BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-11
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:
Several Hard Inquiries listed on my report that do not belong to me XXXX, XXXX Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2021-03-25
Company: National Credit Adjusters, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not my debt!! This is due to Identity Theft, I have already contacted this agency several times to remove this account from all three credit bureaus as well as cease and desist all collection efforts. I plan to seek litigation against this agency as well as the creditor due to the effect this has on my credit and will seek punitive damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: WELLS FARGO & COMPANY
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This complaint is being sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act., 15 USC 1692G ( Section 809 ) that your claim is disputed, and validation is requested.

I must demand proof of this debt, specifically the alleged contract or any other instrument bearing my signature, as well as proof of your authority in this matter. Absent of such proof, you must correct any erroneous reports of this past debt as mine.

I ask you to provide the following information 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( F ) in this alleged matter?

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state?

5. Please evidence proof of the alleged debt, specifically the alleged contract or other instruments bearing my signature?

6. Please provide a complete account history, including any charges added to this collection agency or any account?

7. List of all names and contact information of all employees that was spoke to regarding this account or collection?

You have thirty ( 30 ) days from the receipt of this notice to respond. Your failure to response, on point in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume you have placed this on my credit report in error and that this matter is permanently closed. Provide the proof or correct the record and remove this invalid debt from all sources to which you have reported it.

For the purpose of 15 USC 1692 et seq, this notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be deemed necessary. This is a request for information only, and is not a statement, election or waiver of 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 explanation
Consumer complaint received 2019-05-03
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I'm contacting you in regards to my mortgage company. My mortgage company put forced home insurance on my account which I never approved or authorized or signed for. They are trying to bill me for about 3 months for having a lapse in coverage and they tell me that it will only cover if my four walls fall down, which I've never heard of a insurance company not covering more. The amount that they are charging is almost how much I pay for home insurance in one year. They sent me a bill on XX/XX/2019 for {$1000.00}. I contacted them and told them that that was way more then it should be. They said that they couldn't credit or waive any amount and wouldn't work with me or speak with me anymore about working with my account. I then sent in my XX/XX/2019 payment for {$1000.00} and they never applied my payment to my account. I contacted them and asked them why and they said that I hadn't paid the amount that they had billed extra for the home insurance and since they didn't get the whole amount that they wouldn't be able to apply the {$1000.00} to my XX/XX/2019 payment. Now it's XX/XX/2019 and I contacted them again and they said since they hadn't received the whole amount that they are charging for the XX/XX/2019 bill that they are going to report it to the credit bureau as late. They are basically holding my payment as ransom and refuse to apply my payment to my XX/XX/2019 bill. Not only that, but when I send in my XX/XX/2019 payment for this month of {$1000.00}, they will apply whatever they want to the XX/XX/2019 bill and they deduct that amount from the XX/XX/2019 payment, then my whole XX/XX/2019 payment will not be applied and then they will wind up marking that as late also and holding that payment ransom also, even though the bill will be on time. Then I will keep being late on my account, having it reported to my credit, and them taking whatever they want out of my money to supposedly apply it to the home insurance, but I really believe that they are scamming me out of my money and want to have them investigated and reported and for this to be taken off.

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 2017-11-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX I filed a claim with my auto insurance company for damages to my car. I got the work done on the car and paid for it with the insurance money back in XX/XX/XXXX. XX/XX/XXXX they returned the check saying it wasnt properly endorsed. A whole year and a half later without warning. The check was for {$3500.00} which overdrew my account and absorbed my pay roll check. Leaving me with no money. Ive called usaa over ten times and talked to countless reps. They have hung up on me everytime. No one can answer my questions there just leaving me to wait or hope that I just stop calling. Usaa managers have promised to call me back and refuse To call me or take my calls. Ive been with usaa 8 Years and in the service for 8. I  thought usaa was for the soldiers/members. With the check being over a year old they should have contacted me so that I could have set my finances up not take a lump sum garnish me. Also they froze my brokerage account and wont allow me to transfer funds out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: CITIBANK, N.A.
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I hired XXXX XXXX XXXX XXXX to shuttle my vehicle and trailer from XXXX XXXX, Arizona to XXXX XXXX, Arizona, a distance of XXXX miles. While my vehicle was in the care of XXXX XXXX XXXX XXXX, it was driven XXXX miles. 

I disputed the charge of {$350.00} with my credit card company, CitiBank, and they agreed with my dispute, but the merchants bank would not refund the charge.

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 2019-05-03
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Spoke with Wells Fargo loss mitigation dept. I was informed by the relationship manager XXXX XXXX that since my wife XXXX XXXX wasn't on the deed of the property and we were using her income I could not be considered for a mortgage modification. XXXX also stated I was welcome to review the FHA guidelines on line.I was also told a request was submitted to postpone the property foreclosure sale by Wells Fargo Loss Mitigation Dept. Per XXXX with Wells Fargo the sale date was not postponed. I have sent my wife proof of income and I don't understand why they refuse to assist me with the mortgage I've been trying to get mortgage assistance from my servicer for over a year now, I have a FHA loan, I read a spouse income can be used for income to modify a mortgage. Wells Fargo hasn't changed the way they do business the staff is uncaring and not interested in assisting the customers. I do want to pay my mortgage

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 2021-06-07
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
hello my name is XXXX XXXX ive had mortgage transferred thru different lenders and have done several loan modifications still owe almost as much as i did when i purchased home in 2003 las t modification was extended another 8yrs with higher rate and rates were lower than they had ever been during covid so i had 22yrs they ext to XXXX for XXXX in late pymts no one at that company can explain how they came up with that math this loan was bad from the start was promised a lower rate at closing than i actually got need this explained to to because it doesnt add up

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a debt notification letter from a collections agency first one dated XX/XX/XXXX and received a second notice on XX/XX/XXXX. It appears this was for a rental unit in XXXX, Fl and I reside in XXXX XXXX XXXX FL since XXXX. The period for the rental unit was from XX/XX/XXXX thru XX/XX/XXXX per an itemized statement they sent to me. The total of the debt is {$17000.00}. I picked up a call after numerous calls from this collections agency named FCO ( Fair Collections and Outsourcing, Inc. ) I explained to them that this is a case of Identity Theft and I was the named person on the bill however the bill is not my responsibility as I have never resided in XXXX, FL.

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 2018-12-16
Company: EQUIFAX, INC.
State: MS
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 am the victim of identity theft. I have sent XXXX XXXX certified mail, return receipt mailings, asking them to provide proof that this is my debt, such as my signature and to date, they have not responded. Also, I am providing a partial copy of my Equifax credit report, showing that a payment has been made on the account on XX/XX/2017 AFTER the account has been charged off. Under the FCRA 605 ( c ), this is a violation of my rights by trying to " re-age '' this account by falsely updating the last date of activity on my credit report in order to keep reporting the negative information longer. I did not make a payment on this account. and want this unverified account removed immediately from all of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: DISCOVER BANK
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This complaint is being sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act., 15 USC 1692G ( Section 809 ) that your claim is disputed, and validation is requested.

I must demand proof of this debt, specifically the alleged contract or any other instrument bearing my signature, as well as proof of your authority in this matter. Absent of such proof, you must correct any erroneous reports of this past debt as mine.

I ask you to provide the following information 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( F ) in this alleged matter?

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state?

5. Please evidence proof of the alleged debt, specifically the alleged contract or other instruments bearing my signature?

6. Please provide a complete account history, including any charges added to this collection agency or any account?

7. List of all names and contact information of all employees that was spoke to regarding this account or collection?

You have thirty ( 30 ) days from the receipt of this notice to respond. Your failure to response, on point in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume you have placed this on my credit report in error and that this matter is permanently closed. Provide the proof or correct the record and remove this invalid debt from all sources to which you have reported it.

For the purpose of 15 USC 1692 et seq, this notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be deemed necessary. This is a request for information only, and is not a statement, election or waiver of status XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-26
Company: JPMORGAN CHASE & CO.
State: MT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Years ago I purchased a home and my mortgage w/ Chase bank . I have tracked them for years holding up my checks from clearing my account for months ( 3-6 ). I have tracked it for years w/ complaints to my State Attorney general. HE doesnt care, probably bribed not to look. My bank records are Never correct. I will have less than twenty dollars in there and my balance says thousands from Chase holding the checks. Since no one has been able to help, I have to keep records at home, give up my debit card and all payments online b/c I never know what is going on. Last month Chase wrote and said I have over 80 grand equity. Now I am notified my loan w/XXXX XXXX and equity 20 grand a month later. I have spoken w/ many people in my state of Montana and Chase is doing it to them. Lifes hard enough, banks rich enough. Id get fired if I didnt do my job right. Why are they in business. Americans deserve better and we are sick of our government serving banks not the people. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I was in chapter XXXX bankruptcy and paid into it to resolve all these debts but i am still being contacted by these agencies. please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: Credit Karma, LLC
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a savings account with Credit Karma. I deposited {$3000.00} from a XXXX XXXX XXXX account. I then changed my linked account to a XXXX XXXX savings account. I was informed this account was nontransferable. 
Ive been trying to switch it back to my XXXX XXXX XXXX account to take the {$3000.00} out, but the app will not let me connect a new account. It says there is an error on Credit Karmas side. 
Ive contacted them. They said Ill hear from a specialized team, yet I have not. 
Ive tried two different banks, both checking and savings, on data and wifi, on a phone and a computer. I tried to link a new account manually using the account and routing number as Credit Karma suggested. Every time I get the same message.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I was quoted a low interest rate when I purchased my vehicle only to find out my interest rate was super high once i signed the paper work. Now that I'm behind Capital One refuses to lower my interest rate by letting me refinance because existing customers are not allowed to refinance with them which makes no sense. I'd like to refinance and lower my car payment. Im upside down in my car and ive lost my job and need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16
Company: EQUIFAX, 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:
XXXX XXXX as the lender never sent me any billing statement, nor payment alert, nor payment book, nor notice if there's any overdue. Yet they report I had 1 late payment for no more than 2 weeks. 

How can they expect customers to pay when they don't send customers billing statements? 

I still don't know my loan number, I have not seen my billing statement, and I have not seen the due date at all. 

It is not right for XXXX to file such claim to damage my credit, given I had 28 years of excellent credit history with no late or missed payment and my credit score was XXXX. Now it dropped to XXXX because of XXXX XXXX false claim. 

In addition, credit bureau does not inform me when they dropped my score drastically for a single late payment that was not even my fault. Credit bureau did not investigate at all, they merely report what lender says. But when the lender is a bad lender such as XXXX, then consumers like me are not protected. We are being bullied by big businesses such as XXXX and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16
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:
XXXX XXXX as the lender never sent me any billing statement, nor payment alert, nor payment book, nor notice if there's any overdue. Yet they report I had 1 late payment for no more than 2 weeks.

How can they expect customers to pay when they don't send customers billing statements? 

I still don't know my loan number, I have not seen my billing statement, and I have not seen the due date at all. 

It is not right for XXXX to file such claim to damage my credit, given I had 28 years of excellent credit history with no late or missed payment and my credit score was XXXX. Now it dropped to XXXX because of XXXX XXXX false claim. 

In addition, credit bureau does not inform me when they dropped my score drastically for a single late payment that was not even my fault. Credit bureau did not investigate at all, they merely report what lender says. But when the lender is a bad lender such as XXXX, then consumers like me are not protected. We are being bullied by big businesses such as XXXX and credit bureaus.

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 2018-06-25
Company: Stanislaus Credit Control Service, Inc.
State: GA
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 was checking my credit report because I received an alert stating a collection was placed on my report. I don't know who this company is or why they reported debt to my credit. I haven't received anything from this collection company.

Company response to consumer: Closed with non-monetary relief