, that the fraud alert was lifted. I was told to expect a check in the mail within two weeks. Two weeks passed, I called and I was told by customer service supervisor that the check was canceled. They told me that my check was returned because my adress does not exist. My fiance has a credit card thru capital one, they send him letters in regards to his credit card all the time to our address. On XX/XX/XXXX I was told by a customer service rep. that they were flat out not going to give me my money back! I have not received a single peice of documentation in regards to this account ; via email or regular mail. They refuse to even give me an account number. They are literally refusing to give me back my money. Can you please get me back my money? These people literally went into my fiance and I bank account and are now refusing to give me back my money. I even tried to get my bank ( chase ) to get the money back from them in XXXX. They refused to give the bank back my money. These people have caused me nothing but grief. {$1000.00} is alot of money to me. Please, this has gone on long enough. Now everytime I call they just pass me around to different departments, telling me someone will call me in seven days. I never get a phone call. They have told me someone was going to calm me atleast five different times. Nobody ever calls. Please please get me back my money!!!! These people are literally stealing from me!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello again this is XXXX XXXX - would just like to report that the gentleman who had been handling the whole stop payment thing has not returned the funds despite being informed ( I believe ) that he had until the XXXX of this month to get it resolved. We went to a Bank of America branch yesterday to speak to someone in person, and the gentleman who helped us had also tried to contact XXXX XXXX and like us was immediately sent to his voicemail. 

We will be returning today to see if an email that was sent by the person helping us was responded to, but at the same time we are out of time. I would like to make you guys aware that my father, XXXX XXXX, had passed away at XXXX XXXX  last Monday. We really need the {$2800.00} credited back to mine and my father 's joint account at XXXX ( I will probably become the primary account holder of that account, I just need to supply XXXX with a copy of the death certificate ) because we need it to go towards funeral costs and everything else we need to survive. 

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 2018-03-21
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
The Barclay Card Arrival Mastercard advertises itself as a travel card. This is FLASE ADVERTISING SINCE THE CARD CAN NOT BE USED INTERNATIONALLY. I called Barclays to let them know that I was traveling internationally to XXXX. While I was traveling in XXXX they CONTINUOUSLY CUT OFF MY CREDIT CARD. I answered their call multiple times to tell them it was me using the card and they continued to cut it off repeatedly. I spoke with customer service and the agent told me I had done everything that I was supposed to but could not guarantee that the card would not be shut off again. They REFUSED to keep my card active while I traveled, even though I REPEATEDLY confirmed my transactions and told them I was traveling and it was me using the card. If the card can not be used internationally, they should not be able to advertise that it is can, so they dont leave customers stranded with no form of payment. Their lies put people in dangerous situations.

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 2017-11-29
Company: JPMORGAN CHASE & CO.
State: CO
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:
Chase credit card : ending in XXXX I paid off my full balance and closed the account XXXX XXXX XXXX. 
I still incurred a {$19.00} annual fee after this date. I was unaware and did not log back into the account. I got an email on XXXX XXXX XXXX stating my account was overdue. I called XXXX XXXX XXXX and was told by customer service rep that I was late on the fee of {$19.00} and was charged an additional late fee of {$15.00} on top of the {$19.00}. 

I went ahead and paid the overdue amount and told the rep to close the account again. I also noticed Chase Credit Card had put a negative hit on my credit report. 

This is not fair practice. How can I incur charges/fees after I already closed the account a month prior, they should have waived the late fee since the balance was paid off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-20
Company: EQUIFAX, INC.
State: IL
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:
Equifax has failed to provide proper validation after repeated attempts in regards to Accounts for XXXX XXXX XXXX and XXXX XXXX. They continue to report these accounts after repeated attempts by me to send them letters from the debt collector and original creditor stating I am not responsible for these accounts. They are violating the FCRA by reporting these accounts erroneously. I have attempted to provide these letters repeatedly and have been given the run around by their customer care team. I am asking these be removed immediately as I have proof that I am not responsible for these accounts. On XX/XX/19 I sent a letter from XXXX XXXX XXXX being collected by XXXX XXXX   to show XXXX XXXX XXXX responded saying '' I am no longer responsible for this debt '' if this is the case Equifax is illegally reporting this account to my credit report. Also I sent a letter the same day from the debt collector on behalf of XXXX XXXX and they said the same I am no longer responsible for this debt. How then is Equifax allowed to report these debts when they are no longer valid?? I would like a response from them as to why they think they can continue to report these two accounts claiming they validated and I have letters proving otherwise. And continuosly denying that my letters dont change anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, I am writing this complaint in regards to my mortgage company ( Seterus ). 

I purchased my home originally in XX/XX/XXXX for approximately XXXX in the City of XXXX California. My original lender at the time was XXXX XXXX and at some point it transferred to XXXX XXXX XXXX and now it is ultimately XXXX. 

In XX/XX/XXXX I faced some financial difficulty and filed Chapter XXXX Bankruptcy. I successfully completed my bankruptcy and received my final decree. 

I started paying Seterus directly through their automated phone system in XX/XX/XXXX and have not missed a payment since that date. I reached out to Seterus on at least three separate occasions because I still have never received any statements from them nor was I allowed access to view my account via internet. Each time I spoke with them they told me my bankruptcy was under some final review and it would take a few days for them to finally grant me access to their website and begin receiving statements from them. 

Recently ( XX/XX/XXXX ) I noticed somebody taking pictures of my Home and when I approached the subject he informed me my home was headed for foreclosure. I again called them and they advised me they would look into the matter to get my records current. Today ( XX/XX/XXXX ) I received a call from a Seterus representative and they told me I was approximately {$5000.00} behind on my mortgage. This is surprising to me because I have not missed a payment. 

So I guess what Im asking is what can I do as a home buyer. My monthly mortgage is {$2300.00} and I have proof all my payments are current. Their highly unpleasant representatives only tell me they will start foreclosing if I do not become current. 

Any recommendations as to who I should contact? My apologies if this is not your specialty and you took the time to read this. 

Thank you for your time,

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 2019-04-20
Company: AMERICAN EXPRESS COMPANY
State: MO
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:
I have noticed that AMEX have placed an inquiry on my XXXX credit file dated XX/XX/2018, XX/XX/18, XX/XX/18 As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. I requested both AMEX and XXXX  to verify these inquiries. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to their alleged purpose, for doing so since I did not apply for employment with their organization nor did I request credit from their organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-20
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/19 I went to a Chase Bank branch to withdraw {$80.00} from a non-chase bank account using my XXXX XXXX debit card. After entering in my PIN number and selecting the withdrawal amount the ATM displayed an error and said to call Chase at XXXX. I called this number but they were unable to assist and referred me to my bank. Meanwhile, {$80.00} has been deducted from my checking account and my bank said it could take as many as 10 days to get it back after they dispute it. I have attached a copy of the receipt with the error message on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: AES/PHEAA
State: TN
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 filed a dispute in regards to the incorrect items on my credit report. It has been way past 30 days and I have not received any updates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-29
Company: Experian Information Solutions Inc.
State: AR
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:
I reached out to XXXX XXXX, and Experian and explained to them that I did not authorize my credit to be ran by these companies and wanted the information deleted off my credit report. I was spoken to rudely.The issue was never fully resolved. The inquiries were removed at one point and were eventually placed back on my report and I was never notified the inquiries were placed back on my report. According to the FCBA that is against the law. I am requesting that Experian, XXXX, and XXXX to remove all inquiries pertaining to auto loans due to not being notified. The inquiries are as follows : XXXX XXXX Auto Finance XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-11-29
Company: Rocket Mortgage, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Quicken Loans has been slow rolling me in refinancing my mortgage. The home is worth $ XXXX with a mortgage of $ XXXX. 

They have ruined my credit score. Why are you treating a fellow XXXX alum this way, XXXX XXXX? 

Shame. 

See you in court. 

XXXX XXXX Class of XX/XX/XXXX

Company response to consumer: Closed with explanation