BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-14
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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXXXXXX XXXX This charged off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation. Because of this apparent neglect in assuring everything in my report accurate, consistent and up to date please " DELETE '' this item immediately : XXXX XXXX XXXX XXXX When the requested above deletions are made, please mail me an updated copy of my credit report. This account has been reporting on my credit report in over seven years it should have been dropped off, but still being reported as a charge off

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 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 sent a letter on XX/XX/XXXX XXXX XXXX. Here is the Tracking number XXXX, to Transunion tracking number XXXX. I sent a second letter on XX/XX/XXXX tracking number XXXX. However the credit bureaus said they completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 
The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information 's. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I would like to know who did they talk to? How did they complete this investigation?

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 2023-05-10
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We made our last mortgage payment with Loancare Loan Number : XXXXXXXX XXXX XXXXXXXX and we were advised late by LoanCare that new Mortgage was under XXXX XXXX. 
XXXX XXXX to date has never received payment from LoanCare to-date. 
XXXX XXXX with Loan number XXXX has put us in delinquency status because LoanCare has not paid them the last payment we made in XX/XX/XXXX. 
We have made several phone calls to LoanCare and seems that every time we call customer service is outside US and hang up on us. Several emails made to LoanCare but never got resolved. 
We were never delinquent in our Mortgage payment since XXXX. 
We need your utmost support on this issue.

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 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.

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 2023-05-10
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
I was charged for forced place insurance and property taxes of {$7000.00}, which went into default and then foreclosure. I had already paid the insurance and taxes they finally acknowledged ; however, PHH received {$8200.00} from the XXXX relief fund. Yet they refuse to issue me a refund. I paid my insurance and taxes ; they state that XXXX paid it then XXXX relief was also paid ; then how do I get assistance? Because of my age, I can't get assistance from the company. 

XXXX XXXX  PHH Servicing

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Experian Information Solutions Inc.
State: IL
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:
I have contacted you regarding XXXX XXXX account. I have asked for copies of documents on file and none have been provided, this account is not mine. This company is not licensed to collect debt in Illinois, and still proceeds to be reported. This has been way over 30 days multiple contacts.

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 2023-05-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Hi, I had a wells fargo cash card since XX/XX/2022. I had about XXXX spend on it so far and XXXX dollars in cash rewards. When I set up the account had my penfed savings account set up as a payment account. Since then I had opened a checking account with penfed. 
When I made a payment didn't realize it was my savings account instead of check, with funds in checking account and payment got returned as insufficient funds. I didn't see the payment go through from penfed, so transferred the money to my chase checking account and paid it. I got a letter few days later saying my account is closed because of this. All my rewards points were lost as well. 

There was no communication about returned payments and no warning about closing account, so I could redeem the points. When I called, customer rep told me, Wells fargo was unable to contact me, so they just closed the account! There was no letter, phone call, email etc ... All I got from Wells Fargo was a letter saying my account is closed. Least wells fargo can do is redeem my points and send check before closing the account, or freeze the credit account, so I could redeem the points before closure. It's like basically stealing my money, XXXX XXXX So disappointed with the bank. Is there anything that can be done to improve banking communication and customer service, so this doesn't happen to anyone else again. Thank you so much.

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 2020-12-12
Company: Diversified Adjustment Service, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This Company just all of sudden reported this debt on my credit report without notice.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: CCS Financial Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to file a complaint against Credit Collection Services regarding their violations of the Fair Debt Collection Practices Act ( FDCPA ). The collection agency in question has added a debt to my credit history without any agreement or written authorization from me. 

Despite my request that they return the alleged debt to the original creditor, the collection agency has continued to pursue collection activities against me, which I believe is a violation of my rights under the FDCPA. I have also requested debt validation, as is my right under the FDCPA, but the agency has not provided me with any proof that I owe this debt. 
I believe that this collection agency has violated several provisions of the FDCPA, including but not limited to : 1. 15 U.S.C. 1692e ( 2 ) ( A ) - falsely representing the character, amount, or legal status of the debt 2. 15 U.S.C. 1692e ( 5 ) - threatening to take any action that can not legally be taken or that is not intended to be taken 3. 15 U.S.C. 1692e ( 10 ) - using false representations or deceptive means to collect or attempt to collect any debt 4. 15 U.S.C. 1692f ( 1 ) - using unfair or unconscionable means to collect or attempt to collect any debt I am requesting that the CFPB investigate this collection agency for their violations of the FDCPA and take appropriate action to ensure that they cease all collection activities related to this debt and that they correct any negative reporting on my credit history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Cant log in cant get through phone system. Tried XXXX they put a freeze on my report when it s there system not working

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 2023-05-10
Company: WELLS FARGO & COMPANY
State: PA
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:
I was stranded in XXXX during the beginning of the XXXX pandemic. I had my vehicle parked in the economy lot of the XXXX XXXX XXXX. When I was finally able to return to pick up my vehicle, I was unable to pay the parking fees as they were exorbitant. 

I attempted to work with both the parking authority and the bank that I received the loan from, but neither would offer any assistance and were entirely inconsiderate of the unprecedented situation that occurred due to the XXXX pandemic. 

Eventually, even though I was maintaining payments on my loan and making all possible attempts to retrieve the vehicle, the bank decided to repossess the vehicle, and I was forced to default on the loan. 

After the vehicle was repossessed, it was then sold through an auction, and the proceeds from the sale were applied to the remaining balance of the loan. However, they then added the cost of the parking lot fees to the balance of the loan, and have reported it to credit bureaus as a delinquent account. 

In summary, due to unprecedented circumstances surrounding this situation as a result of the XXXX pandemic I was forced to relinquish possession of my vehicle in a manner which seemed unjust. Furthermore, after having the vehicle repossessed without any recourse, I have had my credit score damaged due to what was, again, an unprecedented situation that affected billions of people worldwide.

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 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
From XXXX to XX/XX/XXXX, I've even sent certified mail to all 3 B in its bureaus about my Name being wrong addresses. Wrong Loan info. Credit cards From XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX were supposed to be removed completely removed. I never had those cards physically. also Hard inquires i asked to get removed that were not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of these are not mines or did i have knowledge of them being used or authorized. 
I want them all removed, and i want all hard inquiries removed please than 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 non-monetary relief
Consumer complaint received 2023-05-10
Company: T.S. Holdings
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called them to try and pay off my debt. I was going to pay off XXXX XXXX I asked for a receipt for proof of payment and remaining balance and they told me no. I asked why the keep increasing the balance and they could not give me an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a voicemail today notifying me of a " complaint or civil suit '' being filed against me, was instructed to call XXXX to discuss my case with the legal firm handling my case. I called the number and was routed to a person named " XXXX XXXX '' ( her direct line : XXXX ) of XXXX XXXX XXXX XXXX ( at XXXX XXXX XXXX XXXX, XXXX, CA ) who informed me that Synchrony Bank was suing me for {$3300.00} for an " outstanding debt '' on their Care Credit card. This amount included court fees and other penalties. The original debt was for {$2300.00}. I informed XXXX that I paid this debt off long ago in XXXX to a collection agency and had the paperwork to back it up. She attested that if I did not have a " Liability Release '' form that I still owed the debt to Synchrony Bank. She claimed two attempts had been made to issue me a summons via a courier - one to an old residence and one to my current residence. I pointed out that Synchrony Bank had issued me zero correspondence about this supposed debt over the last 11 years and wasn't it a bit odd that I would suddenly receive a phone call to tell me I was being sued? She told me that I had two options - to go to court or to mediate with her, and if I chose to mediate she would issue a " Release of Liability '' but I would have to pay her " offered settlement amount '' of {$2100.00} on the spot. I replied, " No disrespect, but how do I know YOU'RE not scamming me? '' She laughed and said she completely understood why I might feel that way. I told her I needed some time to go through paperwork and she offered to extend a " courtesy EOD hold '' to keep my case from going to court but that when I called back, she would have to go through the mediation process again but couldn't guarantee she could " offer '' me the same settlement amount, it might be higher. I agreed to accept these terms and did some digging. Synchrony Bank attests that my account was deleted on XX/XX/XXXX - the day that they sold it to XXXX XXXX. XXXX, the debt collection agency. XXXX attests my account was paid off in full and provided all the paperwork. I spoke to a lawyer who attested that this is indeed a scam, and that this " law firm '', who does not even appear in a XXXX search had likely bought a list of debts owed from Synchrony Bank, and were going after people to try to get money from them. This is the 3rd or 4th call I have received in the last 3 months regarding this same debt, from 2 different " 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 explanation
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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 sent XXXX and Tranunion certified letter showing my XXXX payment was never late. Call millions times.

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 2023-05-10
Company: JPMORGAN CHASE & CO.
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My issue is I have never been late on a bill in my life, my wallet was stolen after a friends wedding, I had a card with my account info on it since I was XXXX ( like an XXXX ) and closed that account and opened a new one for peace of mind. I linked chase to my new account and thought that was over and done with. I then 4 months later ( with zero communication ) get a letter of foreclosure on my home which blindsided me! I immediately called and figured out they only had my original account on file so my linking never took place. In turn my perfect credit tanked. Ive supplied bank statements ( showing I have lots of money in the bank ), police report, and they are taking months to respond with a solution. Nobody in person can help me and the department I am forced to deal with is overseas and English is a second language. Its awful! I obviously back paid everything immediately, added an additional XXXX towards my mortgage payment monthly, and paid an additional month to get squared away. They then made me wait ONE WEEK! To link my new bank when I took the old XXXX off. They refuse to fix my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Creditor is calling someone who is not me. I have tried to reach them through mail for debt validation and no response. The person they contacted was given all directions on how to look into a debt they say I owe and even provided the last 4 of my SSN in order for him to sign in to look at personal information. This person is NOT my spouse. The companies name is Portfolio recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: AMERICAN EXPRESS COMPANY
State: MN
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:
I filed a complain already with the creditor and CFPB so far there is no resolution. 
I reported fraudalent charges for my Business credit AMERICAN EXPRESS card back in XXXX there was charges for XXXX posted on XXXX 4 times total of {$4100.00} plus XXXX fees 4 times as well total {$150.00} plus interest fee and late fee. I have call 10 times from XXXX and NO ONE can help me. Everytime I call they stated I am sorry but the case was not file but i will file this claim for you I apologize and ON AND ON. My account now is past due and collections from American Express is requesting me the payments. I called customer services again and now i am asking for names and ID employee numbers, there is no resolution. I called I spoke with XXXX XXXX id XXXX and give me a case # XXXX Again I am sorry for this problem. No one even have this charges on dispute, I called again back in XXXX and I spoke with XXXX and she promise me she spoke with the fraud team and they will give me all the credits in 24-48 hrs. Guess what NOTHING I received a phone call from collections again. This is terrible, I DONT KNOW what to do anymore. I asked customer services why the charges are not even in dispute? how this is going to be reported on my credit bureau? NO one knows. This is not a joke that is what they told me. Plus when I open this credit card back in XXXX it was a promotion for 18 months no interest. Guess what they charge me interest fee back in XXXX And XXXX I called and they told me they will take care this. WELL NOTHING. I need help please I am only asking remove the fraudalent charges and updated my balance so i can pay my balance. 

Today is XXXX and American Express have not resolved my fraud case. From XXXX to XXXX I had call the company ove 50 times and they just keeping telling me I will refer this information to the fraud team can not transfer you there because they dont acept calls. I requested to talk to the manager and they told me the line is so busy and offer me a call back in 30 mins other 2 biz days. They dont even know what is happening why this case have not resolved yet. NO ONE KNOWS NOTHING. My last call was 2 weeks ago and this representative told me there is no claim with this charges, i see the notes about you calling in regards this fraud charges but we have never filed this claim for this charges. I wanted to cry NO KIDDING I didnt wanted to ask anything I am done with this company. The worse worse services. He told me a manager will call me back in 30 or 40 mins WELL so far no one has been caling me. ONLY COLLECTION CALL. Everyday. PLEASE PLEASE someone help me with this terrible situation.

Company response to consumer: Closed with monetary relief