BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Billing dispute for services

Complaint:
I intended to receive a free credit report using XXXXXXXX. At some point during this process I was signed up for paid credit monitoring from Transunion, which I only discovered when reviewing my bank statement. I never had any intention of signing up for Transunion credit monitoring at {$20.00} a month. 

I believe this was the result of deceptively arranged fine print and/or a box located at the bottom of a webpage. There are already numerous online accounts of consumers being signed up for unwanted monthly credit monitoring via the same process. I intend to immediately cancel my subscription and seek a refund for this unwanted product.

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 2021-07-14
Company: Upgrade, Inc.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
My loan matured XX/XX/2021. The payoff balance is considerably higher than expected. My monthly payment was {$590.00} and I owe {$320.00} in late fees, etc. which is {$910.00}. Upgrade is billing me {$1200.00} to {$1500.00}. They never quote the same number twice. I asked for Upgrade on several occasions to substantiate this additional amount and they have not. Now they are threatening to report me late to the credit bureaus if I do not pay. If Upgrade would substantiate the additional charges, I will pay them. Threatening to ruin my credit is not a reason to pay. My numerous phone calls and emails have been ignored. I have been left on hold for hours. I have been promised return calls, and have not been called back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
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:
idtheftvictim.Ineedtheseitemsremoved.fraudXXXXXXXXXXXXXXXXXXXXchapterXXXXbankruptcy

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 2019-07-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I want Experian to correctly report my credit information and stop trying to twist my arm into buying into their app services by reporting problems that dont exist and failing to update my XXXX XXXX, XXXX, and Experian reporting, and reporting illegitimate fico scoring that doesnt apply to my current credit status.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-16
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
Since XXXX of XXXX I have been disputing an account with Equifax for fraud and submitting documents to support I keep getting the same answer back. Back in XXXX I was a victim of identity I was also a victim of the breach with Equifax. I file a dispute in XXXX for XXXX XXXX XXXX the account was open under fraud I sent a copy of the police to the company and Equifax which both told me they would investigate and have it remove from my credit file month after month Equifax ask for more documents and continue to find the account valid I call today to dispute it again and they refuse to file a dispute took me thru all theses questions to pull my file just made it very hard when that the type of customer they to use to proven fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: Paypal Holdings, Inc
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Received an email from paypal. email address XXXX. They said " XXXX XXXX sent you a payment request. '' XXXX XXXX  payment request details : transaction No. XXXX dtd XX/XX/2019 amt requested {$290.00} USA pay now. _ I did not click the pay now in blue background button because I do not have a paypal account. The bottom of the email said " Emails from paypal will always contain your full name.To learn more please go to the paypal website and click security at bottom of page. Please don't rely on this email to get in touch with us. Click Help & Contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I closed on a refinance on XXXX19. Loancare was my new ( as of XXXX19 ) loan servicer. My closing/escrow/title company received a payoff dated XXXX19 which was good through XXXX19.

Title company wired the payoff to Loancare ( on XXXX19 ) as outlined on the payoff statement.

I then ( weeks later ) received a pastdue notice from Loancare.

Called this morning ( XXXX19 ) and was informed by Loancare that  the payoff funds were either returned to the title company or the wire was refused. 
The title company never received any funds/refused wire from Loancare.

Loancare is unable to tell me how they returned the funds. 

At this point Loancare states they refused the payment from or returned the payoff funds to title. Title does not have the money. 
My account is now showing severely pastdue, with additional interest accruing daily as well as penalties for nonpayment. 
My payoff statement which was good through XXXX19 was for  {$240000.00}. 
A Loancare rep stated the payoff should have been for {$250000.00}. 
This is a shortage of XXXX which was due to a tax payment made out of my escrow account on XXXX19 ( after the payoff statement was issued and before it was sent by title ).

I ordered a current payoff from Loancare today and it now says {$250000.00} if paid by XXXX19.

Title does not have the funds refused by/returned by

Loancare. Loancare does not have proof that they refused/returned funds. Title rep told me today that Loancare rep was supposed to c
all them back last Friday ( XXXX19 ) regarding this and no one ever called the

m ( this is new information as I just found out this morning about the entire issue ).

I am getting the runaround from Loancare when I ask to speak to someone who can verify/track the funds supposedly returned to title co. 

My payoff was dated the XXXX and good thru the XXXX. My title co wired it the XXXX. If Loancare refunded the money back to title or refused the payoff they should be able to show proof of that wire that was sent or proof that they refused the incoming wire from title. 

I have no history of missed or late mortgage payments. I typically pay early and pay extra. This is beyond frustrating.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian is reporting that I have a past due balance with XXXX XXXX XXXX XXXX  for {$4900.00} which is incorrect. I have no past due balance this account is paid in full.

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 2022-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 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. Per FCRA segment 605 CREDIT BUREAUS are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. The ITEMS are unknown to me. Also, the information provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some ITEMS are a mystery to me. Delete these items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-11-11
Company: ENCORE CAPITAL GROUP 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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX Credit Bureaus are willfully in violation of FCRA and condoning illegal behavior, they MUST remove this collection account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This complaint is being field against Select Portfolio Servicing ( SPS ) negligence, misrepresentation and deception. This matter surrounds events and conversations which took place between the dates of XX/XX/XXXX until XX/XX/XXXX, with SPS agents and supervisors. 

We received two separate loan modification offers one stating that a payment was due in the amount of {$310.00}, by the date of XX/XX/XXXX. The second modification offer was requesting payment by XX/XX/XXXX. 

Payment was made in the amount of {$310.00}, on or about XX/XX/XXXX. According to the SPS, agent XXXX XXXX, XX/XX/XXXX, it was discussed that at the time this payment was posted to the account that particular offer had been cancelled by SPS. XXXX XXXX, then stated that our loan had been approved for modification .what is known as a Streamline offer from the Investor. Payments were to be made in the amount of {$310.00} due by XX/XX/XXXX. 

As a result, XX/XX/XXXX, Call was internally transferred to XXXX XXXX, XXXX XXXX advised that she was able to concur with all of the information that XXXX XXXX had previously provided. 

XXXX XXXX, then suggested that since there was an approval for the Streamline offer, which didnt require payment due until XX/XX/XXXX, a payment only be made in the amount of {$2.00}. She stated that SPS, would apply the suspense payment of {$310.00} with the {$2.00} and apply it as a whole payment toward the modification offer valid at that time. XXXX XXXX, went as far as placing the call on an extended hold in order to acquire supervisor XXXX XXXX. XXXX allegedly gave his approval of the payment terms, to be applied as one payment the XX/XX/XXXX. 

As a result of both the lack of guidance in SPS agents XXXX XXXX and supervisor XXXX XXXX, the terms of acceptance of the XX/XX/XXXX, loan modification offer have been cancelled. These errors and misconduct have placed our home in foreclosure as well as SPS have collected payments and misapplied payments inappropriately which are violations nine recent categories of requirements under the provisions added by the Dodd-Frank Act to the Truth in Lending Act ( TILA ), and, therefore, reside in TILAs implementing regulation, Regulation Z, 12 C.F.R. Part 1026 ( Reg. Z ). The remaining six arise from Dodd-Frank amendments to the Real Estate Settlement Procedures Act ( RESPA ) ; those six reside in RESPAs implementing regulation, Regulation X, 12 C.F.R. Part 1024 ( Reg. X ). [ 1 ] and the FDCPA 1692e : Debt collector false statements and misleading representations are prohibited. 
. 

SPS, is now demanding that we start this process all over and they have failed to apply modification payments accordingly. This is an error made by SPS and we demand that our payments be applied as according to the events that surround this complaint.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This complain it against Fifth Third Bank. ( for the past two days ) everything starte a week ago I was receiving phone call, no name? no phone number? the phone was ringing for 2 minutes hang up. On XX/XX/XXXX I receive a phone call between XXXX afternoon a person giving me his name XXXX XXXX XXXX XXXX the first thing I thought you know this is a scam I don't know anything I bought collection he has all my personal information the person that started telling me my name he knew my name he knew my social security number!! that's against the Federal law ( the 42 sec. " " 408 Whoever ( 8 ) this disclose uses, or compels the disclosure of this social security number of any person in Violation of the law of the United State should be guilty of a felony and up conviction thereof be fined on the title 18 or imprisoned for not more than 5 years or both. '' And this individual was threatened me with legal document they I needed to sign it and there was threaten me to come to my house for my signature. according to my ucc-1 The Uniform Commercial Code I file a New York with my trademark copyright with my deceased letter they I have send to every Institution,. I'm not in the public sade, I'm a private individual protected under my ucc-1 trade name copyright.. 
Whoever violate my private security agreement trademark copyright can be up to XXXX action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX, continues to report outdated, derogatory remarks to my TransUnion Credit Bureau, in spite of several disputes regarding inaccuracy. They remarks state " BANKRUPTCY DISMISSED ''. I do not currently have a bankruptcy reporting on any of my credit reports. 
I disputed the remarks twice with TransUnion Credit Bureau on XXXX and on XX/XX/20. Received a response from TransUnion on XXXX and on XX/XX/20 stating " account has been verified ''. 

Additionally, XXXX XXXX XXXX  FAILED to mark this account as " DISPUTED BY CONSUMER '' upon receiving my dispute within 30 day time frame of dispute. 

I also spoke with a XXXX XXXX XXXX representative, XXXX id # XXXX, by phone on XX/XX/20, who stated the account is reporting accurately and that there was nothing they could do. 

This inaccurate/derogatory information continues to negatively affect me financially and emotionally.

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 2019-07-01
Company: JPMORGAN CHASE & CO.
State: FL
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 bank with Chase, all my bank accounts are with them and Chase reported a late payment to my credit, this was a mistake. 

This all started when my car got broken into and my purse was stolen from my car, the thieves used my credit cards and checks to commit fraud, Chase closed and re issued my bank account and credit cards, before this happened my accounts were all set up on automatic payment and my bank statements were set up paperless, after chase reported a late payment to my credit I found out that they reissued new accounts but never linked the services properly as I had before the robbery. One of my credit cards got a charge from XXXX  of {$30.00}, since I was under the impression that I had automatic payment I just trusted that the balance would be paid, this did not happen. After the balance was past due over 30 days, chase contacted me to tell me I owed a balance, I paid immediately, they still reported the late payment to my credit. 

I contacted Chase 's credit reporting department, they read all the notes of the robbery, they even saw that notifications of my monthly statements were not even coming into my email as their system shows that emails are being rejected by the server for some reason, I showed them that I paid on immediately when I was notified, they saw the balance on my personal checking account and business checking account, still, this was not enough for them to remove the late payment report. 

I am in the process of refinancing my home, my credit dropped by 40 points because of Chase 's negligence and this is affecting me tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: U.S. BANCORP
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
My name was legally changed in XXXX. I have been trying for months to get Fidelity to change my name on my credit card. All of my other credit cards updated my name long ago. I also asked them to please address me by my correct name in our correspondence, since it's rude and hurtful to call me by the incorrect name. 

They persist in addressing me by the wrong name in correspondence despite my requests. This is especially frustrating because our correspondence on this issue has dragged on for months at this point. There is no good reason for them to use the wrong name when messaging me once I have pointed out that it's inaccurate and hurtful. 

Additionally, they have not provided me with the means to change my name. They first told me I would need to fill out paperwork they sent to me in the mail. It took about a month for the paperwork to arrive at all. I sent it back immediately and then they sent me a new credit card with my old ( incorrect ) name on it. 

When I followed up with them about why they sent me a new credit card with the incorrect name, they informed me that I hadn't provided evidence of a legal name change. They had not previously requested such legal evidence, despite the fact that we had been corresponding for 2 months at this point. I had filled out the paperwork they sent me about a month prior, and that paperwork never made any mention of wanting legal evidence of a name change, and therefore also didn't describe what they would accept as legal evidence of a name change. I've attached here a photo of the paperwork they sent me ( by mail, with about a month 's delay after I requested the name change ) and that I completed related to the name change, which demonstrates that they did not request any legal evidence or describe what such evidence might entail.

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 2019-07-01
Company: TRANSWORLD SYSTEMS INC
State: AK
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX keeps calling after I have asked her to stop. I told her to only call a certain number & then to stop calling all together. She has been calling without consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
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:
id theft victim. please remove these accounts due to fraud 1 ) XXXX XXXX XXXX XX/XX/2018 {$390.00} 2 ) XXXX XXXX XXXX XXXX XXXX closed XXXX XXXX balance {$1800.00} 3 ) dept of ed/XXXX {$36000.00} 4 ) Dept of ed/XXXX  {$36000.00} 5 ) XXXX/XXXX  {$4600.00} 6 ) XXXX  XXXX XXXX {$3700.00} 7 ) XXXX XXXX XXXX   {$3700.00} 8 ) XXXX XXXX {$3600.00} 9 ) 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 2019-07-01
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:
id theft victim. please remove these accounts due to fraud 1 ) XXXX XXXX XXXX XX/XX/2018 {$390.00} 2 ) XXXX XXXX  XXXX XXXX credit closed XXXX XXXX balance {$1800.00} 3 ) dept of ed/XXXX   {$36000.00} 4 ) Dept of ed/XXXX {$36000.00} 5 ) XXXX {$4600.00} 6 ) XXXX XXXX XXXX   {$3700.00} 7 ) XXXX XXXX XXXX {$3700.00} 8 ) XXXX XXXX {$3600.00} 9 ) 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 2019-07-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I bought concert tickets and was scammed for XXXX dollars. The person I was buying from never sent me the tickets. I transferred him the money through 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