BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-31
Company: Time Investment Company, Inc.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I purchased ( financed ) a water filtration system through Time Investment Company , Inc. for our home. There was various issues and I disputed the debt. I ended up filing a lawsuit against Time Investment Company , Inc. and XXXX XXXX XXXX which was sent to arbitration ( still pending ). I was being harassed by Time Investment Company, Inc with their non-stop phone calls and emails. I eventually sent them a seize and desist order to cease all communication certified return receipt and it was received and signed by XXXX XXXX on XX/XX/18. They violated my seize and desist order, this is a violation of my rights under Section 806 of the Harassment Act and Section 805 of The Privacy Act of the Fair Debt and Collection Practices Act ( federal statutes ). Please look into this further.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: Navient Solutions, LLC.
State: GA
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 a dispute in regards to the incorrect items on my credit report. It was been well over 30 days and I haven't received my investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
this account XXXX XXXX XXXX finance account number : XXXX. I have tried disputing the information on verification of the account with the bureau. this account does not belong to me. i will attach my FTC report, drivers license and a letter stating this information.

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 2020-06-27
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AL
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:
XXXX the XXXX XXXX I opened a dispute, they said they changed my account to being in forbearance, I called them and they stated that they didnt see why it would be coded as that but they couldnt corrected it right now. I am trying to buy a home and I cant because of this terrible mortgage company. I feel as if they re retaliating against me for contacting CFPB and XXXX  because of their tactics. I asked to speak to someone that can make decisions and they WILL NOT LET ME speak to anyone else. Also when my mortgage was bought I had a XXXX dollar inspection fee from them to which was charged before they owned my account. This company is like dealing with a little child I can not get any information from them to help. I have not given written consent nor verbal consent to put account into forbearance as I have been paying my mortgage. This company has to be stopped they are messing with myself and many other families.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
Company: PNC Bank N.A.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I opened up a virtual checking account with PNC Bank in XX/XX/2018 online. Everything was fine until XX/XX/2018 when I was charged a {$15.00} service fee. My balance was about {$300.00} at that time and after the service charge fee my balance went down to {$290.00}. I've called customer service on XX/XX/2018 to inquire why I was charged a service fee. I was told that I had to keep at least {$2000.00} in my account to avoid the fee. 

I was not aware of this fee, I was not told I had to keep {$2000.00} in the account, I haven't received any " welcome package '' where it would be disclosed. Even when I was looking inside of my online account for any fees there was nothing disclosed. The disclosure of the fees is quite hidden and only if the account holder is OFFLINE and it is very hard to find. 

This is a deceptive marketing strategy to charge customers with monthly fees. If I knew I had to park {$2000.00} in a checking account ( interest free ) I would never open the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
I have requested at least on 4 different occasions for Capital One to provide me with a ONE time courtesy goodwill for ONE late payment on my account. The late payment occured in XX/XX/2017 when I was making a transition in employment. I have since maintained a positive account, making all payments on time and for the balances due. I've contacted XXXX XXXX in reference to requesting credit limit increases and was given inaccurate information. I have emailed about the inaccurate information and the process for getting CLI or changing account over to unsecured and those emails were never addressed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-31
Company: Experian Information Solutions Inc.
State: MD
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:
This complaint will be against Experian. This company won't allow me to dispute issues on my credit report. Whenever I submit a dispute through Experian, they never investigate my online disputes. They literally comeback with the results of the dispute less than three business days with no action taken. The worse thing is that they won't let me open a new dispute because they believe that I already previously submitted a dispute but they never investigate my online disputes. This is unlike XXXX or XXXX. Please fix this issue.

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 2020-11-06
Company: JPMORGAN CHASE & CO.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a XXXX XXXX Trust Fund with XXXX XXXX XXXX XXXX this is the second time they've had a hard time processing the payment at Chase Bank payment center they send them my pay stub because I send them a PDF file they sent a physical check with my full name on it and the pay stub I've asked them multiple times to apply the credit adjustment to my account they frustrate me and they hang up the phone I do not become belligerent at any time I need help so this doesn't happen to me over and over where I have to keep proving and calling my trust one for them to provide proof that they send the check to them I'm looking for an advocate I've called them multiple times

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
On XX/XX/2020 I sent a dispute letter to Capital One Finance and all 3 credit bureaus. My account has 7 inaccuracies. It is well over 30 days again and the account still has 7 accuracies and nothing has been updated or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
Company: Statebridge Company
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I received a billing statement for my mortgage ( #  XXXX ) for payment due on XX/XX/XXXX. Statebridge Company, the service ( r ) of my loan, has fraudulently assessed me for forced placed insurance even though I have provided them with proof of coverage ( insurance ) on more than one occasion. Each billing statement I continue to receive, listing charges for unnecessary forced insurance, will be considered a separate count of fraud.

Statebridge Company has reported my account as being delinquent, to the credit bureaus, causing my credit score to drop 49 points. This is causing me to suffer financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: ENCORE CAPITAL GROUP 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I've called XXXX 3 separate times today and told 3 separate answers to this question : Will filing a dispute affect my credit score? A few times, I was told no or it shouldn't. Then the last time an overseas representative said yes.

My score went down 13 points because I have disputes ongoing and XXXX XXXX in specific said they reported to XXXX  on :XX/XX/XXXX - " XXXX XXXX  reported account under collections with - dispute status - the unpaid balance that was reported is {$710.00}. '' per rep. This account with XXXX XXXX had ALREADY reported this to agenciesXX/XX/XXXX. They told me they report twice in a month. So, for over a year they have reported often with no change in score points until this dipute.

I disputed the account and now my score went down? And the collection representative verbally validated that. A credit monitoring showed it was XXXX XXXX collections due to adding remarks about a dispute - was the reason the score went down 13 pts.

" The FICO score will not allow an item that is actively being disputed to harm your score. When the XB code is present on an account, a public record, or a collection, the FICO scoring system treats it differently than it would if the account was not actively in dispute.

This is where the confusion comes from. The FICO score will not allow an item that is actively being disputed to harm your score. '' Nothing changed as far as a payment, etc. TODAY I asked XXXX to stop the dispute. Also, XXXX should fix my points - add them back to my score.

Lastly, XXXX, nor XXXX touched my score and I disputed with them as well. I have paid off 3 or 4 collection accounts and my score will only go up 1 or 3 points, but it always go down 13 to 24 points if something is added.

Please look into this and have them to add my points back on as nothing happened on my credit report to justify this. Again, actually, I paid / removed 4 accounts and only XXXX barely show an improvement in the scores while the other 2 major agencies shows great improvement.

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
Company: Fay Servicing, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX/XX/XX/2018, I was notified that my loan was transferred from XXXX XXXX XXXX  to Fay Servicing. I was told all conditions, payments etc would remain the same. After paying 3 months at my regular payment amount of {$1700.00} during the transition period, the new provider suddenly goes up {$120.00}, now requiring a new monthly payment of {$1800.00}. 

This was NEVER discussed or disclosed during the loan acquisition process. When I called Fay to discuss, they said my escrow account was all of sudden " short ''. They then said it was outlined in an escrow analysis which I NEVER received. When I asked to please have it sent to me, I again NEVER received it. I tried again to call for additional information and the agents were no helpful AT ALL. 

Now to maintain my excellent payment history and credit, I am FORCE to pay an additional {$120.00} per month, that was not disclosed or explained properly. I feel whatever escrow shortage there may be should be worked with the previous lender that bought the loan from which was XXXX XXXX XXXX. They simply sent me a new bill with a new amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
this is my second dispute I am up to date on my payments & even paid more than I owe monthly I am on good track record & got very damaging information on my credit report late payments & I'm am not in agreement with this credit reporting company they have no right to damage my credit with these aligations! the Credit Bureaus have NO right to list your personal financial information on your credit report. They are required by law to verify and validate every single account on your report. show me proof that I am in agreement with you credit Bureau with my signature if you can't provide me with that than you have to take the late allegations all allegations off my report unless u provide me with proof that I'm in agreement with you show me my signature & agreement with you? you said that you were going to talk to the sources this has nuttin to do with anybody but you you have to provide me with legal documentation & signature

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: Ad Astra Recovery Services Inc
State: MS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I asked the company to verify the debt but I've only received personal I formation without my signature meaning it could have been stolen!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
n XX/XX/XXXX, I scheduled the payoff amount on XXXX XXXX XXXX XXXX website. The amount cleared my bank account and the title was received by mail about 1 week later. At the end of XX/XX/XXXX, i received a letter stating the title was released in error and to return it to them. However, after calling them, I was informed there was a mistake on the balance owed to pay the loan in full. I disagree with this and didn't send it back. I have recevied multiple statements showing a balance of XXXX plus to pay the balance. HOwever, after demanding debt verification, I was informed they could only send a pay history. The balance on this shows XXXX. They are continuing to report late payments and now showing charged off/collection with a balance of XXXX on all major credit bureaus. I do not believe I owe anything to pay the loan in full and believe the is an error on XXXX XXXX XXXX XXXX side. HOwever, they will not research this. The new excuse is that a payment was returned. I do not show this on any bank statement. Ive asked for verification of the bank account the " returned payment ''. They state they can not access that information. This has decreased my credit  score dramatically and I have attempted to correct this with XXXX XXXX, Experian, XXXX, and XXXX on multiple occasions. Disputes with credit reporting agency are not correcting the mistake.

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 2018-06-11
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: Information belongs to someone else

Complaint:
I have sent several request to have fraudulent accounts removed from my personal credit file. Each time they return as being " verified ''. As a result I have requested the method of validation and also how are the accounts are being verified, which in return I have not received anything but a copy of another credit report with the same exact information included. This is considered insufficient validation of debt. Per FCRA 609 I need the signed original contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am applying for a job and was notified about a debt with Atlantic Credit and Finance. Ive tried numerous times to reach them but can never get through and never receive a call back. I also have never received anything in writing from this company or received any calls. Its impossible to take care of and could possibly cost me employment. I contacted the original creditor but they say they cant take any payments. XXXX XXXX XXXX is the original creditor. Furthermore. There are over 100 XXXX  complaints about the same thing. Theyre impossible to get ahold of yet Credit cant be repaired.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-11
Company: EQUIFAX, INC.
State: WI
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: Problem with personal statement of dispute

Complaint:
During the beginning of COVID-19 I was having employment hardship and need temporary payment assistance. After 100 's of phone calls to XXXX XXXX was unable to get though due to high call volume. I tried to contact XXXX  XXXX though email and would never received a reply. I sent 2 certified letters stating the I would be unable to make the next payment unless they respond to me to set up a new payment agreement. Since XXXX  XXXX refused to respond to my requests, they caused a 30day late payment and i sent another certified letter stating that the late payment is an account error due to them not communicating after receiving my numerous requests for assistance. I immediately paid the account balance after the caused an error by reporting a late payment caused by XXXX XXXX 'XXXX  own company. They still refused any  assistance on resolving the error and sent a letter saying they will not remove the error late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently filed a complaint XX/XX/XXXX against XXXX XXXX   and this is the response I received : This reply is in response to your complaint we received from the CFPB. We appreciate the opportunity to respond to your concerns. We have reviewed the complaint and the related matter. As a result of our investigation we are replying with the following information : On XX/XX/XXXX, XXXX placed this account in our office to collect a balance of {$620.00} on their behalf. On XX/XX/XXXX, you spoke with an agent in our office and requested proof of the balance owed. The account was placed in a disputed status and collection efforts were suspended. OnXX/XX/XXXX, we mailed you statements obtained from XXXX validating the balance that they state is owed. Within the verification information we have provided is specific to the requirements we are obligated to provide according to the federal law that governs our industry as it relates to verification of debt. In response to your desired resolution, XXXX XXXX   has closed this account in our office and returned it to XXXX. We will request that our information be removed from the credit bureaus. XXXX XXXX does not own this account, and therefore we are unable to guarantee resolution. If you have any further inquiries regarding this account please contact XXXX   directly.

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 2021-05-03
Company: ALLY FINANCIAL INC.
State: MN
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
To whom it may concern - I am writing to see if you can help me with a complaint with the lender of my second mortgage, Ally Bank. 

In late 2020, I sent my check number XXXX in the amount of {$360.00} as payment for my XX/XX/2020 obligation. Ally did not cash the check but sent it back to me claiming it was not a full payment, and then proceeded to claim I missed a payment. They have repeatedly applied late fees to my account, despite being paid on time. 

Ally frequently applies late fees to my account, despite my making regular, and correct, payments.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Bank of america claims I made a claim when I did not. It does not show in my claims messages or my bank statements. This is incorrect.

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