BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-03
Company: Resurgent Capital Services L.P.
State: PA
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 've asked XXXX to ensure the information on my report to verified, accurate or otherwise removed from my report under the Fair Credit Reporting Act. 1st attempt was via email in which no removal was made only " Updated '', confirming there information was indeed incorrect. Next letters was sent through register mail, which a result of " Verified '' to account which they updated in previous dispute. I has asked for original copy contracts which XXXX must have on file and received nothing to day. Last correspondence stated XXXX will no longer investigate any further on the specific accounts I have already disputed. These oversights have cost me to be decline for credit. I have also at XXXX  request reached out to Debtor citing " Debt Collection Practice Act '', Section 1692g, and as of today never received a response. Which bring to question XXXX 's verification process. Information has been duplicated with same account number with different variations of Debtor company name.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03
Company: SYNCHRONY FINANCIAL
State: PA
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 've asked XXXX to ensure the information on my report to verified, accurate or otherwise removed from my report under the Fair Credit Reporting Act. 1st attempt was via email in which no removal was made only " Updated '', confirming there information was indeed incorrect. Next letters was sent through register mail, which a result of " Verified '' to account which they updated in previous dispute. I has asked for original copy contracts which XXXX must have on file and received nothing to day. Last correspondence stated XXXX will no longer investigate any further on the specific accounts I have already disputed. These oversights have cost me to be decline for credit. I have also at XXXX request reached out to Debtor citing " Debt Collection Practice Act '', Section XXXX, and as of today never received a response. Which bring to question XXXX XXXX verification process. Information has been duplicated with same account number with different variations of Debtor company name.

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 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2021-09-09
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
On XX/XX/XXXX I received 2 letters from a law firm ( clearly soliciting for debt resolution and had been forwarded to me from my last address ) informing me that Chase Bank had filed 2 lawsuits against me for non-payment on the 2 credit cards that I had with Chase Bank. 

I was laid off in XX/XX/XXXX permanently due to COVID-19. At that time I resided in XXXX, XXXX. 

I moved to XXXX, XXXX  in XX/XX/XXXX. 

On XX/XX/XXXX I entered into an agreement with XXXX XXXX XXXX to consolidate all of my credit cards. I had 4 credit cards. The only company that would not negotiate for a settlement was Chase Bank. 

I left XXXX XXXX state at the end of XX/XX/XXXX and returned to XXXX, XXXX  on XX/XX/XXXX On XX/XX/XXXX I did a change of address with Chase Bank to reflect that I was once again living in Texas. 

The lawsuits are filed in XXXX County Supreme Court, NY. I have never lived in XXXX County. I lived in XXXX County, NY. 

I have not been served any papers as of yet but I do not want to end up with a default judgement either. 

Why would Chase Bank not work with XXXX XXXX XXXX? 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24
Company: Dovenmuehle Mortgage, Inc.
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed on my mortgage in the amount of {$160000.00} with XXXX XXXX XXXX for the property in XXXX, Mississippi on XX/XX/XXXXat the office of XXXX XXXX XXXX. The monthly mortgage payment for the coming year was set at {$990.00} of which {$750.00} would be for principal and interest and {$230.00} would go into an escrow account to cover the annual tax payments of {$1700.00} and insurance payment of {$970.00}. The escrow cushion set by the loan service was {$470.00}.

I began paying my mortgage as agreed on XX/XX/XXXX in the amount of {$990.00}. On XX/XX/XXXX I was sent a notice by XXXX XXXX XXXX  that my monthly loan payment was going to increase from {$990.00} to {$1100.00} due to the results the annual escrow analysis showing a shortfall of {$1400.00}.

My insurance premium was paid in XX/XX/XXXXin the amount of {$970.00}.

I began paying the new mortgage payment of {$1100.00} in XX/XX/XXXX.

My tax payment was for the XX/XX/XXXX tax year was paid on XX/XX/XXXX in the amount of {$2900.00}.

Although my taxes and insurance amount only added up to an amount that would have resulted in a mortgage payment of {$1000.00} every month, in XX/XX/XXXX I began paying {$1100.00} as instructed and have paid it on time every since.

In XX/XX/XXXX I was informed that my loan was being transferred to Dovenmuehle and that I would begin making payments to them in XX/XX/XXXX.

As instructed I began making payments in the amount of {$1100.00} to Dovenmuehle inXX/XX/XXXX.All of my payments were on time so my mortgage was not in default.

On XX/XX/XXXX I received a correspondence from XXXX XXXX XXXX XXXX that I the escrow shortage is {$2500.00} and that my mortgage payment would be increased again beginning in XX/XX/XXXX to {$1200.00} due to an escrow shortage.

My taxes and insurance have already been paid for XX/XX/XXXX. Based on my previous years tax assessment and payment and my insurance premiums the projections for XX/XX/XXXXtaxes and insurance will be around the same amount as I filed my homestead exemption in XX/XX/XXXX. I actually calculate my total payment to be {$1000.00}.

However, I am being charged an amount of {$540.00} over my principal and interest payment that will result in my paying a total of {$6500.00} into an escrow account that will only disburse a projected {$3900.00} for insurance and taxes between XX/XX/XXXXand XX/XX/XXXX SOMETHING IS VERY WRONG. Where is the other money going? THIS IS FRAUDULENT DOUBLE BILLING AND DOUBLE DIPPING.

In light of previous housing and banking scandals I am making this complaint to CFPB, HUD, and the attorney general 's office as this kind of double dipping places a hardship on homeowners and will result in financial devastation and many foreclosures just to line the pockets of unscrupulous lenders and mortgage servicers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
There is a hard inquiry on XX/XX/2018 from XXXX that states it is a airline/hotel credit card but I have not applied for anything. I have read several complaints on this " nonexisting '' company. Company information is as follows XXXX. XXXX XXXX XXXX, FLA XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: GLA Collection Company, Inc.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The company continues to call and this was paid in full - The doctor 's office neglected to file the claim appropriately as they filed it under the wrong patient name thus my insurance declined the claim. I have talked with the insurance company and they paid the claim and the doctor 's office cashed their check in XX/XX/2018. The collection agency will not remove off my report. This should never had made it on my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: NAVY FEDERAL CREDIT UNION
State: CA
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 have been XXXX XXXX the last six filing dispute on mortgage payments reflecting proper balances on the credit reports.I keep getting the runarounds.The balance shows XXXX and we owe 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 2019-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 just received a letter from a Loan agent reguarding my credit score and it appears these 3 credit bureaus are implecating false statements against me which is totally a lie and i am about to file a lawsuit against all 3. I have reported to you before the incorrect information each displayed as deliberate reporting to hurt a consumer and they are at it again this time they have gone way over the line and made up a bunch of lies that are not true! All have been scanned and documented. It is time either Federal or who ever is in charge put a stop to these trolls and their misuse of public credit. I will never apply for credit again, once my car is paid off and cc ; s I will save up if it takes me 30 XXXX years and pay in full with out their XXXX XXXX XXXX   interference. I have had it with these liars and they are nothing more than a bunch of incompetant XXXX  NO EDUCATION and trumped up XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: Paypal Holdings, Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Seller Beware. This is in regard to an XXXX auction that went horribly wrong- transaction dateXX/XX/XXXX.

On XX/XX/XXXX the XXXX buyer filed a complaint with XXXX stating they did not receive the auction item ; eventhough the package was sent through XXXX with signature required, and XXXX is showing the item as delivered on XX/XX/XXXX.

On XX/XX/XXXX, XXXX  sided on behalf of the buyer and initiated the refund process. In trying to navigate through the XXXX  refund process I inadvertently hit the " accept refund '' button. Hitting this button caused XXXX  to initiate an E-Check against my bank account through their partner PayPal in the amount of {$4000.00}.

On XX/XX/XXXXwe called XXXX   to try to get them to stop the refund, as there was clearly a mistake, and we needed to provide them with more information, as we strongly believed this to be a case of fraud. XXXX claimed they were not capable of stopping the refund, as all the controls relative to canceling or redirecting an electronic payment were on the side of PayPal. According to XXXX they are only the selling platform, and PayPal is the financial institution. We then called PayPal, and PayPal claimed there was nothing they could do, as XXXX had initiated the E-Check payment. We called XXXX back and they told us it was up to PayPal to pull back the funds. We called PayPal back, and they said there was nothing they could do. After getting bounced back and forth between PayPal and XXXX we called our bank and filed a dispute to stop the payment. Our bank launched an investigation and settled the dispute in our favor.

On 4/11/18 PayPal responded to the stop payment from our bank and returned the funds. Later that same day they issued a refund to the buyer in full ( {$4000.00} ).

We continued to work with XXXX  and PayPal to rectify this injustice, and on XX/XX/XXXX we provided the results of an internal XXXX  investigation showing the buyer received all items associated with the auction, to include copies of signatures and tracking details. We continued to be bounced back and forth between XXXX  and PayPal, as each continued to point the finger at the other as the party capable of providing some relief for the potential fraud. At this point there is absolutely no resolution, and PayPal is coming after us for the full amount of the refund they sent to the buyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: EQUIFAX, 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:
equifax, XXXX and XXXX has some inquiries and accounts on my credit report that are not mine. 
last four of social that is not mine : XXXX- not mine INQUIRIES that are not mine : XXXX/EQUIFAX MORTGAGE SERVICES- not mine XXXX XXXX XXXX- not mine XXXX not mine XXXX XXXX XXXX-not mine XXXX XXXX-not mine XXXX XXXX XXXX- not mine XXXX XXXX XXXX XXXX- not mine XXXX-not mine XXXX XXXX XXXX- not mine XXXX & XXXX XXXX XXXX XXXX- not mine XXXX XXXX XXXX XXXX not mine XXXX- not mine accounts that are not mine : Creditor : XXXX XXXX XXXX Account : XXXX I have no knowledge of this account XXXX XXXX XXXX Account : XXXX I have no knowledge of this account Creditor : XXXX XXXX XXXX Account : XXXX I have no knowledge of this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I took the proper steps to get these accounts deleted XX/XX/2013{$30000.00} XX/XX/2013{$440.00} XX/XX/2013{$0.00}

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 2017-12-03
Company: Southwest Credit Systems, L.P.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was a customer of XXXX XXXX XXXX wireless for over SEVEN YEARS, and I paid my bills ALWAYS. However, I DID NOT RECEIVE any wireless services from XXXX XXXX XXXX for the five months or so ( i.e. XX/XX/XXXX-XX/XX/XXXX ) because there were technical problems with my receiving the wireless services that I was being billed monthly for. I lodged NUMEROUS COMPLAINTS with XXXX XXXX XXXX in-store Managers, who in turn, contacted XXXX XXXX XXXX Tecnical Support Services on my behalf to rectify the problem, but no avail. 

Also, XXXX XXXX XXXX REFUSED yo replace or REPEATEDLY put up barriers to replacing my XXXX XXXX even though I had been duly paying for the Insurance Cover/ Premium every month. This would have enabled me to receive the wireless services that I was being billed for, if the problem had been with the XXXX itself. This went on for several months. As a result, I had no option but to CLOSE THE ACCOUNT in XX/XX/XXXX-by switching over to XXXX XXXX XXXX. And I have been paying monthly ever since. Just like I paid my monthly bills with XXXX XXXX XXXX Wirelessly for over SEVEN YEARS!!! 

Against this backdrop, I believe that XXXX XXXX XXXX 's Bill for sum of XXXX XXXX is UNLAWFUL and is a retaliation against me for exercising my legitimate right.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24
Company: TRIAD FINANCIAL SERVICES, INC.
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
The original contract that was signed XX/XX/XXXXbut dated XX/XX/XXXX, was told to me that it was an Offer by the bank, it was two part of the contract The mortgage and the lot rent, the lot rent was never signed because I didnt agreed with the Lot rent nor know about the amount {$530.00}. At this point Im still being treated like a renter and told. I was told to paid my closing fee XX/XX/XXXX. I was coerced into signing an offer contract. I was told by two parties that if I didnt bring money on XX/XX/XXXXand XX/XX/XXXX that I was going to be evicted and not qualify to own my home and they needed my rent money if I wasnt going to proceed with the purchase. It was lack of commutation on all parties along with improper documents being receive and given between each other. There was a mistake in entering into the contract and the contract was based on misrepresentation of facts. I was misled into believing I close on the home on several different occasions. I never receive any paperwork until XX/XX/XXXX. I ask on numerous occasions for my paper work. Was told they were going to be mailed to me ; which never was. XXXX XXXX as the new mortgagee also reported to my Credit Report XX/XX/XXXXof this new installment account that was signed XX/XX/XXXX but dated XX/XX/XXXX but didnt take over the loan until XX/XX/XXXX. I dont know when I close but took a final payment of {$750.00} on XX/XX/XXXX, was told it was my closing fee. Therefore this account was reported illegally to the Credit Beaus on my behalf. I was showed on numerous occasions of the company showing mismanagement of funds. I paid out {$4200.00} all the way up toXX/XX/XXXX, and still dont fully understand where my money went towards. I am owed {$870.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
On XX/XX/2022, i opened an account with capital one, received my card in the mail but never used, as i pull my report up i see inaccurate reporting of late payment and a high balance.i also did not receive any written notice whatsoever about any late payment. 
i would like to address this immediately and get this negative removed from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-09
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: Experian Information Solutions Inc.
State: CA
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 have been XXXX XXXX the last six filing dispute on mortgage payments reflecting proper balances on the credit reports.I keep getting the runarounds.The balance shows XXXX and we owe 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 2021-07-06
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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation