BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
1. I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information XXXX  XXXX is furnishing. 


ACCOUNT # -FULL ACCOUNT NUMBER NOT SHOWN ACCOUNT TYPE DETAIL -ACCOUNT DIFFER FROM TRANSUNION, XXXX & XXXX DATE OPENED-DATES DIFFER FROM TRANSUNION, XXXX & XXXX BALANCE- AMOUNT SHOWN AFTER ACCOUNT WAS CHARGEOFF HIGH CREDIT- AMOUNT DIFFER FROM TRANSUNION, XXXX & XXXX CREDIT LIMIT- AMOUNT DIFFER FROM TRANSUNION, XXXX & XXXX PAST DUE- AMOUNT SHOWN AFTER ACCOUNT WAS CHARGEOFF LAST REPORTED- DATES DIFFER FROM TRANSUNION, XXXX & XXXX DATE LAST ACTIVE- DATES DIFFER FROM TRANSUNION, XXXX & XXXX DATE OF LAST PAYMENT- DATES DIFFER FROM TRANSUNION, XXXX & XXXX PAYMENT HISTORY- DIFFER FROM TRANSUNION, XXXX & XXXX XXXX XXXX was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that XXXX XXXX complied with this requirement.

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 2022-05-16
Company: REGIONS FINANCIAL CORPORATION
State: SC
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, has violated my rights. 

15 USC 1681 Section 604 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2021-12-10
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/2019 Toyota reported a late payment which was not 30 days late. I had a long, good standing lease with them and when the pandemic hit, we paid the loan XXXX week late after we called and asked them if we could. They agreed and said they would not report a late payment. They however did. 

This is the only late payment on my credit file for the past XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: Hodosh, Lyon & Hammer, PC
State: RI
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have received a debt collector letter stating I owe a debt. I have never owned a credit card nor do I know this bank. I do think they have the wrong person on the account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2022-05-16
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I returned my lease to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX on XX/XX/2020. I turned in all the necessary paperwork showing that I had made the necessary adjustments/fixes to the vehicle and was returning it under the mileage agreement. I was told everything was all set and the return of the vehicle was complete. XX/XX/XXXX I received a letter stating I owed {$1200.00}, I was instructed to responded to that letter via email stating that all those charges had been paid in full. In XXXX, I sent an email to XXXX with proof of receipt for the fixes and payment. I'm in the process of purchasing a home, and it has been brought to my attention by my mortgage lender that XXXX has placed two late payment charges on my credit for XXXX and XXXX of XXXX. I'm stating that these charges are erroneous and should be removed off my record.

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 2020-06-11
Company: EQUIFAX, INC.
State: AR
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:
My brother informed me that I received a letter in he mail from where I use to live stating that I owed a debt of some type. I did a little investigating and I was told that someone had given my name and social security numbe4r to open accounts. They have the wrong person, I decided to pull my credit report it showed the exact same thing and some inquiries that had been pulled under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Issue: Other fee

Complaint:
I called CapitalOne to cancel or change my credit card from the current card I have with an annual fee to one with no fee. The fee was on my last statement as anniversary date for the card is around now. They offered to switch me to a no fee card but said they needed to check if the annual fee would automatically credit back to my account. 

After a long hold, they said the annual fee would not be credited back automatically and they would not credit it, period. 

They demanded that I still pay the annual fee since they had already " billed '' it. It was on my last statement and another representative had already told me as long as it was within 30 days, it would not be charged. 

A supervisor told me they would not " waive '' the annual fee. I explained I was not asking for a waiver. I wanted the no fee card and they still refused, saying I could switch cards, but since the fee was already billed, they would make me pay the annual whether I switched cards to a no fee cards or canceled.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CT
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
this is an issue of debt collection abuse this is against the lawportfolio recovery associates has a pending case of debt collection abuse from cfpb

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22
Company: Receivables Performance Management, LLC
State: FL
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:
XXXX XXXX in XXXX Florida fraudently charged my credit card after agreeing to only use it for a {$1.00} XXXX time to get me started. They did that I repeated on tape that that was all I approved 5 times they agreed. Then they charged my card {$100.00} the next month forcing me to file a complaint and close my account at a cost to myself. Then I asked them to correct their billing they sent me a XXXX fee which again i was recorded agreeing to and no more then the charged the {$100.00} against a card instead of the {$49.00}. Then they would n't reduce it to what they promised I sent XXXX emails. They refused tried to negotiate {$60.00} instead of {$79.00} plus installation of XXXX which orginally they said was free. Now after I disconnected and repeatedly asked for bills at the {$49.00} for the XXXX month I was with them and sent back all my equipment which was verified with them and emailed XXXX more times they said they would have a manager review and work with me. They did n't they sent it to a collection agency fraudently. it was disputed at their level XXXX times via phone and email never verified now they have sent it to a collection agency and trying to charge for equipment they verified they received and XXXX know what else after they broke our contract by defrauding me with the use of my bank account and charging more then agreed. XXXX is disgusting in their fraud of lies of cost in using a bank account in a way not autherized and now not verifying a debt I demanded of them. Lastly my wife set up this account using my name and social security number which I didnt approve

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 2021-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
account. I have never done business with XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX Solution Provide verification of the following : 1. ) The original Application or contract ; XXXX. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; XXXX. ) Original date of default and collection activity begin XXXX. ). Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( XXXX ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX XXXX and Desist all further communications and collection actives and provide the verification of the purported debt.

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 2021-11-15
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Report : XXXX-Date of Inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Wells Fargo placed a hold on a cashier 's check and they forced me to make an appointment and go into a branch to get the hold released. I deposited the check in their ATM because all their branches are closed. Now I have to waste more time because they put a hold on a BANK CHECK, which should never have holds. They refused to release the funds -- a BANK CHECK!!! -- over the phone even though they had fully identified me as a customer with multiple accounts.

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 2020-05-29
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Fay Services was assigned to service my loan at the behest of the lender. The original lender required an escrow account for insurance and property taxes. The loan originated XXXX XX/XX/XXXX. 
The tax authority assessment for the first year includes a supplemental tax. This tax is in addition to the regular property tax. It is due in ( 2 ) installments, the first due date was XX/XX/XXXX. The bill was submitted 60 days prior to Fay Services by the tax agency and myself. I also called Fay, on their recorded line, and verified with their representative that the bill was received and due for timely payment. The Fay Services representative assured me that it would be paid on time. 

On or about the first week of XX/XX/XXXX, I went to the assessors site and discovered the bill had not been paid. Moreover, a delinquency penalty was added to the outstanding balance. I immediately called Fay Services and was told that the bill with penalty would be paid within the coming weeks. They acknowledged the error was theirs and that the penalty was not to be borne by me. 

The tax was eventually paid toward the end of XXXX. However, Fay Services debited my escrow account the penalty amount! After numerous calls on their recorded line, it remains unresolved. 

The 2nd installment was due XXXX XX/XX/XXXX. Once again I called Fay Services in the beginning of XXXX, to assure the same thing didnt happen again. Shockingly, it has. 
After multiple calls and promises, the past due 2nd installment remains delinquent with a penalty! 

Ive spoken to numerous Fay Services representatives, including those purported to be managers. Copies of the delinquent invoice have been scanned and received by them but the payment remains unpaid! I have written and called numerous times, but to no avail. 

I have also notified them that as a Registered Securities Representative, tax delinquencies are reported as required disclosures on my public facing registration site. This could be harmful to my business! This can not happen! I need your offices immediate help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have the monthly payment of XXXX + XXXX going to principal only. This is set up on a military allotment and has been for some time. I have attached the pay statements that show the money leaving my pay each month for the last several months. When XXXX/XXXX   went bankrupt and Shellpoint took the mortgage in XXXX I attempted to change the allotment code to Shellpoint 's code but not a single person out of approxiamately 15 people that I spoke with knew what I was talking about. My latest mortgage statement reflects that I have delinquent payments that are keeping me from buying a home. I have spoken with numerous people over the course of 13 days and never accomplished anything. I was told that I would be called back and never received a call. I have attempted to provide the trace numbers for the payments but Shellpoint said they couldn't do anything with them. XXXX XXXX XXXX XXXX can not pull the money back once it has gone to the corporation it was allotted to, it must be returned by the company. At this point none of the monies have been returned and have not been paid to my account either. I paid above and beyond to get my account current to preclude any further delay from being able to purchase the house I'm trying to get. I have had to explain this situation to every single person I've spoken with because I get a different person each time. Even the ones that seemed thart they might actually be trying to help failed to obtain results. As of XXXX XX/XX/2020, I still have not gotten any resolve nor proof that my credit reporting has been corrected. My prposed lender simply asked for a letter that stated that it would vbe reported that I have 0 x30, 0 x60 & 0 x90 days late payments. XXXX in the credit department stated that  she submitted this request on the XXXX of XXXX and when I called today I was told that there was no way to verify this because the customer service representative did not know when credit was reported. I requested XXXX and was told that " I must not have spoken with her because the credit department doesn't take calls ''. A supervisor was to review my file and call me back and a call was never received. Needless to say I've stopped my allottment and will no longer utilize the service that the military provides me because of the incompetance of shellpoint to correctly apply said monies. I'm currently out {$2100.00} that should have went to my account which has a principal balance of less than {$16000.00}. Today 's customer service representative also stated that I had been late 2 times in the last 12 months. As can be seen by my retirement pay statements that is not the case. These payments are made on the XXXX of every month. Please help me get this resolved before I get a mortgage fraud investigation started.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: EQUIFAX, INC.
State: NY
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:
Hello To Whom It May Concern, I have been trying to fix this the past few months and now the covid 19 going around i need to be fixed more than ever. I have been using my XXXX XXXX and noticed Dept Of  Ed/XXXX  late fee 's of a total of 48 on XXXX   and 54 on equifax. I was told by the studen loan company more than once that these late fee 's will not count against my credit score since I've been there a  long time and most of them are the same ones repeating since I have a few different loans. Each time I call they say the same thing that XXXX, equifax and XXXX  should not be showing this. I have wrote countless letters. Under the fair credit reporting act 609 this has been going on well over 90 days. I have been in contact with XXXX, equifax and XXXX  also and it just goes around in circles the blame game.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Selene Holdings LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2022, the borrower was approved for a trial modification with Selene Finance, but the terms were not provided. On XX/XX/2022, the borrower sent back the attached document stating that she wanted to pursue the loan modification. On XX/XX/2022, the borrower spoke to Selene, and they said the client was approved for a 3-month trial modification at {$670.00} a month. On XX/XX/2022, Selene 's attorney stated that his client was stating that they were never approved for a loan modification. No reason was given.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: Prince Parker & Associates
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX about XXXX XXXX, I received a call from collection agency. Prince-Parker and Associates, Inc. 

Prince-Parker & Associates , Inc. employee, XXXX XXXX : who has no employee ID, but did give an Account number XXXX as overdue for {$160.00} XXXX said right at the beginning of the conversation that she was reporting me to the collection agency today, XX/XX/2020, unless I paid today and my credit would be impacted unless paid today. 

I asked her to please make sur e conversation Is recorded and give me record identifier of this call. XXXX defused and said their company does not have any procedure to identify a call. 

Next she said that collection letters were previously sent to me, from Prince asking for payment. She read me the letter and date of the letter she said was from Parker Prince to me from weeks ago. 


I asked her to send me the letter. 

I told her I am tremendously familiar with the bill and it is an error on XXXX XXXX and already received one apology from them incorrectly billing XXXX  XXXX, when we disconnected the service and went to XXXX  internet. 

I told her I never received that letter and her reporting me is defamatory. I asked for the letter be emailed to me. 

By the afternoon, I did not get the letter and Called back today and got XXXX supervisor. 

I again requested the letter XXXX said Prince sent already. 

The supervisor sent me a letter from Prince dated today!!!! 

There was no earlier letter than one from today. 

Also the e XXXX XXXX account they are attempting to collect is in error and not owed. We have proof. 

We had XXXX  home phone, XXXX cellular service and XXXX XXXX and discontinued XXXX  when we started XXXX - I have receipt of paid in full for att uverse. 

Regardless, we spoke with XXXX at XXXX  employee ID XXXX MADE a ticket XXXX and said it would be fixed within 24 hours and Att would remove the bill and inform Prince. 

Prince Parker, through XXXX, regardless, threatened to report today to the credit bureaus on the phone call this morning, at XXXX XXXX if payment was not received today. That was their first contact with me. additionally it is pretty clear they also lied and made up a story about previous correspondence Additionally she read from a letter she said was from Prince to me and mentioned dates of letter weeks ago and she said was mailed from Prince to me demanding payment and I ignored their letters. 

I am pretty sure this too is a made up story and a strong arm tactic. 

So, as a recap this prince Parker collection agency seems to be scamming people.

Company response to consumer: Closed with explanation