BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-02
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Refuse to validate account this is not my account this company is reporting twice on my credit for the same account remove both accounts please validate or remove

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: PHH Mortgage Services Corporation
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PHH Mortgage ( PHH ) has failed to provide me timely and appropriate notification of my loan transfer in accordance with 12 C.F.R 1024.33.

PHH is/was my mortgage loan service. On XX/XX/XXXX, I received a letter from XXXX XXXX ( XXXX ) explaining that PHH transferred my loan to XXXX effective XX/XX/XXXX. PHH never sent me notification ( either physical or electronic ) of this transfer, so I did not know if the loan transfer was in fact real. After checking my documents online on PHH 's website. I confirmed that there was no official indication from PHH that my loan was transferred. In addition, my account in PHH 's website contained a new statement asking for my next mortgage payment by XX/XX/XXXX.  At this time, XXXX was also asking for my next mortgage payment by XX/XX/XXXX. It was not until I personally called PHH that they confirmed that my loan was transferred. While on the phone, I asked to speak to a supervisor. They kept me on hold for about 30 minutes and then hung up on me. 

How is a customer suppose to maintain proper financial standing if loan servicers transfer loans without any notification in violation of the requirements? In this case, by issuing a new statement requesting my payment, PHH was trying to take additional money from me. PHH should be fined for its illegal and inappropriate behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
Company: Experian Information Solutions Inc.
State: VA
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:
I did not authorize a credit pull on XX/XX/2021 from XXXX XXXX XXXX XXXX. They pulled my credit without my consent.

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 2021-03-05
Company: EQUIFAX, INC.
State: OH
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 numerous dispute letters to Equifax, XX/XX/XXXX, and XX/XX/XXXX disputing an erroneous bankruptcy that is being reported. The credit bureaus have failed to provide the necessary validation to keep the bankruptcy on my credit reports. I have attached the latest dispute letters and have provided the certified mail receipt numbers as evidence. 

Certified mail receipt numbers : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: RentDebt Automated Collections, LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The last representative from this debt collection office referred to me as " him and his '' in her response to you, consumer finance. If she did her investigation properly she would know that I am a woman and not a man. These representatives keep stating they welcome me to call but when I do, they do not try to work out an arrangement to get this settled. I was in a payment arrangement and due to me being on XXXX, my income is very limited. I had ONE payment that did not go through because I did not get paid from California XXXX. I had to have my XXXX  send in the necessary paperwork to extend my XXXX due to that I am XXXX XXXX XXXX XXXX. That took about a month ... XX/XX/2019, before I started receiving money again. I told the debt collection representative that I would call and get the payments back on schedule once I get paid. However, they turned my account into the 3 credit bureaus without giving me any warning or chances to keep this from happening. The did this XX/XX/2019. They hastily did this to damage my credit and force me to pay an amount I do not owe. Every representative that has responded, their statements are not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
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: Old information reappears or never goes away

Complaint:
On XXXX XXXX 2017 I received a confirmation from Equifax stating the XXXX XXXX account I had been disputing was removed from my credit, after recently reviewing my credit file, Equifax has readied this account without sending a reinsertion letter which is against FCRA. 

Equifax Confirmation # XXXX XXXX XXXX,2017

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Credit Bureaus are reporting incorrect balance, payment amount, account status, and payment history to XXXX, XXXX and TransUnion. Incorrect information was disputed via letter sent certified mail to credit bureaus. 
Letter mailed to TransUnion XX/XX/2022 tracking # XXXX Letter mailed to XXXX XX/XX/2022 tracking # XXXX XXXX disputed online XX/XX/2022 confirmation # XXXX The dispute advised payment information was updated but is still reporting incorrect account status, payment history, payment amount and account status.

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 2021-08-21
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XXXX XXXX XXXX and XXXX XXXX XXXX are claiming I had an account and I never heard of them

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 2021-08-21
Company: COMMERCE BANK
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:
THE COOMERCE BANK ACCOUNT WAS XXXX IN XXXX XXXX BK ON XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: Westlake Services, LLC
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: Account information incorrect

Complaint:
Hello. This complaint is against Westlake Financial Services. They refuse to report to XXXX  and the other bureaus that I paid off my car on XXXX. My XXXX  report is showing a balance with Westlake for {$16000.00}. I disputed this and received the dispute results on XXXX stating that Westlake verified to XXXX  that the {$16000.00} balance is correct. I cant believe that they were blatantly untruthful. I called them on XXXX and spoke to XXXX. She told me that they will report my payoff to the credit bureaus within 2 months of the payoff. However, it has been more than 3.5 months, and they did not do so. Today is XXXX and I paid it off on XXXX. 

I have copies of the car contract. It shows the date of the original sale ( XXXX ) and the balance ( after the down payment ) that was financed by Westlake Financial ( {$16000.00} XXXX. I have the printouts from my personal and business checking accounts. I made 7 payments to Westlake totaling {$17000.00} from XXXX to XXXX. I have a copy of the car title that was sent from NC DOT. It has an issue date of XXXX. I have screenprints from the Westlake website showing my payment history and a note that my account is paid in full. Please contact Westlake on my behalf. Hopefully they will finally report to XXXX  ( and the other credit bureaus ) that my account has been paid in full and has a {$0.00} balance. 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 2020-06-24
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Experian showing incorrect balance, current status for this account is {$580.00} with available balance of {$1400.00}. I have sent multiple disputes and they keep reporting inaccurate data

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 2018-06-06
Company: Stern & Stern. P.C.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Stern & Stern is requesting payment of XXXX for a bill that was paid, perhaps even several times over the years to XXXX XXXX XXXX to lower our property taxes. He has since placed a lien on our property and according to county clerks office this bill dates back to XX/XX/2002. We have repeatedly asked Stern and Stern evidence of this bill to see if it is indeed the one that dates backs years ago to which they have never responded even though one of our requests was made via certified mail with signed returned receipt. We have the signed returned receipt but still have not received any bill, invoice or any proof of dept from them. We can not continue paying them for a bill we do not owe this has been going on for years. 

About one year later of our sending out the certified mail, I was notified by Stern & Stern that there was a judgement again my property and a lien on my house. I thought it was a scam, it took me weeks of working with my local town government to confirm that their is indeed a lien on our property. I believe that they may be targeting senior citizens because I recently found another complaint on XXXX reviews for the same law firm representing the same tax company describing Stern and Stern 's use of unscrupulous tactics. 

I asked my bank if it would be possible to return that far back in my banking history and they informed me that NY state has 6 year statue of limitations on collecting dept so that it should not be necessary for me to go through this trouble. I do not understand how they could legally place a lien on our property for a dept that exceeds the state 's statue of limitations. 

I do not want pay this company again and have them come back in a year or two and ask for payment once again. I do not want anyone to have to go through the time aggravation and stress I am going through trying to solve this. I do not want my assets frozen as he did to the gentlemen 's father ( XXXX XXXX ) on the XXXX review which I copy and pasted below. 

This seems like fraud to me and I would like a criminal investigation opened so that they can not target anyone else. 

Thank you for attention you can bring to this issue XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX   XXXX,,, XXXX XXXX : " These guys went after my father on a claim that he owed money to a property tax reduction company, I happen to have the same name as my father so they froze my bank account! They couldn't even ensure they had the correct social security number, and froze my assets illegally. When I asked them to pay the bank fee I was charged to get my bank account reinstated ( a couple of hundred dollars ) they refused. Now this event is coming back to haunt me again because this event made it onto my credit report. I called them to get it worked out and they gave me an attitude on the phone and were not sympathetic. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: JPMORGAN CHASE & CO.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I received a paper check from my previous employer ( XXXX XXXX XXXX XXXX )  via mail. I remote deposit it into my account on XX/XX/19. I call the next day ( XX/XX/19 ) to find out why it hasn't posted and when it should. I was advised that it will post the next day. I wake up on XX/XX/19 and see that there is an email from Chase Bank stating there is a hold on my funds until XX/XX/19. When I call to find out why there is a hold on my funds, I'm told because it's not how unusually receive funds into my account and they have to make sure that it will post ... when I go into my account online it shows that it was posted XX/XX/19. They are with holding money that I made and that I worked for. When I asked if it could get cancelled so that I can take it elsewhere to cash they then explain that they would charge me XXXX and I wouldn't receive it back until after XX/XX/19. I have bills that need to be paid and there is no reason why the money I worked for is not being released to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I opened an account with wells Fargo in XX/XX/XXXX following a {$300.00} sign up bonus offer. The terms indicated that {$1500.00} in deposits for 3 consecutive months were needed to qualify for the bonus. I did so inXX/XX/XXXX,XX/XX/XXXX andXX/XX/XXXX. InXX/XX/XXXX I contacted Wellls Fargo to make sure I met the requirements. The rep stated that I did and that I needed to wait 45 days to see the bonus in my account. In XXXX I called back and was told to wait while they do research. After a few emails a person from the executive office called me and said that she can see DDs on my account but she needed to " research '' further. That was last week. the case number 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 non-monetary relief
Consumer complaint received 2021-02-20
Company: EQUIFAX, INC.
State: SC
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 sent a request to investigate inaccurate accounts on my credit profile on XX/XX/2020, it has now been months since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm reaching out because I have reached out to Experian multiple times stating that the account attached ion the FTC report sent and they have done thing.

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 2021-08-21
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Regions it at it again. My account was low so i stopped using it for a few days. Regions seems to be re arranging charges/transactions in order to elicit NSF Fees. When I go to bed my account is green. When I wake up it's in the red plus overdraft fee. This is not the first or second time. Charges that have already cleared will show as pending in a few days.

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 2017-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
I have contacted Transunion via telephone, and mail. Regarding missing information, accurately updating information, and promptly updating my report as soon as the creditors update Transunion. 

1. ) XXXX/XXXX A. ) Transunion has there last update for XXXX being XX/XX/XXXX. My 2-Year Payment history doesnt reflect that. 

B. ) Transunion has my Credit Utilization as 57 % that is inaccurate. 

C. ) Transunion has my balance as $ XXXX.That 's inaccurate its actually {$150.00}. 

D. ) My terms should be listed as revolving. 

2. ) XXXX XXXX XXXX XXXX A. ) I am an authorized user on my husbands card. Transunion has my credit utilization is 76 % that is inaccurate. 

B. ) Transunion has my balance as {$220.00}. That is inaccurate. 

3. ) XXXX XXXX A. ) Transunion has my last update as XX/XX/XXXX.I have paid on time for the months of XX/XX/XXXX,  and XX/XX/XXXX. My 2-Year Payment History also does n't reflect those on time payments. 

B. ) Transunion has my balance as {$1300.00}. Thats inaccurate it should be {$1200.00}.

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 explanation
Consumer complaint received 2021-02-20
Company: Mountain Run Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX Contract Agreement fails to include disclosures required by the FCCPA ( I.e., Amount Financed ; Finance Charge ; Annual Percentage Rate ; Payment Schedule ; Total of Payments ; Total Sales Price ; Prepayment ; Late Payment ; Security Interest ; Contract Reference ; Itemization of Amount Financed )

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: Paypal Holdings, Inc
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I sold a pewter tea pot in XXXX for XXXX I did everything right I mailed it the day after the sale, he received the tea pot and everything was fine he let XXXX know he received the tea pot in good condition. XXXX said I should have my money by XX/XX/XXXX pay pal kept it in pending status for 3 weekss. I made numerous calls to XXXX and pay pay to find out when I was going to get it my customer has the tea pot in XXXX and I have no money mean while XXXX wants paid their XXXX commission and I still dont have my money I told them I will pay them when I get my money. Finally XX/XX/XXXX pap pal says my funds are ready I called pay pal to see how to transfer it into my checking account a fellow from pay pal walked me through it so I thought I was done and would finally have my money 15 minutes after I did the transfer I get a email from pay pal saying they are are placing my funds under review and its on hold for 48 doesnt say days weeks or years if it passes the review they will release my money, so my money is now sitting in pending again. I called pay pal and a fellow said he would see if he could over ride it well he couldnt this was my first and last experience with them. I just want my money I was suppose to go on vacation and planned to use that XXXX. I have spent so many hours trying to fight for my money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-12
Company: EQUIFAX, INC.
State: PA
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:
This XXXX account is hurting my credit score and cauing a negitative inpact on my reporting due to inaccuate reportings this account is paid in full I have a letter from New Jersey XXXX XXXX that proves this account is not delinquent yet this is how it reads on my credit report. Please update status.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
USCB CALLED THREATENING TO TAKE LEGAL ACTION AND LIEN PROPERTY IF THESE COLLECTIONS ARE NOT PAID ... .THESE ARE NOT MY ACCOUNTS DEBT DOES NOT EXIST AND THIS IS NOT A WAY TO COMMUNICATE WITH CONSUMERS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
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: Information belongs to someone else

Complaint:
These are not my accounts, and I don't recognize a couple of names listed. Additionally, I did not authorize these companies to run my credit.

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 2021-08-21
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I've made payments for this store card consecutively now I go on the app and the cards closed. Whenever I called the rep told me there was 2 payments that were returned. No payments were returned I used bill pay and it reflects my bank statement so I'm not sure what's going on. You application also sucks you can't see transaction history and it takes forever for a payment to post.

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