BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-29
Company: Law Offices of Robert J. Colclough, III
State: NJ
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:
I 've never received anything from this collector regarding this debt or right to verify or dispute it just appeared on my Credit Report out of nowhere i sent a letter to the address on my credit report address no response there is no phone number attached to the collections or the original debtor to verify and it dropped my score and I would never let XXXX which the alleged amount of the debt ruin my credit.

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 2021-09-23
Company: AMA Advisors, LLC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After my XX/XX/2021 payment, the outstanding principal balance of my loan was {$350000.00}. Based on my amortization schedule that puts me at 77.8718 % resulting LTV %, which means I no longer have to pay the monthly PMI charge of {$100.00}. 

On XX/XX/2021, I called HomeBridge customer service regarding this matter to ensure that the PMI automatically drops off my loan balance as of XXXX, as per my amortization schedule. The agent informed me that customer service doesn't handle PMI matters and gave me an email address to reach out to. Right after I hung up, I proceeded to email XXXX to let them know the above. 

On XX/XX/2021, after 7 days of no response to my email, I followed up with XXXX again. 

It is now XX/XX/2021 and yesterday I received my paper statement in the mail for the month of XXXX, and it still shows the {$100.00} PMI amount due. 

I am filing a complaint here as a last resort to attempt to get a response from HomeBridge. They have given me problems with my escrow balance in the past, as they are very inefficient and uncommunicative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
They call repeatedly about an old debt that is not owed. They threaten further action. Yell at me and make derogatory comments. Calling cell phone without permission. They end up hanging up when I try to tell them the debt is no longer valid.

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 2018-12-13
Company: EQUIFAX, INC.
State: WI
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:
XXXX XXXX XXXX  XXXX Payment Status : Paid Balance : {$0.00} Account # : XXXX Date Open : XX/XX/XXXX Last Updated : XX/XX/XXXX This account was to be removed from my report and to date it has not been completed. I can no longer request Equifax investigate the issue as they will not reinvestigate. Because the item has remained on my file it has impacted my obtaining credit as the vendors have specifically mentioned this item. Please remove this from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of identity theft. I have suffered tremendously from this. However, yes I received a letter from XXXX XXXX that they have realized I have suffered from Identity theft and removed this of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I've never had a XXXX card or XXXX account this isn't mine XXXX sent me a letter stating that itS my account due too the person making payments on this account that not mine.

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 2017-08-16
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A statement admitting whether AMERICAN EXPRESS is the holder in due course or whether AMERICAN EXPRESS is a servicer. A statement admitting whether AMERICAN EXPRESS sold my note in a pooling or servicing agreement. This is also known as securitization..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
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: Reporting company used your report improperly

Complaint:
As a consumer ( XXXX XXXX ) and the one who holds ALL THE POWER, these accounts on this letter must be deleted immediately, or I will seek monetary damages in small claims court in my city and state. Since I attached my form of ID, PROOF OF ADDRESS, & Social Security Number : XXXXXXXX, This complaint lists someone that your company should recognize as their customer or their customers authorized representative. I sent this agency a letter on XX/XX/2021 letting them know that there are fraudulent accounts on my credit report. This agency ignored my letter and still to this day XX/XX/2021, they have not responded. I feel as if my consumer rights are being violated and I'm sick of it. Also we have already involved and sent this letter to the Consumer Financial Protection bureau, attorney generals office, XXXX XXXX XXXX and federal trade commission. the Erroneous RESULT OF The Equifax XXXX Data Breach Direct Violation 15 USC 1681 Reporting incorrectly. PAYMENT HISTORY DATES ACCOUNT NUMBERS BALANCE INCORRECT AMOUNTS PAYMENT STATUS Inaccurate across all 3 Bureaus XXXX XXXX and Equifax. also I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. SO If I received good and services, then please have a senior executive certify under the penalty of perjury that I in fact received good and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ). please see attached invoice and pay it immediately upon receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
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: Old information reappears or never goes away

Complaint:
I expressed a dispute request by phone and in writing at the end of XX/XX/XXXX and XX/XX/XXXX that 2 student loans with XXXX are older than 7 years and should not be reporting. They were originated in XX/XX/XXXX and XX/XX/XXXX. I disputed this twice, it was removed and XXXX erroneously placed it back on twice without notifying me within 5 days of reinsertion per FCRA guidelines.

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 2017-01-24
Company: Prince Parker & Associates
State: IL
Product: Debt collection
Sub-product: Auto
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
XXXX KEPT CALLING MY CELL PHONE 11 TIMES AFTER AI TOLD THEM NOT TO, ALSO FAILED TO VALIDATE DEBT OR REFUSED TO CEASE AND DESIST WE ARE DEALING WITH XXXX DIRECTLY, WENT ON MY CREDIT AS A INVALIDATED DEBT INQUIRY.REFUSED TO CEASE CONTACT.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) Thecreditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of thecreditoron a statement.

As I know the creditor didn't notify me 21 days before with a statement so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this is clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 
XXXX XXXX  XXXX As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, StateAttorney Generals Office, XXXX XXXX XXXX, andFederal Trade Commission ).

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 2022-04-25
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX XXXX  keeps insisting that this account belongs to me but the address isnt showing any addresses Ive ever lived at & the date opened on this account is incorrect in addition to the active date being inconsistent as well as date of last payment being inaccurate. Even if this was my account it still has many discrepancies

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 2017-04-19
Company: CITIBANK, N.A.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Open account with CitiMortgage  XXXX   XXXX . Account went Delinquent in or around  XXXX  or  XXXX   XXXX , which was reported to all  XXXX  major Credit Bureau pe r CitiMortgage. CitiMortgage is not r eporting the correct information to all Credit Bureau, yet ; reporting it as  XXXX . I have calle d CitiMortgage and re quested they correct this wrong information &amp; send payment history from    XXXX   XXXX  -  XXXX   XXXX  .  It would not have taken me 2 years to be or become delinquent in payments. House was foreclose and sold  XXXX   XXXX . At the present, I am in the process of having a reinvestigation submitted on my behalf and waiting the outcome of the decision.

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 2017-08-29
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
To whom this may concern XXXX is reporting that my students loans are late I 've never received any documents from the company I call them in XX/XX/XXXX and that 's when they sent the first bill but its showing on my credit report I 'm over 100 days late.

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 2019-08-05
Company: SYNCHRONY FINANCIAL
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
CFPB, I have a automated payment set up from my checking account to pay off my Amazon debt. I didnt expect my minimum payment to increase. I was charged for three late fees from XXXX, XXXX, XXXX and I didnt receive notification of them until XXXX. I would like to file a complaint because I never miss a bill payment and I didnt receive a notice from Amazon until I made contact with them by phone and received notification that they emailed me notification about my minimum payment increase from {$25.00} to {$27.00} I have been paying the minimum payment of {$25.00} for more then 36 months and I wasnt expecting for there to be a minimum payment increase or receive notification by email that my minimum payment increased from {$25.00} to {$27.00} after three months of my automated payment. I would like to file a complaint because I shouldve received notification about my late payments each month. 

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 monetary relief
Consumer complaint received 2018-05-04
Company: Freedom Mortgage Company
State: OR
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
freedom mortgage lower the vaule of house on paper XXXX. so they could charge me XXXX for mortgage insurance. l went from a arm to a fix same company same home. call company said it was because of a va loan fee. not true have XXXX XXXX XXXX  XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
XXXX-I was sent {$38.00} dollars XXXX-I was sent {$700.00}. 
I have been paying friends and family through this app. When I went to transfer my funds to my bank, they froze my account. I sent them all the necessary bank statements and DL and the closed my account. They have {$730.00} of my money and will not return it. I need to pay my rent. This is a horrible thing to do during a pandemic. Ive been dealing with this since XX/XX/2021 and now Im out of {$730.00}!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
for over a year i have been writing the bureaus about my credit scores. Experian has refused to take this account XXXX off of credit report, even though i had submitted a government affidavit. two years, and now we now know the bureaus have investigated, less than 2 percent of customer disputes. Am i part of that 98 %. I affidavit from areal live human doesn't matter, a XXXX robot, takes action that hurt american lives. I ahve written my Governor, the lender, the bureaus. I have a very popular XXXX surname, and i have had issues in the past, with business documents, lol, but this is truly not funny, when no one helps, a affidavit doesn't help, and, the bureaus screwing americans down from investigating 19 % of all disputes, to a big solid 2 %. WOWW, whose helping the little guy

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 2020-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2010 with a balance of {$0.00} -This is not my account.

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 2020-07-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/2010 with a balance of {$0.00} -This is not my account.

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 2019-11-18
Company: Automated Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX, a debt collector with ASCI - Automated Collections Services, Inc of XXXX TN.- has called me twice in one week on a debt that is not overdue. She called me twice over a debt where the most recent payment was exactly 20 days prior. ( Paid XX/XX/XXXX, called by this representative on XX/XX/XXXX and XX/XX/XXXX. ) This is outside the 30 day guideline. Furthermore she was rude in her tone to me and stated that ASCI has not " heard from me since XXXX. '' ( This is on XX/XX/XXXX ). I told her that yes, that made perfect sense ; because I paid them in XXXX and now it's XXXX. But she seemed unable or unwilling to acknowledge that my payments have been completely on time. I am disgusted by being targeted and spoken to as someone who is delinquent when I am not by a representative for a company who I have paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: EQUIFAX, INC.
State: NJ
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 AM WANTING TO KNOW THE REASON AS TO WHY THE NEGATIVELY REPORTING ACCOUNT FOR XXXX ( XXXX XXXX ), IS STILL REFLECTING ON MY CREDIT REPORT WHEN I CLEARLY ATTEMPTED TO GET IT REMOVED SINCE : XX/XX/2019. I HAVE SUPPORTIVE DOCUMENTATION THAT THE ACCOUNT SHOULD NOT BE REPORTING AS A CHARGE-OFF STATUS WHEN I PAID IT IN FULL, THERE IS NO BALANCE WHAT SO EVER. NO ONE HAS DONE ANYTHING ABOUT THIS MATTER AND IT IS CRUCIAL TO GET THIS REMOVED RIGHT AWAY. IT IS HINDERING ALL ASPECTS OF MY LIFE AND NEGATIVELY IMPACTING MY CREDIT SCORES AS WELL.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: JPMORGAN CHASE & CO.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I purchased a car from a car lot using a loan from XXXX XXXX in XX/XX/XXXX. About a week later, I paid off the loan with a Chase loan in XX/XX/XXXX. I received confirmation from XXXX in the form of a letter stating that my loan had been paid off and that they would release the lien. I do not have a copy of the letter and as of XX/XX/XXXX, XXXX refuses to send me a copy of the letter, proof that my loan was paid off, or that they released the lien. 

On XX/XX/XXXX, I tried to sell my truck to a car dealership. They agreed to payoff my loan with Chase, but discovered that Chase is not the lien holder and that the previous owners are still the owners of the car. Me and my mother ( the supposed owners of the car ) are not on the title. I called Chase, and they told me that they would obtain XXXX 's lien release, transfer the title from the previous owners to the current owners, and record the Chase lien by XX/XX/XXXX. They never did. They kept asking for more time, extensions, and Chase keeps blaming XXXX for not sending the lien release to them. However, XXXX already confirmed that they sent the first lien release and title to Chase 's XXXX XXXX  in XXXX XXXX, Texas in XX/XX/XXXX. And XXXX confirmed that they resent the lien release in XX/XX/XXXX. 

Chase keeps saying that XXXX has not responded to their request for the lien release, and XXXX says that they have already sent it twice. 

Meanwhile, Chase keeps withdrawing the monthly payments from my checking account despite the fact that they do not have the title, or a lien recorded on my truck. 

Also, I can not renew the license plate 's registration on my truck, which expired in XX/XX/XXXX, because the license plates that are on my vehicle belong to the previous owners since Chase never transferred the title to the current owners ( me and my mother ). 

As of XX/XX/XXXX, the truck is still under the previous owner 's name with XXXX as a lien holder, according to the Texas DMV.

Company response to consumer: Closed with explanation