BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-27
Company: LFG Data Services Holdings, LP
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:
XX/XX/22 I sent a letter to the courthouse asking do they report bankruptcies to the credit bureau and I got a letter stating They do not report any bankruptcies to anybody So if thats the case, how did the credit bureau verify this bankruptcy as 100 % accurate. They never did a fair investigation according to the 15 USC 1681 15 USC 1681 section ( 3, E ) States : The term investigative 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/she is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers 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.

They also violated my rights numerous times.

The credit Bureau violated my given right under 15 USC 1681 According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy According to : 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have  Southwest Rapid  Rewards credit card from  XXXX  to  XXXX . I called to close the account on  XXXX .     Chase, the issuer of the card did not appropriately close the account and failed to notify me. The credit card statement were missing in Chase.com credit card website for months of  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX . The Chase credit card website did not make it clear that this credit card is still open by hiding the statements from month of inactivity. Chase charged me {$99.00} twice on  XXXX  and  XXXX .     I called Chase on  XXXX / XXXX / XXXX  to close the account and refund the fee for  XXXX . Chase refuse to refund the fee for year  XXXX .

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I 've had a loan with XXXX since XX/XX/XXXX and have paid every month on time. On my credit reports XXXX is reporting no payments from XX/XX/XXXX to XX/XX/XXXX. I have called and written them and they wo n't change the reporting. They say they ca n't report my payments because I was in Bankruptcy. That does n't prevent them now from reporting the on time payments I made every month. I know during a bankruptcy creditors ca n't try to collect but this issue is nothing like that. I paid on time and the credit reporting should reflect that.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have an account on my credit report that is not mine I asked them to send me verification and they sent out a billing statement nothing more .... I disputed it again with the credit bureau and they said they verified the account but how when they only sent me a billing statement I keep disputing this and filling complaints over and over and over and over it is not my account the people who put it on there repeadly say they can not speak to me about this account ...  .I  even got it deleted in  XXXX  and they put the account back on my account and changed the amount owed just to place it back and even changed the 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 2016-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLCConsumer Dispute Center XXXX XXXX XXXX, XXXX XXXX XXXX Account Number Num : XXXX Balance {$00.00} XXXX Account Number Num : XXXX Balance {$00.00} Dear Sir or Madam, I am writing in regards XXXX on my credit report. I 've enjoyed being a customer of XXXX XXXX since XX/XX/XXXX. Today, I 'm writing to request a goodwill adjustment to my credit files. 

I was a model customer from the time I received my credit card in XX/XX/XXXX, however it has been 11 years. 

Your agency should delete all information regarding the account from my credit files within 10 business days. Please delete the above information as quickly as possible. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was mistakenly charged late fee by Citi. The fee has been reversed when I called to report the error, but I was advised to pay the entire balance billed ( include the late fee ) TODAY ( for amounts due on  XXXX  ) in order to avoid another late fee and reporting to the credit bureau.     Billing date :  XXXX  Amt {$18.00} Merchandise return  XXXX  Amt {$6.00} Payment date :  XXXX  Amt {$11.00} Due date :  XXXX  Late Fee : {$18.00} on  XXXX  stmt for missing  XXXX  pmt.

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 2017-05-10
Company: WELLS FARGO & COMPANY
State: ME
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On   XXXX   XXXX   XXXX   I mailed a certified bank check for the payoff amount of {$1700.00} to Wells Fargo from a purchase made at   XXXX   XXXX   XXXX   XXXX  . I called Wells Fargo on   XXXX   XXXX   XXXX   to confirm that my payment was received and processed and according to automated system stated new balance was {$2600.00}. I contacted Wells Fargo on   XXXX   XXXX   XXXX   and then on   XXXX   XXXX   called spoke with a supervisor and they stated there was nothing they could do. On   XXXX   XXXX   XXXX   I went to my bank at   XXXX    and   XXXX   XXXX   at   XXXX   XXXX   XXXX   XXXX   XXXX   at   XXXX   XXXX   XXXX     XXXX    ME   XXXX   called Wells Fargo and spoke in a three-way conference call with a  XXXX  from Wells Fargo .   XXXX   XXXX   offered to fax over a copy of the certified bank check made out to Wells Fargo that included our names and account number but they refused.  XXXX  referred us to   XXXX   XXXX   XXXX   XXXX   saying we did n't meet the contract obligations. We spoke to  XXXX  at   XXXX   XXXX   and he said he could n't help us. I contacted my attorney generals was told to contact CFPB to file a complaint. We have contacted Wells Fargo several times to no avail.

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 2016-12-09
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Please consider this correspondence to be formal notice that your company has failed to comply with the " Early Intervention '' requirements of XXXX XXXX, XXXX. XXXX CFR XXXX by failing to provide our mutual client with notice of a final date for loss mitigation options. Our mutual client advises that they did not receive the live contact that was required no later than the XXXX day of delinquency pursuant to XXXX XXXX XXXX XXXX a ) and did not receive the written notice of available loss mitigation options required by XXXX CFR XXXX XXXX b ). 
Please postpone the foreclosure sale scheduled for the aforementioned date, to afford time necessary to comply with these loan servicing requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: Weinberg Mediation Group LLC
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Have called me several times over the course of several months ... they have stated that a claim has been filed against my social security number. Calling me at work and on my cell phone and they state every time they will not be able to help me if either myself or lawyer do not contact them ... I did and they were very rude on the phone

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: TRANSWORLD SYSTEMS INC
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Notice it is a fact that I am a federally protected consumer, as such I have the right to privacy. Notice it is a fact that my federally protected rights have been violated. Notice it is a fact that I have never signed a contract or promissory note with the company TRANSWORLD SYS INCXXXX, whereas I believe them to be a debt buyer. Notice it is a fact that this company must operate under the FDCPA. Notice it is a fact that I am requesting all DOCUMENTARY EVIDENCE including all ledgers, books of accounts, that pertains to account XXXX. Notice it is a fact that failure to provide such documentary evidence is a clear violation of 12 cfr 1026.13 ( a ) ( 6 ) as I am invoking my right to obtain it in accordance with 15 usc 44. Notice it is a fact that I also have never given written or oral consent for this account to be furnished on my consumer report, whereas that is a violation of 15 usc 1681 ( a ) ( 4 ) because I have a right to privacy. Notice, affiant is aware the debt collector, TRANSWORLD SYS INCXXXX can not communicate with anyone other than the consumer, the natural person, in connection with 15 U.S.Code 1692a ( 3 ) or an attorney or consumer reporting agency as permitted by law. However the debt collector, TRANSWORLD SYS INC/XXXX has communicated with the all caps name principal obligor, XXXX XXXX and has always referred to my principal obligor and not myself the agent, natural person and consumer in fact. This is a violation of 15 U.S.Code 1692c ( b ). Notice, it is a fact, affiant is the consumer, in fact and I, the affiant am legally refusing to pay this debt. I am demanding a cease and desist of all illegal activity, any communication and collection activity, including reporting which constitutes collection activity, of this and any alleged debts until you can provide me with the requested information in the affidavit herein.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: JPMORGAN CHASE & CO.
State: ND
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:
I had  Chase Credit Cards  for 20 Years. Suddenly, TODAY, they closed  All   XXXX  of my  Chase Credit Cards  without warning or reason. When I called them, they simply replied that they decided to end the relationship without explaining why. I had Very  High Credit Lines, and always Paid on Time.  Never carried Any Balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: MONEY SOURCE, INC., THE
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, XXXX acknowledged misrecording payoff payment from my refinance lender - XXXX received funds on XX/XX/XXXX but recorded their receipt date as XX/XX/XXXX, which further resulted in charging me late fee {$270.00}. Further, they promised : XXXX ) overpayment owed {$9600.00} has already been mailed, XX/XX/XXXX. XXXX ) late fees were reversed and {$270.00} mailed out. 

XX/XX/XXXX XXXX post XXXX delivery, I have not received the balance of payoff - {$9600.00}. XXXX charged consumer for their mistake and is holding funds due to lender for {$9600.00} with no evidence of making timely practices : XXXX operator XXXX XXXX ( supervisor ) reported on XX/XX/XXXX that XXXX would only stop payment and reissue a check to mail, taking another 14 days for the check to be mailed. 

When consumers are late to payoff or monthly payments we are charged hefty late fees {$270.00} and charged {$100.00} per day for interest. XXXX violated RESPA. XXXX failed to ensure {$9600.00} principal payment to be received with 20 days of loan closing, XX/XX/XXXX. Today is 59 days post closing and payoff. I have received notice of Title release and refund of late payment, but still no payment due, {$9600.00}. 

I have spent XXXX hrs writing complaints, on hold with TMS XXXX, answering TMS calls who continue to provide no actionable accountability. 

Why are consumers charged hefty fees and their is no accountability on part of XXXX to comply with the RESPA, even when they acknowledge knowing by citing this law by the HUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04
Company: GREAT LAKES
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Great Lakes received my certified letter XXXX/XXXX/2016 requesting the following information according to the FDCPA 807 [ 15 USC 1962e ] a contractual evidence bearing my signature AND marking my account dispute with the credit bureau. As of XXXX/XXXX/2016 Great Lake has not provided any proof or markings on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: Credit Karma, LLC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
For the past week have been getting numerous phone calls on my home landline that I do not give out from various mortgage refinance companies claiming that I requested a refinance quote and that my   XXXX   credit report was pulled for this. I checked my  XXXX  report and the only inquiries that do n't look familiar to me were to soft pulls from credit karma one week ago.

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 2021-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Back In XXXX of 2021 XXXX  made a collections claim on my credit report originally with XXXX XXXX for {$80.00} ( Acct XXXX ), I had this erroneous claim removed in XXXX from my report. However, It seems this same erroneous account has reappeared on my report. According to The Fair Collection Act, this information should not be placed back on my credit report once removed. Section 609 ( a ) ( 1 ) ( A ) of FCRA, you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Obviously no investigation or verification was made since this account has already once been removed. Additionally, it has now been past 6 months since I requested you to investigate XXXX claim of a collections on my credit report. this claim was originally removed for not being mine and for the investigation taking longer that 60 days

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 2017-05-10
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Gentlemen, In attempt to find out what has been affecting my credit score fo r 2 years exactly I 've come to discover a shady Adverse account used against me.   SYNCB/OLDNAVYDC is found to be behind the adverse informations.   Actually I can recall that I received a letter from  Old Navy,   XXXX   XXXX , Connecticut claiming some payment over some credit Card that I 've never applied for and that I have never received either. And right upon the scene I called the number provided and rejected all ties and all claims related to that creepy credit card ... I also asked them to cancel anything they might have regarding my address and my personal informations and since then I never heard anything from  old navy  Until I come to discover the report made against me.   I was 2 times in the store and paid cash whatever I bought and I remember They asked me if I wanted to file for the store reviews and I only gave them my email and names 2 years ago.   I do n't accept store credit card offers and I 've never applied for any type of store credit card which I do n't need.   Please look into this and bring me justice.   Thank you!     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 2015-08-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We just received a dismissal of bankruptcy in XXXX of this year. The next month we recived a call from Select Portfolio stating that our mortgage payment was late. I called to find out what the problem was and was told that every payment we had made with them fro the past year ( they took over the loan from XXXX XXXX XXXX, 2013 ) was late. I stated that we were current with our loan, and have subsequently spoken with them XXXX more times and told to get a payment history, and they just have the same answer every time. 
We did recive a letter from XXXX in XXXX of 2014 stating we has a late payment at some time in the previous 12 months. I called the number provided but they would not talk to me about it because we were in bankruptcy. We also were getting the " pay for performance '' incentive until XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have filed numerous complaints against Capital One bank for stolen customer 's deposit back to XX/XX/XXXX. Most recently on XX/XX/XXXX I filed police report with XXXX Police Department to ask stolen funds to be back. As I stated before I do NOT know Theft XXXX XXXX. I never authorized her to do anything on my behalf. Attached please find police department letter and my numerous times contact with Capital One to ask stolen funds to be back plus criminal prosecution against XXXX XXXX. Capital One did NOT respond for my most recent complaint. I am asking {$45000.00} principle including 20 % interest starting XX/XX/XXXX and XX/XX/XXXX. Personal time {$5000.00}. Travel expense {$200.00}. Pain & Suffering XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: Ocwen Financial Corporation
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
PHH mortgage is reporting incorrect information to the credit bureau concerning my monthly payment. They are reporting my regular monthly payments are XXXX when they are XXXX. I have tried to talk to these people, but they insist they are not, and will not change this. I once had an escrow with PHH, and they did everything in their power to make me have an escrow account with them during the time I had my own mortgage insurance. Now they are saying I have an escrow account with them and the monthly payments are XXXX. This is not true. They are also saying I owe a balance on the escrow when I had them to close it because they were asking me to send them XXXX dollars a year just to sit in an account for mortgage when my yearly insurance premium is only XXXX. So they are reporting this to the credit bureau, which means if my monthly mortgage is XXXX, and something happens to me, and my XXXX  are left behind to pay this mortgage, or pay it off, or even if I decide to pay this off in a lump sum, this will be a problem. If they insist on saying there is a balance on an escrow account, why aren't they saying " previous escrow balance '', and not add it in the mortgage to reflect a increase in my regular monthly payment.

Company response to consumer: Closed with explanation