BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX and also I have attached my Police Report that I filed on my local Police Department. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX, XXXX OF XXXX XXXX, XXXX OF 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 non-monetary relief
Consumer complaint received 2020-09-09
Company: Mr. Cooper Group Inc.
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Nationstar mortgage llc / Cooper Was the servicer for my home loan I sold the house, closed/distribution was on XX/XX/2020. 
Loan was paid in full.

The loan escrow account had over {$3300.00} I was told by servicer I would be sent a check. It was sent to my old address. I called in XXXX and updated my address, nothing happened, never received escrow. 
I called in XXXX, I was told I would receive a check for the escrow. 
They sent a check for {$2.00} I want the full escrow amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have had a Zale 's store charge card for about one years. The first balance was to be paid off in 12 months without interest. Zale 's set the minim per month to below the 12 month payoff amount, so they can charge back interest, not off on time. I charge some other items that should payoff in 3 years. Now I just found out that if I do n't pay almost 3 times the minim each and every month, This balance will not be paid off They tell me it is up to me to make sure I do the math and divide the balance and make sure I am paying enough. So My complaint is they need to be up front on their billing and change their billing practice to make sure you know how much to pay each month, and change the minimum payment to so the consumer is not caught off guard thinking they will have the balance paid off on time. This is a SCAM for all Zale 's customers. Please look into this. thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
Bank of America has charged interest on my account immediately after my purchases. I was under the assumption that there is a required 21 day grace period.

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 2019-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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:
There are many mistakes appear in my report without my understanding.

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 2019-04-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2015 Reported Limit {$1700.00} Reported as Identity Theft Filed complaint with Credit reporting to have it removed. They have not removed it. 
Contacted the credit card company and they can not verify the debt belongs to me. 
Portfolio Recovery is saying I owe them {$2300.00} took me to court and provided false documents and could not verify the debt was mine. I filed and appeal with the court and a counterclaim was placed against Portfolio Recovery. awaiting court date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08
Company: Navient Solutions, LLC.
State: MA
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  University is a scam. I did not know this when I was trying to better myself and agreed to enroll when stalked by these predators.   I understand now the scheming ways of this " organization ''. I only attended for a few months online when I realized it was a farce and I would get nowhere with an accreditation from them. Not a real school.   The loans were already underway when I withdrew and now Navient has destroyed my credit. It has been years and years. I have tried reasoning and working with them to no avail.   Even though I am now receiving benefits from Social Security and can hardly get by they will not accept my proof of benefits or work with me. They want everything I have, continue accruing interest and over  XXXX  dollars is the balance. I will continue to fight them. Please beware of these predatory schools they give you nothing and will try to take everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: WELLS FARGO & COMPANY
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
On or about XX/XX/XXXX I initiated a balance transfer of {$7200.00} from XXXX XXXX to Wells Fargo bank. Wells fargo did not give me access to the money until XX/XX/XXXXstateing they could not find it in their system because the account access number on my actual physical card was used instead of the main account number. I sent proof of the cashed check showing they cashed the check and had the money in their possession since XX/XX/XXXX. The account access number and the main account number both go back to the same account so they should have been able to locate and give me the money much sooner than they did. Since I had to take cash advances from other cards to compensate for the {$7200.00} they had tied up for approximately a month and a half I requested to be compensated on some level for the extra expense their time delay caused me. I requested to be compensated {$300.00} or waive the balance transfer fee of 4 % on 1 future balance transfer from one of my Wells Fargo credit cards. They said they wo n't do anything.

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 2017-11-13
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. 
I am a victim of identity theft and noticed a collection from AD ASTRA RECOVERY. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against AD ASTRA RECOVERY in  regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Since XXXX I have called Macys about my credit protection. I asked several times for the contact information and havent been provided the information. When ever I received a call I asked about the credit protection ( insurance ). Instead I always receive a letter stating that I requested they didnt contact me. I have asked several times for this to be corrected and each time information and no correction was done. On Monday XX/XX/2019 I had to make five calls, speak to a supervisor, and fake manager. Ive been told that I dont have credit protection and about a program that had nothing to do with what I was asking. When I finally got on the phone with XXXX she stated that I did have credit protection and apologized for the lies of the last representatives. She then began to tell me about other customers not having it and that had nothing to do with me. I asked for the number several times and then she told me I dont want it. I asked to speak to a manger but was transferred to an operations support specialist XXXX who claimed to a report for me and that he saw that Ive been requesting the information. He apologized and promised to look into that matter. XXXX was suppose to contact me and its been a week. Customer service informed me the extension and number that he gave me wasnt correct. I called today XX/XX/XXXX and everyone is acting as if they dont understand. Macys has fraudulent employees that pose as if theyre managers. XXXX didnt file a report or investigate the credit protection 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 2019-04-08
Company: Turner Acceptance Corp.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was a joint account holder on this account.. The account was settled in court and paid by the cosigner. The company is still reporting the full balance on my credit report when this was settled in court and paid in Full. Please remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
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: Investigation took more than 30 days

Complaint:
On XX/XX/2022. Transunion, XXXX, and XXXX failed to produce an investigative report on XXXX XXXX XXXX XXXX accounts posted to my consumer report. It is a violation of my consumer credit rights to report on a debt I never validated. It is identity theft to transfer or allegedly transfer a taxpayer identification number without the authorization of the taxpayer to aid and abet a form of payment. It is tax fraud to not sent copies of 1099c and 1099 OID to the taxpayer by XX/XX/XXXX of the following year. It is a violation to assign say any consumer owes a debt and that any debt is seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department. That is a violation of 15 USC 1692e, no lawyer, no collection agency or allege credit grantor can act as a debt collector.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-02
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: Credit inquiries on your report that you don't recognize

Complaint:
I recently contacted Transuion to dispute the reporting of inquiries on my cerdit report # XXXX I communucated that the following inquiries were fraudulent and filed a complaint with the FTC. A copy of the FTC report # XXXX the dates for these inquiries were incorrect and should be the dates below. 

XXXX XX/XX/2021 XXXX XXXX XXXXXX/XX/2021 I have communicated with Transunion multiole times and still the items remain. 

The is a XXXX credit card associated with my company XXXX XXXX XXXX but its a XXXX card associated with XXXX not this inquiry. 

the additional inquiory with XXXX XXXX is fraudulent and I have never had an account associated with XXXX XXXX even with them solicting me for business multiple times.

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 2017-11-15
Company: JPMORGAN CHASE & CO.
State: CA
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 keep receiving phone calls from the number XXXX XXXX XXXX claiming it is from Chase. I XXXX the number and find that some posts said this is a fraud while some posts claimed that it is from Chase fraud department. I contacted Chase on XXXX and they confirmed that they did NOT contact me and that is a fraud. 

I contacted Chase credit card online and sending them the information above. In response, the customer support just sent me a cookie cutter response saying how I should handle a fraudulent phone call, rather than looking into my email and taking real actions to stop the phone number that I reported. These people are so organized that they set up fake posts on the internet to support it is legitimate and XXXX number that we can call back. I mentioned to the bank that this phone number was dated back many years ago and the bank should at least contact the phone company to block it. My second email received yet another useless response. After 2 more attempts, I realized that 1. Their customer support including their fraud department was poorly trained on how to handle security issues  2. They have no intention to take followup action on my reported incident. 
3. Their response is just cookie cutter response without really looking at the problem. 
4. They do not take any proactive actions even though these people started using the same number and pretend to be Chase since XXXX XXXX. 

I have also attached their last response from Chase in the attachment and indicated how improper about their response even after 3 attempts from me asking them for real actions. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: TekCollect Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I received a XXXX alert where someone added an address to my credit file that did not match any of the addresses where I stayed or have on file with XXXX. XX/XX/XXXX, Tek-Collect added a collection to my credit file that did not belong to me. XX/XX/XXXX I sent a letter to Tek-Collect requesting they send me any information validating this debt. On XX/XX/XXXX XXXX XXXX. XXXX sent me a document from XXXX XXXX XXXX. After carefully examining the document there was the address that was added to my  credit report and the person 's birthdate that did not match mine. I responded on XX/XX/XXXX informing XXXX XXXX that the debt was not mine, I never lived on XXXX. XXXX, that was not my doctor and certainly not my birthdate. I did inform him that on XX/XX/XXXX that someone added the XXXX XXXX address to my credit file. After waiting several weeks, I did not get a reply from Tek-Collect and the error remained on my credit file. XXXX and XXXX, after receiving my proof of address, utility bill and valid driver 's license with  birthdate, they promptly removed the collection from my credit file. However, this debt remained on XXXX. On XX/XX/XXXX I file a dispute with XXXX ( confirmation # XXXX ) disputing the address and the debt collection. They asked that I send them a valid driver 's license, copy of my social security card or XXXX form and Utility Bill in my name within 24 hours of my dispute, which I did. 
On XX/XX/XXXX XXXX said 'if they were able to make changes to my credit report based on the information I sent, they have done so. Otherwise, we, ( XXXX ) contacted the company reporting the information to XXXX for them to investigate your dispute. 
- We request that the reporting company verify the accuracy of the information you disputed ; - We provided them with any relevant information and supporting documentation you provided us with the dispute to consider as part of the investigation and - We request that they send XXXX a response to your dispute and update their records and systems ' As of XX/XX/XXXX, I  have not heard from Tek-Collect and XXXX sent all my personal information they requested Tek-Collect and the collection remains on my credit report. Now, I 've found out that my personal information through XXXX has been compromised. I want this debt collection removed from my credit report because it is not mine.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-08
Company: Ditech Financial LLC
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage and escrow with Ditech. I received an annual escrow analysis dated XX/XX/XXXX that states only 1 of 2 county tax bills had been paid in XXXX. 

On XX/XX/XXXX, I both called and wrote an email to Ditech asking for clarification on the missing XX/XX/XXXX payment. 

Today, I received a letter from Ditech stating " all taxes are paid current and there are no prior year delinquencies '' without any verification or further explanation. Another copy of the XX/XX/XXXX escrow analysis was included which clearly states only 1 of 2 tax payments was made in XXXX. 

My county tax department shows I still have an amount due from XXXX. 

I have wasted too much time on this issue to deal with Ditech 's incompetence in researching their mistake. I will be cancelling my escrow with Ditech and file complaints against them as well.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: TekCollect Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, a company named TekCollect sent me a threatening letter falsely stating I owe {$13000.00} to XXXX XXXX. 

While XXXX XXXX did perform work for me, all amounts owed by me were paid. There has been no presentation of invoices for the {$13000.00} claim. Nothing regarding any work, all of which was brought to a close in XX/XX/XXXX. 

Also, the TekCollect letter is titled " Final Notice '' when no notice whatsoever was received prior to this letter. And, the letter includes no supporting evidence, such as invoices, for any amount owed. 

TekCollect is threatening to ruin my credit record. I called the phone number on the TekCollect letter, and a very young person answered, with " Hello? '' I had to ask if I had reached the TekCollect office -- and it was never made clear if TekCollect actually has an office. 

Thank you for any assistance you can provide with this false claim. 

The TekCollect address is XXXX. XXXX XXXX XXXX, OH XXXX TekCollect phone number = XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
XX/XX/XXXX I send a letter to Naviet requesting all original documents signed by myself of my orginal loan with XXXX XXXX. A lady emailed me some papers with no original signed documents XX/XX/XXXX. The docments are not signed by me and the look fake and made up. In XX/XX/XXXX I lost my job and became XXXX. I called XXXX XXXX informed them they said I 'm ok for 12 months abd not to worry. They sold my loan with informing me. I ended up with somehow Naviet being my loan company and they charged me double the amout of my loan. My loan was for {$3700.00}. So far I 've paid {$3500.00}. I explain this to Naviet in my letter. They say I owe {$7200.00}, yet I 've paid {$3500.00}. If you look up my loan online it say I owe {$8400.00}. My loan is actually increasing. And I 've been making payments since XX/XX/XXXX. Their not providing any real documents, I never signed anything with them or anyone but XXXX XXXX. My balance should be {$190.00} with a couple of late fees. I 've sent multiple emails back requesting all documents from them and XXXX XXXX and the do n't respond. I 've called and even left messages with the lady assigned to me. I 've attempted to find my old loan the got from XXXX XXXX XXXX passed on by XXXX XXXX and they changed names and do n't have no documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08
Company: Experian Information Solutions Inc.
State: IL
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:
These are all inquiry that I did n't give permission to run my credit credit bureau still report and inaccurate information XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX lease XX/XX/XXXX cont XX/XX/XXXX bank XX/XX/XXXX I only applied to XXXX lines of. Credit and neither run your credit score to get approval it 's secured credit card

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08
Company: EQUIFAX, INC.
State: IL
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:
These are all inquiry that I did n't give permission to run my credit credit bureau still report and inaccurate information XX/XX/XXXX one main XX/XX/XXXX-XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX lease XX/XX/XXXX cont XX/XX/XXXX bank XX/XX/XXXX I only applied to two lines of. Credit and neither run your credit score to get approval it 's secured credit card

Company response to consumer: Closed with explanation