BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-21
Company: Experian Information Solutions Inc.
State: AL
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 credit reporting companies are not properly investigating rather they keep just replying with the same prepared response

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 2018-05-20
Company: SYNCHRONY FINANCIAL
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted XXXX XXXX directly and through the credit bureau 's as well. I have asked this collection company to remove this false negative account from my credit file and or show just cause of any accuracy for reporting. To this date I have yet seen any documentation bearing my signature and or showing that I have a legal binding contractual obligation to pay said debt. I am requesting that this negative information be removed from my credit file immediately as this is hurting my credit worthiness. 


I have maintained copies of these notarized letters and dates. 

Thank you for your help.

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 2017-11-17
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Rushmore LM had offered me a trial modifcation on XXXX XXXX. I agreed to it, then withdrew and resubmitted to it. It was approved, at same time i was waiting for them to send reinstatement amount to NJ homesavers hardest hit. Then i recieved notification they recieved documents, i signed the paper work with NJ homesavers and they paid {$50000.00} to rushmoreLM. {$40000.00} for arears and legal fees, balance to reduce principal. I withdrew from the trial, it was approved by Rushmore LM, they took the funds from NJ homesavers, sent notifcation of this and modification withdraw. They never returned my {$6700.00} deposit for the trial modifcation, they said its not refundable, They kept the money. They diverted these funds illegally. The check says deposit for modifcation. If there is no modification, there is no need for the deposit not to be returned

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 have sent in a Identity Theft report from FTC to XXXX  Credit Bureau. Regarding two accounts that are reporting on my Credit file that are due to identity theft. This has been going on since 2019, and they refuse to remove these two accounts. I have requested on several attempts for them to please sent me their METHOD of how this investigation is coming back as verified? I have not received any documentation, signatures nor ID on file. I have sent in several disputes by Mail, Disputes online with the attached Identity theft reports and they refuse to further investigation and remove the accounts. I did not open these accounts and they refuse to remove these. 

from my understanding by law once I have turned in this Police/ Identity theft report, they are automatically supposed to remove those Fraudulent accounts. I am demanding that you CFPB have XXXX   to remove these accounts or Legal action under the FCRA act will be taken in place and I will have my legal counsel to begin the process of suing 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 2018-03-18
Company: Mercedes Benz Financial Services
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:
XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl, XXXX XXXX, XXXX XXXX, XXXX Re : Account Number XXXX To whom it may concern : I am in receipt of your companies letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records I am unable to find any original contract documentations of any contractual relationship between name of company XXXX XXXX, Mercedes Benz Financial, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX and myself which makes you a person in title to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of original contract to substantiate your claim. Provide me with a certified copy of an original contract with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who doolie swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of original contract will constitute your tactic agreement that you name of president and name of company are not entitled to force a claim against me. In the event you continue your collection without any proof of the original contract, i will file a complaint with The Attorney General and Federal Trade Commission and File a police report against you for harassment and invasion of privacy. You have 72 hours to provide strict proof of an original contract. In the event you can not provide strict proof of the original contract you must cease, dismissed, permanently remove any collection efforts and immediately remove any derogatory information reporting to the consumer reporting agency. If you transfer this account to an attorney or sell it to another Creditor without providing proof of the original contract, it will be immediately reported to the state bar association and professional liability found for code of ethics violations. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a complaint with Bank of America. The Dept. of Banking, State of CT gtransferred the complaint to you ( case : XXXX ). I was contacted after that by two employees of the bank ( Resolution Dept. ). I gave them, the information you already have and the claims dept. of their bank has. First they said they wlould call me on XX/XX/19. They contacted me on a different date and said they would get back to me today between XXXX-XXXX. They havde not. I attempted to call them at the number given me, but got voice mail. I left a message, but no response. I now feel .ike I am getting the run-around. The two people I spoke to were XXXX XXXX and two times after that XXXX XXXX ( sp? ). This has been going on sinvce the beginning of XX/XX/XXXX. Meanwhile I am out {$540.00}. I am on Social Secjufrity XXXX swhich is my only income. I have been short since this error occurred. I DID NOT get that money. I have been with the bank for 34-35 years. You would think they would show me some consideration. 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 2019-09-30
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have had nothing but problems with Loancare and no one at the company will help me!! They keep putting me on hold and then disconnecting my call. I am in tears as I write this because I am a very responsible person and make my payments ahead of schedule EVERY month!! I login today to make my payment before the XXXX of XXXX - it is supposed to be {$36.00}, and for some reason the payment requested is {$110.00}??? Mind you, I have a printed bill from Loancare stating my bill is {$36.00}, but they are telling me I owe 3 times more than that online and on the phone. They will not put me in contact with a supervisor to fix the issue and my payment is due tomorrow!! I don't know what to do! I am not going to pay a bill that is clearly inaccurate when I have proof of making my payments on time every month via bank statements and their bill saying what I really owe. I feel helpless and this is my first home and I have had problems every month just trying to pay my mortgage! I have never been late on a payment. I am going to get a lawyer if this is not resolved

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 2018-05-20
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Old information reappears or never goes away

Complaint:
I paid off two collection accounts with Portfolio Recovery ( accounts ending in -XXXX   and -XXXX ), the accounts are showing up on my credit report again. The accounts are stating that they are open again. Per law, Portfolio Recovery has 5 days to notify me of this and no notification has been received. The accounts have been PAID AND CLOSED. The receipts of these transactions are attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The following information XXXX XXXX is reporting on my credit report that is false and inaccurate. This is the third ( 3 ) letter requesting XXXX XXXX correct false information they are reporting to the Credit Reporting Agencies, ( CRA ). 

1. XXXX XXXX  is reporting a NEW bankruptcy for me to the Credit Reporting Agencies on my Credit Report dated XX/XX/XXXX. This is absolutely false and must be deleted. 
2. XXXX XXXX is reporting the account Condition as Derogatory. This is not correct. The account  condition is PAID. XXXX XXXX was paid-in-full {$14000.00} the claim XXXX XXXX asserted in my Chapter XXXX filing. 
3. XXXX XXXX is reporting the account Status as in a Payment Plan to all three CRA. This is not correct. This account was Paid-in-Full by the Bankruptcy Trustee. 
4. XXXX XXXX is reporting the account as Chapter XXXX : Wage Earner Plan Account. This is not correct. This account was properly included in Chapter XXXX filings and the Chapter XXXX Bankruptcy was Discharged on XX/XX/XXXX. 
5. This account is NOT in Chapter XXXX Bankruptcy. XXXX XXXX must only report the current condition of the account, ( elsewhere on my credit report my Bankruptcy is reported as a public record. It is not XXXX XXXX place to report a Bankruptcy on their portion of my credit report as my account with them is no longer in Bankruptcy. 
6. I sent letters to XXXX on XX/XX/XXXX and again on XX/XX/XXXX to correct the false information they are reporting to the CRA.

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 2019-09-30
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 don't recognize this accounts. I never applied for it, I don't have any contracts or agreements with this companies.

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 2019-09-30
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I C SYSTEM Last reported XX/XX/2019 {$790.00} Open balance 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 2018-03-18
Company: HCFS Healthcare Financial Services of TeamHealth
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For the last 3 months ( XX/XX/2018-XX/XX/2018-XX/XX/2018 ) I have contacted XXXX XXXX XXXX about a two debts reporting on my credit report that I owe the amount of {$950.00} and {$610.00}. I have requested them to provide me with a copy of any viable evidence, bearing my signature in which they have failed to do. I'm enclosing the certified letter that were sent to them and the response letters I received from XXXX. Each time they have sent me the same letter just change the date not validating my request.

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 2016-09-30
Company: WELLS FARGO & COMPANY
State: IA
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
On XX/XX/2016, as I was paying bills I noticed the balance of one of our accounts {$19000.00} less ( XXXX ACH transactions were made ) than where it should have been. I immediately called Wells Fargo to start the fraud claim. I received electronic confirmation that the claim had been submitted and to expect an update on day 5 and it to be resolved by day 10. I have checked the account each day and no reimbursement. On XX/XX/XXXX I called to get an update ; I provided the claim/reference number and the employee in CA stated no such claim existed. I provided her additional information to no avail. I must admit I got frustrated and hung up. I called back and was able to reach XXXX. XXXX was able to find the claim and was also able to add the third transaction which was not part of the claim originally. He informed me that there were no notes on the system. My frustration is the fact that someone, somewhere got away with {$19000.00} .... {$4300.00} on XX/XX/XXXX and XXXX transactions for {$7600.00} on XX/XX/XXXX. All transactions are coded with Health Savings. I do n't have an HSA and the amount is significantly higher than anyone is allowed to put in their HSA. With the fake accounts that WF is accused of, this makes me very nervous. Almost {$20000.00} is missing!!! We are a middle class family and can not afford this type of transaction to happen. I feel taken advantage of -- I want my money and am so tempted to pull all funds and sew them in my mattress. If a " big bank '' can not protect my money which we worked hard for, then what are we, the general public, supposed to do???

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 2019-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 submitted an official FTC Identity theft report to all three credit bureaus ( Transunion, XXXX  and XXXX ). I sent in my FTC ID Theft report, Local Police report, id, detailed letter, and all other documents stated necessary in the FCRA 605B. The documents were confirmed received on Tuesday XX/XX/2019 and signed at the USPS post office by someone named XXXX XXXX. 

In the detailed letter I included multiple accounts that were reporting on my credit history due to identity theft. Per the FCRA 605B, those items requested should be blocked as long as I met all the document requirements within 4 business days after the receipt of said documents. The FCRA 605B ( included in the attachments here ) specifically lists the documents that need to be submitted. I sent in all of those documents and they were received. HOWEVER, when I called TransUnion on Monday XX/XX/2019 to check the status on the request, the Fraud department specialist, XXXX, let me know that the documents I sent in did not meet their INTERNAL requirements. When I asked her what she meant. She explained that even though the FCRA has their guidelines and documents listed in their 605B, the credit bureaus have their own internal requirements that have to be met. She proceeded to let me know that if those internal requirements are not met, it doesn't matter what the FCRA says. I asked her to let me know what " requirements '' I did not meet and she said that it is internal and she can not disclose what they are. I reiterated that I sent EVERYTHING per the FTC and FCRA, and she said that eventhough that is true, I didn't meet their internal requirements. I asked her multiple times to please tell me what they are, and she refused. Those fraudulent accounts were supposed to be removed on Monday XX/XX/2019 ( today ) and she let me know that Transunion will not block them because I didn't meet those requirements, and instead are doing regular disputes that will take 30 days to respond. 

I submitted EVERY document the FCRA mentioned. This is ridiculous that, even though she didn't SAY it, she implied that they are above the FCRA. They need to block those accounts in the list I sent them IMMEDIATELY. TODAY is the last day per the FCRA. It is ridiculous that they are shrugging it off as a normal " dispute '' when they don't want to tell me what the " requirements '' i didn't meet are! 

The same applies to XXXX AND XXXX. I haven't spoken to them on the phone, but I checked my credit report for both of them today and the information has not been updated per the FCRA.

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 2019-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT. I HAVE NO KNOWLEDGE OF THESE ACCOUNTS AND INQUIRIES AND I DO NOT KNOW HOW AND WHEN SUCH ACCOUNTS WAS PLACED ON MY CREDIT. BECAUSE OF THESE NEGATIVE ACCOUNTS MY CREDIT IS IN A VERY HORRIBLE STATE. IT HAS ALSO BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT. 
I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2019-09-30
Company: CITIBANK, N.A.
State: IA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My bank sent in an overnight payment to payoff my outstanding credit card balance. The payment was delivered on XX/XX/2019 at XXXX which was the due date of the monthly payment. My bank did not include the full account number on the check, but it did have our names on it. Also, there were two other citi accounts being paid off and those payments were in the overnight delivery as well and were processed right away. However, the payoff to Home Depot was not applied. I called the company on XX/XX/2019 and after being disconnected once, routed through 3 departments and told by everyone I talked to that my account was past due and being asked if I was making a payment I was finally assisted by XXXX in customer service. He was able to find check by tracking back from one of the other accounts being paid off and could see that it had not been applied. He also noted our names were on the check. He said it could take another 3 to 5 business days for the payment to be applied and that when it was finally applied that they would go back and remove any late fees and interest. I then received calls on XX/XX/2019 and XX/XX/2019 saying my account was past due. I called in again on XX/XX/2019 and was told it could take 10-15 business days for the payment to be applied. In the meantime my account still shows as past due. I was told it should be revolved before it is reported to the credit bureau but that wasn't guaranteed because the rep that was helping me couldn't see that 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 monetary relief
Consumer complaint received 2020-05-01
Company: The Best Service Co.,Inc
State: CA
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:
On XX/XX/2020 I sent a dispute letter to the best service company because the credit bureaus said that they verified the debt they are reporting on my credit report is correct. The letter basically requested a copy of the contract that I apparently signed with them along with other pertinent documents to prove that they have a right to report to the 3 major credit reporting agencies. 

As of today I did not receive any correspondence from them. 

I have attach a copy of the letter mailed to them along with the certified mail reciept

Company response to consumer: Closed with explanation