BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Please Know that I have sent certified mail letters to all three major credit bureaus for a consistent 18 months ; Transunion, XXXX and XXXX. 

Incorrect and erroneous information continues to appear. I continue to be denied for housing to basic additional credit. Specifically : * A paid-off car that I haven't owned for over four years * Collections which are not mine and were proven that I have experienced identity theft * All credit cards have been paid-off * All car debt from the past year has been paid-off * All student loans have been paid consistently for over two years, despite incorrectly showing 'default ' and loans which were clearly consolidated. 

Do know that I have sent final notices to all the bureaus with the intent to sue them in small claims court due to all the problems that they have wrought! I have followed the procedures, yet continue to be ignored. Further information includes incorrect names and addresses. 

Why do these entities have no recourse from the government? Why aren't they held liable for the damages they due to people by continuing erroneous and incorrect information? Penalties and fines must be imposed with further accountability. People should NOT have to be subject to the games they are playing!

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 2015-09-14
Company: CCS Financial Services, Inc.
State: IL
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:
I purchased renters insurance from XXXX, policy # XXXX earlier this year. I could not afford to make the monthly payments and allowed the policy to lapse. I just received a notice today from Credit Collection Services ( XXXX ) XXXX file # XXXX XXXX XXXX stating that I owed a payment of {$29.00} for XXXX. I asked why I received this and was told I was covered up until that time even though I have not made a payment in months. I pulled out my policy, contacted XXXX ( XXXX ) XXXX asked if they could direct me to where it states if I discontinue payments they could expect payment and/or collections for non payment. I was told it is not in their policy.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Making regular monthly payments yet company is still calling and its getting out of hand. There are times they call me and when I answer no one is on the other line. Again Im making regular monthly payments. I have filed fcc complaints for the ghost calls, now usaa is calling numbers that are family members not mine, which I have asked them to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14
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 REVIEWED MY CREDIT REPORT AND NOTICE THERE WERE SEVERAL ACCOUNTS THAT WAS ON THERE THAT DID NOT HAVE KNOWLEDGE ABOUT MY ID WAS USED OVER THE YEARS I DID NOT GIVE ANYONE CONSENT OR PERMISSION TO USE MY PERSONAL INFORMATION I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAs. On XX/XX/2020, I mailed XXXX, TransUnion 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 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 2017-05-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I n   XXXX   I received a promotional mailing from USAA for Balance Transfer. The fee for the transfer was supposed to be a maximum of {$75.00} I filled out their promotional check, but my local bank would not accept it without a 21 day hold on the funds. I contacted USAA and told them of the problem. They suggested I use my credit card and just take out the advance that way. What they did NOT disclose was that the {$75.00} maximum fee did not apply if the " convenience '' check was not used. So, they nailed me with a {$600.00} " Cash Advance Fee ''. Additionally, they have charged me the standard " Cash Advance '' interest rate instead of the promotional 1.99 % for 12 month rate. I have called several times over the past three months trying to get this resolved. Each time I have explained the situation to the Customer Service rep, who said they could not help me and then forwarded me to his/her Supervisor. After repeating the story to the Supervisor, he/she said she could not help me and forwarded me on to the vaunted " Executive Resolution Team ''. After explaining the situation again, each of the three Executive Resolution Team members I spoke to over the course of the three months said they would review the tapes / transcripts of my original calls and get back to me within a week. I have NEVER received a callback. I demand a refund of the {$600.00} and all interest charges associated with this balance transfer and a n adjustment of the rate to the promotional 1.9 %.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have a problem with transunion. They are reporting someone else 's debt under my name. The are using a different social security number and birthday different than mine. I have called transunion on the phone for hours, I have mailed them proof with my passport, utility bill and other supporting documents. They do not want to help me, they sent me a letter saying that I'm working with a credit repair agency and they need to notify themselves first, this is a lie, I am trying to fix my own report, I do not have anyone helping me. I beleive they are just stalling because for some reason they want to keep posting the other person 's collections under my 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 non-monetary relief
Consumer complaint received 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
In accordance to the Fair Credit Report Act 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 XXXXXXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 602A states I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instruction

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 2016-05-13
Company: SECURITY CREDIT SYSTEMS INC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I received a call from Security Credit Systems , Inc XXXX twice to my direct work line. I 've already requested that they do n't contact my employer last year. I received a call today and the collector threatened to contact my company about my debt. I know that he is unable to do that. He was rude and railroad me. After I asked him again to not contact at my place of work. Caller refused to tell me what the debt is for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/2020 I received a call ( one of the worse ) from portfolio recovery. I was already pretty agitated because they call often and I explained I dont have the means to pay that debt off. She began to ask invasion questions about why I dont have income, if Im getting unemployment and why my spouse couldnt pay the debt or give money to help, she was very aggressive which caused me to equally as aggressive. Finally I just hung up. I received another call the next week asking the same questions BUT not as aggressive however, I explained to her Ive already spoken with someone and she said we will call until the debt is paid. I explained that is harassment to call every week about the same issue she stated they Dont have a way to see who called or when they called until they actually call the person. To me this makes no sense but Im tired of the calls, Im tired of this company making me feel worse for not being able to pay back a debt at this time. Even after I explained my son an myself have bad health issues right now they still kept asking when I would pay. At what point do these collection agency have to take responsibility for their actions? The calls I listed are the most recent but this has been going on for at least a year. If I block their number they will just change it an call from a different number. They wont stop

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-26
Company: Shapiro, DiCaro & Barak, LLC
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
In  XXXX  o f 2015 Debt C  ollectors by the  na me SHAPIRO, DICARO & BARAK employee sued in the Supreme  Court of  XXXX   County wi thout ever properly serving i, my husband, and grandfather of the lawsuit. Debt  Collectors by the name SHAPIRO, DICARO & BARAK employee/ associate stated on the court record they   served  XXXX   XXXX   XXXX    , in wh ich the Deb t Collectors, SHAPIRO , DICARO & BARAK claim is a family member of mine. I do not   know of any person by the name  XXXX   XXXX   XXXX   nor do I have any family by that 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 2021-08-29
Company: JPMORGAN CHASE & CO.
State: AL
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:
On a XX/XX/2021 I applied for the Freedom card on the Chase App. The enrollment offer was clearly stated on the app as ( 1 ) the XXXX point offer and ; ( 2 ) a promotional 5 % grocery store offer. I read the terms and it seemed that I would be eligible for the bonus. Once I received the card, I noticed the bonus was not applied. I wrote Chase a secure message requesting reasoning why I did not have the bonus on XX/XX/2021 and XX/XX/2021. Chase responded that I did not click a link necessary to claim the offer. This is false. The offer was clearly extended to me and I was induced to apply for the card over overs because of the offer. I called Chase during the week of XX/XX/2021 to request the matter be escalated. On XX/XX/2021, Chase sent me a letter in the mail which provided no information other than that I was not eligible. Chase provided no legitimate reason I was denied the bonus. 

I have a screenshot of the exact page on the Chase app that I clicked to apply for the card, which I accessed on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-09
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I fell behind on my mortgage payments a few years ago due to some financial problems, and tried for a loan modification with the company. I made all of my trial period payments only for them to cancel the modification because according to them I missed a payment in the beginning of the trial period. So me being stubborn and already mad I quit making the mortgage payments. Fast forward 4 years later I filed for bankruptcy because I got tired of them not trying to work with me to resolve my problem. After filing for bankruptcy in the spring of XXXX the mortgage company was willing to work with me and apply for a loan modification my trial payments were a little over {$2100.00} a month for 6 months starting in XXXX of XXXX thru XX/XX/XXXX, which I paid them all. Now they are telling me my new monthly mortgage payments will be {$2100.00}. I filed a petition for the payments to be reduced back to my original amount of {$1200.00}, which they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Service Finance Holdings, LLC
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was getting a roof installed through a company called XXXX XXXX. The sales girl, without my permission, esigned loan documents approving XXXX loans for {$36000.00}. The loan was extremely high interest which I would never have approved since I have excellent credit and would have just went through my local credit union. She told my that she would get me the loan information to sign before I had the roof installed. I never received any loan documents to sign because she signed them for me after she left the house. I had told her that I did not want a high interest loan, and that I would just get financed through my credit union. She wanted the sale so bad, she decided she'd sign the documents for me. I also put {$5000.00} down and they were supposed to knock off an additional {$500.00} as a promotion. Neither the down payment or promotion were ever deleted from the final loans. And I say loans, because not only did she esign documents for XXXX company but for XXXX. Now I am stuck with XXXX payments and a high interest loan, even though I never signed any of the loan documents. The loan documents were signed after she left my house, and they even have the time stamp on them from being signed online. The final payment was supposed to be for less than {$300.00} a month through XXXX loan company at a low interest rate, not through XXXX loan companies at high interest rates. I told both companies that I never signed the documents approving these loans. I have witnesses that were then when she was having us sign stuff and not once did we sign any loan papers. We have tried getting this resolved but Service Finance Company LLC keeps hanging up on me and won't assist me in resolving this matter. The other company has filed a fraud investigation so we are yet to see what will come of that. XXXX XXXX XXXX workers also stole a camera and an antenna that was on my roof. They damaged an expensive swamp cooler and never reimbursed me for any of that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-14
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: Account information incorrect

Complaint:
Negative items on my credit report has happened to me as a result of fraudulent practices of a school I once attended ( XXXX Colleges ). This college was found guilty of violating state laws using illegal and deceptive tactics. I am being punished by having these loans reported on my credit report. According to William D Ford Direct Loans under the borrower defense these loans have been discharged.

The original lender sold these loans to a 3rd party and the capitalized interest increased significantly over the years. Making my current loan amount exceptionally high. I dont owe this debt and I didnt benefit from the fraudulent school. 
I have requesting these fraudulent loans be remove from my credit report 3 years ago. I have recently made another request to the credit bureaus. I am requesting your assistance in getting the credit reporting agencies to adhere to the guidelines of the Federal Fair Credit Reporting Act as it relates to reporting these loans on my report, These loans on my credit report have prevented me from obtaining credit, buying a home and causing me to have poor credit. Essentially making my life miserable.

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 2017-03-05
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I do not believe Navient is amortizing the payments correctly. I 've been paying for over 2 years and my principal balance has only gone down about {$1100.00} and I pay {$50.00} per month extra

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Starting XX/XX/XXXX I have received notices from Shellpoint Mortgage regarding hazard insurance placed upon our property. Immediately I called and submitted the relevant documentation of my existing hazard insurance, and requested to have the escrow balance cleared. I forwarded this hazard insurance to their support department, and tried repeatedly to clear up this misunderstanding. Each time while speaking on the phone, I have received confirmation from the agent that this was a mistake on Shellpoints part, and have at multiple times had the escrow balance cleared, only to have the escrow charges re-emerge. 
As of XX/XX/XXXX my wife and I have started seeing late payments reported to credit agencies, negatively affecting our credit score.

Shellpoint have completed an audit, and returned a response to us which does agree that the hazard insurance should not have been placed, but has not cleared up the balances incurred by those fees. 

At all times I have continued to pay the original mortgage amount, and so should be in good standing on this balance. 

Many thanks for your help.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ocwens negligence and unwillingness to provide an escrow analysis or a breakdown for my   XXXX   XXXX    escrow adjustment caused my   XXXX   XXXX  , escrow analysis to have a higher shortage than expected.  Ocwen  failed to disclose that they were spreading my escrow payments ove r 56  payments. Ocwen failed to notify me in a timely manner about the changes with the escrow so that I would have a chance to minimize my shortage. Ocwens failure to provide proper notification caused an additional increase in my monthly payment, because I had to request that my escrow payment be spread over  12  payments, and not the spread that was previously used to avoid any more unnecessary increases. Ocwen failed to provide the information/material when I first requested it, but later sent the information on   XXXX   XXXX   XXXX  , after I received the new escrow shortage in   XXXX   XXXX       On   XXXX   XXXX   XXXX   Ocwen 's attorney emailed a breakdown of the capitalization and down payment amount that was used to calculate my {$110000.00} modification beginning balance. However, the calculations and dates Ocwen used to get the same {$110000.00} beginning balance was calculated and adjusted differently on the transaction report they provided.     On   XXXX   XXXX   XXXX  ,  Ocwens  attorney provided a response and transaction history used to support her response about my concerns with my year to date principal payment totals on my  XXXX  and  XXXX  statements. Ocwen negligently and carelessly failed to include my {$1000.00}, payment on the transaction history report that they provided with the correct  XX/XX/XXXX , received date. Ocwen failed to correctly deduct my {$800.00} modification down payment from my {$1000.00} payment, and apply it with the correct  XX/XX/XXXX  received date. Ocwen failed to include the correct capitalized amount and date for my   XXXX   modification on the transaction/payment history they provided. Ocwen failed to re-apply my {$200.00} balance from the {$1000.00} payment with the correct   XXXX  , received date. Ocwen negligently reversed my {$800.00} down payment from a suspense account and re-applied it with a  XX/XX/XXXX  received date.  Ocwen  negligently reversed and re-applied {$200.00} + {$600.00}  (   XXXX  {$800.00}  ),  contractual payments received between  XXXX , with an incorrect  XX/XX/XXXX , received date.

Company response to consumer: Closed with explanation