BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-02
Company: Key 2 Recovery, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Does your agency have a debt collection license in Virginia? If so, please provide the name on the license, the license number and the telephone number of the state agency that issued the license. I pull my credit report recently and found out that XXXX XXXX XXXX : ORIGINAL CREDITOR : XXXX XXXX XXXX ACCOUNT # XXXX. I am filing this complaint against them for non-compliance violations. I wrote them a letter of validation on XX/XX/XXXX certified mail with return receipt. They received on XX/XX/XXXX. The XXXX XXXX, did not response with in 30 days. By not replying in timely manner to my initial letter, you have not only violated federal and state laws, but you have also failed to provide me with copy of any viable evidence, bearing my signature, showing the account is being reported accurately. The following non-compliance violations:1 ) They show no proof that they have an agreement with the original creditor to collect this alleged debt. 2 ) They have no copy of a signed contract where I allegedly agreed to pay the charges. 3 ) The medical bill reveals personal medical information about me. ( This is violation HIPAA- HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ), rules prohibit disclosing my individual 's protected health information unless you specifically authorized them to. 4 ) Creditor is reporting history inaccurately such as last date reported and last activity dates are all wrong : The case US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan. This defamation and causing me financial injury. The fine extent of damages incurred by the wronged party as deemed by the court. 5 ) Collection agencies " Re-Age '' by reporting the date of last activity instead of the date of the first delinquency. 6 ) Collection Agency, has not validated my debt and they are still continue to report to the credit bureaus. Consumer protection afforded by the FDCPA Sec. 809 ( b ) FTC opinion letter Cass from LeFevre fine. Be aware that I am making a final goodwill attempt to have you clear up this matter by removing this item from my credit report. I am maintaining a careful record of my communication. I further remind you and the credit bureaus as in Wenger v. Trans Union Corp., No.95-6445 ( C.D.Cal. Nov. 14, 1995 ) you may be liable for your willful non-compliance. This matter is harmful to me especially doing this COVID-19 pandemic please delete immediately. Please answer all those questions on the attachment and send documents we requested. Are your claim is not justified. We will be pursuing legal matters for damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: LD Holdings Group, LLC
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 status incorrect

Complaint:
Loan Depot is incorrectly reporting an installment account as 120 days delinquent every month through at least XX/XX/XXXX to XXXX when it is not. The account was charged-off in XX/XX/XXXX and now has a {$0.00} balance. Loan Depot is reporting a balance of {$8800.00} when it should be {$0.00}. It appears they may be dual reporting the account as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
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 recently took a look at my credit report and there are accounts listed that do not belong to me, I am a victim of identity theft

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 2021-03-02
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
called multiple times last call today XX/XX/2021 today at XXXX request itemized statement was told one was already sent but i never receive one but was told they cant send another one, im just asking for one but was told no no no we cant send another.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: Pacific Union Financial, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have a mortgage that the company holds us in escrow. In reviewing our tax history they have not paid our taxes on time for the past 4 years of taxes, and of course it comes out of our escrow so we actually are paying these fees, the fees total {$430.00}. I contacted the Federal Trade Commission and they advised me to contact you regarding what we can do. I did email the mortgage company and they gave a non-answer or explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied for a Wells Fargo 0 % transfer card online on XX/XX/2021. I was instantly approved and they requested my transfer account numbers which I did not have hardly. They sent an email stating I could pick up the application later and continue. I came back 5 days later and finished the app and they said it was delayed. 

I called and they said they upon further review they changed their mind and I was denied. But they did not send me a denial communication. 

If they had I would have had time to apply for a different card before this one dinged my credit. 

This is wrong. It's probably allowed because the system protects banks over people but it is wrong.

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 2017-08-01
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
In XX/XX/XXXX, my husband XXXX XXXX XXXX and myself decided to revise our XXXX XXXX XXXX. XXXX deposited {$25000.00}, and began the revitalization process. Unfortunately, XXXX became ill and quickly his health deteriorated. On XX/XX/XXXX, XXXX passed away. However, XXXX never had the opportunity to get my name added to the account. I contacted PNC on several occasions informing them of the death and that the company would be ceasing preparations and would remain inactive, therefore I would like to close the account. I presented the original Articles of Incorporation for the company, which was established in XX/XX/XXXX. I presented XXXX death certificate, estate filing records, account information and all bank information. I was able to get all information except deposit information from XX/XX/XXXX, when he received a major deposit from VA XXXX. I needed this formation is to verify any monies not accounted for! I spoke with the manager at XXXX XXXX, Md PNC and the office of the District Manager of the XXXX area, each promised a return call, however, I should not call them back! I never heard from either office!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
When you have a credit card why, put a hard inquiry on your new card use.it go use from 234pt down why douse help are give a bad wrap thats not helping.i pay on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: Data and Contact Management Solutions, LLC
State: AE
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I purchased a phone from XXXX XXXX in XXXX 2019, at the time I purchased the phone, I notified XXXX that I may have to move for an overseas assignment with the U.S. government. After I moved overseas, I notified XXXX and they send me instructions of how to return the phone and assured me that I would not be responsible for any further charges on the phone once they received it. I returned the phone per the instructions from XXXX, but the Post Office lost the phone on route. I have the tracking number ( XXXX ) to show that the phone arrived XXXX XXXX, Texas where the XXXX facility is located, but it did not arrive at the XXXX facility. I contacted XXXX, which assured me that I would not be held liable for the phone because it was the Post Office, not me, that lost it. However, XXXX nevertheless reported me to a debt collection agency and also perpetuated fraud by false reporting that I was deceased. I contacted XXXX, and the first representative and their supervisor assured me that the charge would be deleted from my account, but then the third representative from their collections department repudiated all the statements that previous XXXX representatives had told me and said that I needed to pay the debt collection agency the full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to dispute some accounts in my credit report. I am a victim of identity theft, and I did not make these transactions I am requesting that the charges be removed. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.

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 2018-07-16
Company: Experian Information Solutions 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:
This XXXX XXXX XXXX account # XXXX has been " Paid-in-Full ''. The account is not in a " Payment Plan ''. It should be listed as " Closed ''.

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 2018-07-04
Company: CITIBANK, N.A.
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: Account status incorrect

Complaint:
I made a phone call to Citi Bank ( CBNA ) which is shown on my credit report. It is on there because of a XXXXXXXX XXXX XXXXXXXX Card. The card was paid off in XX/XX/XXXX, I have proof of the card having a XXXX   balance. I am trying to get a home mortgage. Due to them having this on my credit report I need a letter from them. I spoke with 5 individuals one being an account manager who all hung up the phone in my face. When I finally spoke with the 6th person I wad told that I could not get a letter regarding the false information they reported on my credit report. These phone calls happened on the morning of XX/XX/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 2021-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 am filing this complaint because the bureaus have ignored my request to provide me with the documents that their company has on file that was used to verify my accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly " delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. 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 2018-07-04
Company: AMERICAN EXPRESS COMPANY
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
At approximately XXXXXXXX XXXX on XX/XX/2018, I received an email from Amex Serve indicating that my card was " in a negative balance. '' I immediately checked online, and discovered that my card had been charged {$790.00} by " American Express Stores. '' Upon calling the customer service number, I was informed that " the system '' had experienced a 'glitch, '' that my account was " fine, '' and they were " working on the problem. '' It is now Wednesday, and despite numerous calls to customer service ( and being placed on hold for an average of 1 1/2 hours each time ), my account is still in a negative balance. I spoke with someone named XXXX from the Fraud Department at approximately XXXXXXXX XXXX EDT on XX/XX/XXXX. " XXXX '' admitted that the problem was at their end, that I had done nothing wrong, and the problem " should be fixed by lunchtime. '' Well, here I am, still with a cleaned out account, and when I call AMEX I get a recording advising that they " are experiencing unusually high call volume, please call again later. '' I just called again, and after giving the representative my identifying information, she claimed she couldn't hear me, and disconnected the call. Now I am on hold again, after the previous hour 's wait. This is inexcusable on several levels ; first, that the " glitch '' happened in the first place, second, that there appears to be no remedy, and third, the inept customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: SCA Collections, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX i called SCA collections spoke with agent was able to help me to an exted i request itemeized statement was told yes i will send to your address stated they cant file with my insurance or medicaid. XX/XX/XXXX - i was looking for more information to become resposnsible but not willing to share or help me.

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 2018-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Have been disputing with the credit bureaus since these have reported on my credit and they still have yet to send any type of verification. The last certified mail was received over 90 days ago on XX/XX/2018. They are not associated with me and I have been fighting it since I found out it was inaccurate on my reports and its making it impossible for me to do what I need to do credit wise, I couldn't even go on my house loan so it is just my husband because its reporting negatively and they aren't my accounts. I can't continue my education and get my XXXX  now. Every time I reach out to the companies or bureaus the time frame seems to be starting over of when it will be removed. When I have reached out to the bureaus in regards to this and disputed them and nothing is getting done and it is extremely unfair. I have 10 plus phone numbers on my account and only one is  actually mine. The FCRA gives the company 30 days to respond and it has been over that time frame even from the last letter.

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 2018-07-04
Company: Security National Automotive Acceptance
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
In XXXX I brought a car in XXXX ga. From SNAAC I fell behind in payments due financial hardship with my military pay. I tried several times to ask the company for help or set up reasonable payments I was paying XXXX for XXXX XXXXXXXX XXXX. They called and harrassed me threatening to pick up my car and lying to my command that I wasnt cooperating with them and got me in trouble. I got out of the XXXX XXXX XXXX and I have them a call again to ask can the payments be lower because I was discharged from the XXXX and I was bed rest for the remainder of my XXXX. They decline and harassed me and call my family members tell them to pay my car note or they will take. They repossessed my car and then double the price to get it back. I had to borrow money from family to get the car back because I had no transportation with XXXX babies. They damage the vehicle stole radio out and damage the frame of the car towing it. All my items for missing from my car as well.They only paid for the radio and threatening me if if I called them back to fix my car they will come back and take it. They made me sign a ridiculous contract to get my car back and I did I was unemployed and XXXX XXXX XXXX with no car and no family. XX/XX/XXXX my XXXX XXXX I had my daughter 6 months early and I was hospitalized for a month and my daughter  was in the XXXX for 3 months I missed my payment due to my XXXX XXXX. They stop answering my phone calls for me and sold my car at the auction and then call me back a year later pay the balance. Please help me this has ruin my credit and this is still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: LoanCare, LLC
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been trying to make a one time payment on my account since XXXX because last month my autopay stopped working for the first time in over a year. I assume this is due to me trying to add {$100.00} towards my principal balance every month on my autopay since that is the only change I've ever made in my account. None of my attempted payments have gone through and my bank has said twice now that they are not seeing any attempt to charge my account. Loancare keeps adding return fees and late charges to my bill and the representatives will just hang up on me instead of helping me resolve the issue. After being told multiple times by a representative over the phone and receiving email confirmation that my XXXX payment went through, it has not. I contacted Loancare via phone today to try to resolve the issue again and got the representative to double check my routing and account information. My account number was incorrect. How is this even possible when I have been on autopay over a year and not touched or changed it at all? You'd think a representative would check those things first if there were an issue but not one person I spoke with actually tried to help me out. Loancare is making it impossible to pay my monthly bill and none of their representatives actually stay on the phone to help. I've also reached out to Loancare via email and they sent " give us a call ''. The least helpful 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 2018-07-03
Company: MONEY SOURCE, INC., THE
State: NE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My wife and I have had nothing but problems with the money source. Despite have a fixed XXXX year mortgage, our mortgage rate goes up every year. We have an escrow account and are now being told our escrow is short over XXXX. We are not receiving satisfactory explanations as to why this is occurring. We do understand that because we have had financial difficulties due to medical expenses certain concessions have had to be made. However due to the payment arrangements, our payments have been larger, not smaller. It is irritating that when we call in there are no automated options and we are forced to speak with a bureaucratic representative who has no business judging our situation. We are forced to explain the same situation over again, even though it's in the notes and nothing has changed.to a paper pusher with no medical or legal degree. There is no online payment option when you're behind on your payments. The company makes everything as inconvenient and punitive as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation