BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these item within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: TransferWise Ltd
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
TransferWise has scammed me. They have blocked my account and they didn't back my money. They sent me fake wire transfer proof. It is not my account number. Please help me in this case

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: MONEY SOURCE, INC., THE
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, The Money Source processed a mortgage payment from me. On XX/XX/XXXX, The Money Source sold my loan to XXXX XXXX. The Money Source is required to forward those funds to the new servicer within 60 days. They have not. I called and spoke with both XXXX XXXX and TMS about this issue a few weeks ago to better understand what the delay was, and when the payment would be credited to my new account with XXXX XXXX. The Money Source assured me it would be done by XX/XX/XXXX. It has not been sent. I have followed up with The Money Source by email and am waiting to hear back. During this time, XXXX XXXX has required an extra payment to keep my account " current. '' The amount that TMS owes is {$3600.00}. In the meantime, I have had to make the " extra '' payment of {$1600.00} to keep my account with XXXX XXXX current.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: CITIBANK, N.A.
State: MN
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Card was lost, waited on hold for 11 minutes. XXXX the customer service rep from Maryland told me it would take 5-7 days to get a card BECAUSE XXXX could not deliver the card sooner. This was a CITI XXXX card and he kept telling me I had an XXXX card. Guess the third party Costo is using for CITI service is confused. I asked to speak to a supervisor and he told me NONE were available and the MIGHT call me back. 2 days later no one has called. CITI worse credit card company I have ever dealt with. Give me XXXX, XXXX, my local credit union. But never again CITI.

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 2021-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 compliants with Credit Reporting Agencies are reporting errors on my credit reports that not accurate, I have disputed serveral times with Credit Reporting Agencies and provided documentation to show they are reporting errors on my credit reports Credit Reporting Agencies overlooked my proof still go with thier own decisions not acknowledge my documentation that I'm showing proof to take into consideration when correcting or updating my credit report. XXXX  reporting three late payments and comments on closed accounts which is Error, XXXX  reporting Bankruptcy and comments on closed accounts which is an Error and Transunion reporting Bankruptcy and comments on closed accounts which is an Error. I have also disputed with all three Credit Reporting Agencies Transunion, XXXX  and XXXX  of unauthorized inquiries serveral times and contact company that reported to let them know as well it was unauthorized inquiry still no one wants to take actions to remove from my credit report.

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 2023-01-04
Company: Oliver Adjustment Co.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is a old debt from XXXX SC and is now handled by XXXX XXXX XXXX ( collection agency ). The medical company XXXX SC will not provide a itemized bill, or state anything more than XXXX XXXX. This was from an emergency visit some years ago. The hospital bill was paid via insurance leaving a remainder that was paid by me. My out of pocket expense, that was paid by me, was just over XXXX for the visit in total. I was told by the hospital that the bill was complete and i should not of received any additional billing. XXXX has ignored my requests which have been via phone call and letter. I have no problem paying a bill, if i know what it is for. XXXX SC refuses to say what this XXXX and some odd dollare bill was for in regards to the visit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 filed a dispute by mail to Transunion on XX/XX/2020 regarding alleged collection account creditors : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX Transunion has not properly investigated this creditor as they claim it has been verified. Pursuant FCRA 623 I'm demanding this account be properly reinvestigated and removed from my credit report and file.

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 2016-09-24
Company: DataMax Corporation
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
According to ALL of my credit reports, this account was PAID, and is now CLOSED. I have already spoken to one of their collectors regarding this debt. She informed me that she would request removal from ALL of my reports!!!!!! Also, this account was opened without my permission, I informed her of that as well. So, WHY IS IT STILL ON MY XXXX REPORT?!!!!! I check those DAILY for ANY XXXX ID THEFT/FRAUD, and there should be NO DEBTS on there at all!!!!!!!! I have been a victim since I was XXXX years old, I am NOT doing well healthwise, I am ONLY XXXX years old, however XXXX DO NOT care how old you are!!!!!! And I REALLY am sick of ALL of these debt collectors in general LYING to you ( CFPB ), about accounts being valid when NO, THEY 'RE NOT!!!!!!! Also, I CAN BARELY SIGN MY XXXX NAME OR ANYTHING ELSE DUE TO CARPEL TUNNEL OR FILL OUT ANY XXXX FRAUD AFIDAVIT!!!!!! THIS STUFF NEEDS TO STOP, BECAUSE I DO NOT HAVE TO PROVE A XXXX THING TO ANY OF THESE COMPANIES WHATSOEVER!!!!!!! I HAVE ALOT OF THINGS GOING ON AND DO NOT NEED ANYMORE PROBLEMS!!!!!! I DO NOT KNOW HOW MANY MORE XXXX TIMES I HAVE TO SAY IT, THE POLICE DO NOT ASSIST IN ID THEFT MATTERS AT ALL UNLESS YOU 'RE FAMOUS AND ARE JUST SITTING ON MONEY OR THEY LIKE YOU AS A FAN!!!!!! I AM NOT THE ONLY PERSON THAT THEY REFUSED TO TAKE A REPORT FROM!!!!!!!! AND I DO NOT WAN NA HEAR A THING ELSE REGARDING THAT!!!!!!!! THE AMOUNT OF THE DEBT WAS {$96.00}. 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 2021-01-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have been denied credit several times from different vendors who use Experian. I have been told I have no credit history. I recently attempted to refinance my home and was told no score from Experian. 

On XX/XX/2021, I called Experian and was on hold for over 20 minutes. When an overseas customer service person came on the line, she was adamant that I had no credit because the only credit card I had was closed. I told her I am a XXXX-year-old male who has had 3 different mortgages, new car purchases, several credit cards, and decent credit ( XXXX ). She said she would look into it and then said she could not figure out why it wasn't showing my creditors infromation. She said she would get the DATA department to speak with me and placed me on another 15 minutes hold. A second person answered ( also overseas not DATA department ) and I had to explain my issue again - he too couldn't figure out why. MY frustration was getting too high and I asked him for a representative in the US. He said he would get one on the line right away, and put me on another 20-minute hold until I hung up. I called another number for Experian and got transferred to a customer service representative, overseas of course. This person had no idea why either, the rep offered to send me a copy of my credit report, not fix my issue- ridiculous. This is ridiculous that Experian is reporting incorrect information and I get the runaround and placed on hold by unknowledgeable customer service representatives. Sadly Experian is the worst in customer service and is the only bureau that is reporting my credit incorrectly. This is an important issue as this affects my family 's livelihood and mine!!!! Fix it!!!!

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 2023-01-31
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 I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be deleted from erroneous reporting in my file. 

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 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 2016-06-14
Company: Monterey Financial Services LLC
State: MA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
The company Monterey Financial has continued with attempts to collect a debt that was included in bankruptcy as XXXX XXXX2016. They have gone as far as reporting this debt in different amounts twice on my XXXX credit report on XXXX XXXX, 2016 after the filing date of XXXX XXXX which violates the FCRA along with repeated phone calls violating the automatic stay from the bankruptcy filing. They have also verified that this account still has a balance and is not included in bankruptcy on all XXXX credit reporting agencies which is another violation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX : {$24000.00} XXXX XXXX Balance : {$24000.00}

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 non-monetary relief
Consumer complaint received 2017-05-01
Company: JPMORGAN CHASE & CO.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Chase bank   XXXX   XXXX   is garnishing my account from a balance that was apparently from  XXXX  On my credit report it is showing that is charged off.. I was told that I made a payment in  XXXX  of { XXXX } and the Representative failed to provide me with poof and stated that this restarted the process. I have no knowledge of this and was n't served any legal papers. They took my state income taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX XXXX sold my loan to SLS www.sls.net on XXXX/XXXX/2015. XXXX sent my payments during transition via wire transfer. SLS never credited $ XXXX in funds ( transaction # s, dates, times all provided in writing ), then said they would foreclose because we had not paid. Made payments through bank online bill pay and have documentation, next they began returning online payments because the account was closed. Sent XXXX cashier 's checks totaling another XXXX they have never acknowledged payment for and now say we owe them a huge amount of money. They are also not properly paying our taxes which are in escrow in our payment. Our home has $ XXXX in equity in a very desirable area for schools, etc. We know they want to take the property and sell it quickly. We do n't know where to go for advice that is legitimate. 
XXXX XXXX ( XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: Monterey Financial Services LLC
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Outcome : I have a debt in my business name. All of the collection letters have been sent to my business. The collection company reported the debt to the XXXX reporting bureaus while I was refinancing my mortgage. My credit score dropped from XXXX to XXXX, costing me an additional {$10000.00} to close the loan. 


Details : I disputed the information with the XXXX credit bureaus. After a reported investigation, the credit bureaus notified me that information reported was validated by the collection agency. I closed on my loan and received a written letter from the collection agency that " they made a mistake '' and the debt did not personally belong to me. However, as indicated under the outcome, the erroneous reporting of the business debt to my personal credit report resulted in {$10000.00} plus in additional out of pocket expenses to close my loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27
Company: Specialized Loan Servicing Holdings LLC
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had my mortgage with XXXX for 10 years. They sold my account in XXXX to Specialize Loan Services ( SLS ). I was to begin making my monthly mortgage payment to SLS XXXX XXXX, 2015. I called them to verify the amount was the same and to make my first payment over the phone. They could n't accept my payment because their system was down. A few days later I called back to make the payment and was told they could n't process it because they did n't have the rest of the paperwork from XXXX. They said they were waiting on the terms from them. SLS told me they would call me back to accept the payment. Two days later after not hearing back from them, I called again and left a message for my agent to please all me back. I called XXXX, explained to them the situation and was advised by them that everything was " signed, sealed, and delivered '' in XXXX. XXXX told me SLS has everything from our loan. Three days later after no word back, I called SLS yet AGAIN and insisted I speak with someone that would accept my payment. I was again told they were waiting on the rest of the paperwork from XXXX but assured me I had 60 days from the start of the new service with them to make my first payment. They told me I would n't receive any late fees or negative credit reporting. I told them I still wanted them to accept my payment. They said they would have to put it into a suspense account until the loan was finalized. I gave them my bank account info and authorization to deduct my monthly mortgage payment. Upon my request, they said they would email me what was discussed confirming they had not yet received the paperwork from XXXX, their was a 60 day grace period ( which I do n't want ), and they accepted payment that would be placed into a suspense account. Here we are 2 days later and not only have they not emailed me, they HAVENT DEDUCTED THE MONEY FROM MY ACCOUNT! I am very concerned as we are quickly approaching a new month. Several online reviews warn about SLS not accepting payment and instead wanting to force homeowners into foreclosure. I ca n't comprehend this. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: Experian Information Solutions 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: Didn't receive services that were advertised

Complaint:
On XX/XX/2021, I disputed this account and it came back as if the responsibility is " Individual ''. The student loan is on someone else 's name. It doesn't belong to me. Furthermore, I never CO-SIGNED any student loan. So unless they can provide a document where the student loan is on my name, and in the case of a co-sign has my SIGNATURE, I want this account to be removed from my credit report.

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 2016-07-12
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Credit decision / Underwriting

Complaint:
While working with this lender I have been facing many obstacles from the beginning. The disclosures were not correct when they initially sent them to me with all the incorrect information from what I was sent and they told me to sign them regardless which I knew was not right to begin with. Secondly, I have yet to receive a loan estimate which I have requested a total of 5 times to reflect the accurate amounts and totals. I am given a " fees worksheet '' which is not what I asked for and nor does it provide any of the necessary information I had requested. The loan processor keeps loosing all of my personal and sensitive information that I have provided to them. The loan office, XXXX, refuses to return any calls or e-mails and I also feel discriminated against because he only choose to talk only to my husband and not to myself especially because I am the primary signer. This company has been sending me in circles with this loan process and consistently lacking in customer service on top of it.

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