BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-24
Company: CCS Financial Services, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Sent a letter asking the company to verify or provide me with what money they say I owe, a detailed explanation of how they have that information, a verification or copy of judgement if applicable, name and address of original creditor, proof that the statute of limitations has not expired etc.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: ONLINE Information Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This account was reported on my credit report. It was previously with another collection agency and when i t was with first agency, I updated my mailing address and made a payment. It then transferred to Online Information Services. I never received notice of the debt and my right to dispute via mail from Online Services. I was only alerted to it being moved to another agency by checking my credit report. I contacted Online Services  on  XX/XX/2017    and spoke to  XXXX   ( refused to provide last name ) to clari fy what address they had on file and they stated they had a previous address ( in which I no longer reside ). When I asked for deletion from my credit report ( after I made the payment ) based on the fact that an initial notice had not been sent to my current mailing address, I was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I am still XXXX and have tried dealing will of these issues. I have not worked since XXXX, 2015. I am still disputing their mortgage amounts, they continue to charge me for an impound account my loan amount is XXXX the letter states XXXX. I am attaching a letter with the last mortgage payment returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29
Company: Financial Credit Service, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
ARA INC. is threatening to sue me and seek judgement on a credit card debt that is XXXX years old which is well past the statute of limitations. They have presented no facts or paper work and I do not beleive that I owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: SYNCHRONY FINANCIAL
State: NY
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:
on XXXX/XXXX/XXXX  I purchased 3 seats to XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX ORDER # XXXX I was told to verify my email address i did so and the tickets would be emailed to me THESE TICKETS WERE NEVER EMAILED to me at i sat in the parking lot with no tickets I disputed this charge and was lied to several times from VIVID SEAT and SYNCHRONY BANK telling me the had proof these tickets were in fact sent to me and never were I have asked to have this case opened three times and still no proof this is a complete scam i will not pay this charge of {$800.00} as I never received any tickets Please help

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 2020-03-24
Company: U.S. BANCORP
State: CA
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:
I called US Bank Visa credit card ending in XXXX requested a forbearance as I was impacted by the Corona virus and they denied my request and us Bank Visa Credit Card indicated that if I was 30 days late they would report it to the credit reporting companies

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 2016-05-15
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I owe Chase Bank roughly {$2000.00}. I am living on SSI income so I have no way of paying that. I mailed them documents stating I had " won '' money. They said they wo n't accept that as payment. XXXX. I also wrote the postal inspector about these " sweepstakes '' being potential scams and they have done nothing to solve this financial joke. XXXX? Why do these " enforcement '' agencies not do anything to go after scammers? My local police do n't XXXX about mail fraud, but on the show " XXXX XXXX '' they state mail fraud is a felony. an someone get off their XXXX and help me solve this problem with my bank so my credit is not ruined? Police would rather pull me over for my traffic signal not going on than mail fraud I get in the mail stating I am owed all this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: DISCOVER BANK
State: WI
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: Card was charged for something you did not purchase with the card

Complaint:
My Discover Card was charged with purchases I did not make. I contacted Discover and they initially gave me a credit. I asked them to close the account and they said I didn't have to close the account due to the fraud, that they would handle it. All purchases were reported and they assured me they will take care of it. They issued a replacement account and then put all of those fraudulent charges on the replacement account. I tried to dispute again but they didn't take care of it. I ended up paying a total of {$1100.00} between the fraud and the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
An anonymous person made a fraudulent payment on both of my accounts as they are connected thru the app. I advised them i had not known about it and would like to make a dispute for it and they will not help me or restore the account so i can handle my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card
Issue: Sale of account

Complaint:
I had a credit card with Washington Mutual Bank which was bought out by Chase Bank who then reissued the card with the Chase Bank Logo on it. In XXXX my husband became unemployed for 6 months and we had no income whatsoever. Chase bank refused to work with me and marked my account as a charge off. At that time there was a balance of approximately {$2000.00}. At current this debt shows on my credit reports with a balance of {$3500.00}. I would like to file damages under File No. XXXX In the Matter of : CHASE BANK, USA N.A. andCHASE BANKCARD SERVICES, INCFurther I would like to have this item removed from reporting on mine and my husbands credit bureau reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: JPMORGAN CHASE & CO.
State: AR
Product: Credit card
Issue: Balance transfer

Complaint:
I took out an 18 month 0 % interest from my Chase credit card. It was due XX/XX/XXXX ( meaning XX/XX/XXXX ) but I thought that it meant XX/XX/XXXX. The due date on the card for the monthly payment was something like XX/XX/XXXX, I paid the balance off on XXXX XXXX to avoid any interest charges. They still charged me {$80.00} in interest. I contacted Chase 3 times, they told me that it was due to my billing cycle which ended XXXX XXXX, and that there was nothing that they could do, they could not even take the interest off. You pay a fee when you do these things, so I know they made their money, but they had to trick me into thinking that the due date was XX/XX/XXXX in order to make a little more. Although I had been a customer since XX/XX/XXXX, this did not matter, I payed the interest and canceled the card. Then someone told me I should do this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-09
Company: EQUIFAX, 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 have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately. They are a result of fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
All 3 credit companies told me that they have validated the debt and the debt is valid. However, when I asked for the Method of Verification and who the representative spoke to I received a generic answer. I was victim of 2 data breaches I have not received any validation from XXXX, TransUnion, XXXX they violated FCRA611. I requested that they don't use e-oscar for this and instead verify that they have the contract of my signature onsite for FCRA 609a1a. I challenge that because I never received substantial information such as an original signed consumer contract from none of them. During this time period I did some research and the Fair Credit Reporting Act mandates that all credit bureaus report ONLY valid information and accurate information. If the Credit Bureaus can not validate this debt to me with a contract then how can they confirm this debt is valid. I requested this information from all 3 agencies per FCRA and FDCPA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-09
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage has been in forbearance within protection during covid 19. I realize that has ended. During this time, my Husband has had XXXX XXXX, thank God that has slowed down some. But have debt from it. My Husband is retired and can no longer work. 

I have been XXXX  for quite some time. I have been a caregiver to my Husband as well as a caregiver to my XXXX XXXX XXXX Mom. My XXXX began again in XXXX of this year. At this time, my hours are part time. However, I do have an XXXX store. I currently only have one client, but I am processing his payroll and taxes. 

I had begin a new trial plan and was unable to pay the amount due. I have been talking with them and informing them of everything going on. Seems to fall on deaf ears. Things are improving as far as earning is concerned. Don't get me wrong, I am still struggling. 

I had an appointment with XXXX XXXX @ PHH Mortgage early this month. I was never called. I checked my calls on my phone. They never called. So, now a new appointment is scheduled -- -- -it 's either the XXXX or XXXX. They are dragging out the time. I tried to make a payment and it has been refused on more than one occasion. Supposedly I am supposed to be receiving paperwork. It takes 10 days to come. So what date will I receive this if I do? When I was speaking with someone else with the mortgage said I didn't have to be concerned until after this month. I would like things to be taken care of this month. 

I do not want and will not lose my home. I could be treated more fairly I feel. I would like the behind part of my mortgage ( which is around XXXX ), to be put on the end of my mortgage. Most of this XXXX is from covid 19. I feel this is PREDATORY LOANING. Yes the covid plan ended at the beginning of the year ... .a few mortgage payments do not add up to XXXX! The percent of my mortgage is from 1 to 2 %. At this current time, it is 2 %. I would like for my mortgage to stay between 1 to 2 % and the covid 19 forbearance amount moved to the end of my mortgage. I do not think I am asking for much. 

In early XX/XX/2022, a tree fell on top of our home. I have been staying in a hotel every night because my lender placed insurance has no coverage for displacement. Then they wonder why I am still having financial issues. No one should have to go through this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Franklin Collection Service, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Franklin Collection Services Inc. is attempting to collect money on a debt that is not owed. They are inaccurate in their complaint, because no such debt exist. They are asking money for an XXXX XXXX XXXX payment in the amount of {$410.00} for XX/XX/2021. All final payments to XXXX XXXX XXXX were paid by me in XX/XX/2021 and XX/XX/2021 per my bank statements ( see attached ). I paid {$290.00} in XX/XX/2021, and the final payment owed of {$260.00} in XX/XX/2021 ( see attached bank statements ). So, there are no payments due to Franklin Collection Services , Inc. on behalf of XXXX XXXX XXXX. The bank statements clearly shows the final payments being paid to XXXX XXXX XXXX. Please immediately delete this collection account from all three credit bureaus. 

Section 623 ( e ). The Fair Credit Reporting Act prohibits information furnishers from providing information to a CRA that they know or have a reasonable cause to believe is inaccurate. Please delete the inaccurate information from all three of my credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: KY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I started a loan modification process with HSBC back I XX/XX/XXXX, due to a loss of income with my husbands passing. I received a phone call, saying I was approved, and I needed to make the first two initial payments over the phone that day. I did I paid {$1900.00}. for XX/XX/XXXX and XX/XX/XXXX. Since then I receive calls no paperwork just calls every to to three days telling me they are still working on it. I did make my XX/XX/XXXX full payment even though HSBC advised me not to. I decided to refinance simply because the rate is lower and I was tired of waiting. My financing is all approved and last week we did a conference call between XXXX XXXX, myself, and HSBC. On this call they stated everything was current and my balance was around XXXX. We requested that this would be faxed to XXXX and when they received the fax it shows a balance of XXXX and XXXX in interest plus it shows me default for XX/XX/XXXX, XX/XX/XXXX, and soon XX/XX/XXXX. 
I contacted them. They said I had two deferred payments years ago, which I did and they are charging me 5,700 in interest on those two payments. The rest of the XXXX is my interest for non payment of XX/XX/XXXX and XX/XX/XXXX. They acknowledge they have my money for all three months, but now they are saying they will not apply it to my account for up to another six months, till the loan modification is done. So I will be in default till then, which will kill my credit. I asked to take me out of the loan modification and explained that I needed this refinance, and they simply said no, we can not. I have asked to speak to a manager, and was told there was no XXXX available to help me. Now when I call them or anyone calls them on m behalf, it disconnects them when they input my information. I have been XXXX up front with them since my husband passed away and all I am trying to do is keep my home and make my payment affordable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 2022-04-09
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 have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately. They are a result of fraudulent activity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-07
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX Card debt currently in collection with Transworld Systems , Inc. Current Balance Due : {$6500.00} however ; Federal Tax garnishments ( paid ) were never applied to balance:XX/XX/XXXX= {$1400.00} ; XXXX {$1600.00} ; XXXX {$570.00} ; XXXX {$1000.00} ; XXXX {$680.00}. Total garnishment= {$5300.00} highest balance on card {$5200.00}. Transworld amount due is incorrect. Also transworld is adding Collection Charge and interest totaling {$2900.00}. XXXX XXXX # XXXX Debt collector may not collect any interest, fee charge or expense ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: Law Office of Cynthia Hitt Kent, LLC
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This mater is in reference to a collection placed on my XXXX XXXX HOA account going back 7 years. I have made numerous payments on my account but the balance never decrease. Based on my account records with the Law Office if Cynthia Hitt Kent, LLC there a number of payments that has not been credited to my account. I have contacted the collections office on many occasions identifying this issue. No action has been taken to update my account with the collections agency ; in turn there are all kinds fees and interest charged to my account. In my communication I have submitted copies of checks chased on my checking accounts. Fails information is forwarded to my HOA Board and they are taking legal action against my assets.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I am writing to submit a complaint about unfair credit practices by Toyota Financial Services ( TFS ). I have tried XXXX times, unsuccessfully, to resolve the matter with TFS and am submitting this complaint. 

TFS has filed derogatory and incorrect information on my credit report XXXX. TFS claims that my payment history is " XXXX, XXXX and XXXX, '' whatever that means. I *think* they are saying I had late payments, but even asking for clarification on what that means was met with resistance from TFS. In fact, when I questioned the meaning of that phrase, they took it to mean that I was acknowledging it was correct ( see the XXXX set of correspondence to understand what I mean ). 

The payment history TFS placed on my credit file is incorrect. TFS never XXXX sent me a letter stating my account was late. TFS made absolutely no attempt to cure any debt with me, until XX/XX/XXXX 2014 when I finally received notice from a collection agency that there was a due amount. When I contacted TFS, they removed the collection and accepted payment. They never, EVER, contacted me to inform me there was any late payment. ALL payment to this account was made under the terms of agreement with TFS and with XXXX persons on the loan. 

To summarize : TFS made XXXX attempt to notify me of any payment XXXX XXXX ) due. To claim now that there were late payments is simply incorrect and now they are damaging me credit. I have maintained a perfect credit rating my entire adult life ( almost XXXX years ) and am baffled as to why TFS is trying to XXXX over. 

I am attaching all correspondence between myself and TFS. 

I request that TFS remove all derogatory information on my credit report/profile. I was never late with payments and am being treated with disrespect. 

Best, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-01
Company: Central Portfolio Control Inc.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving repeated calls either daily or weekly from various numbers claiming to be Central Portfolio Control. I attempted to reach out once through email, but I was not told anything further about why they are calling me. Sometimes they leave messages and sometimes they do not, but they have never identified themselves as a debt collection agency in any message they have left. Once I received a text message from a different number claiming to be them. I have received no written notification of any kind about why they would be contacting me. I do not have any debts owed.

Company response to consumer: Closed with explanation