BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-14
Company: Experian Information Solutions Inc.
State: LA
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: Investigation took more than 30 days

Complaint:
On XX/XX/2022. XXXX, XXXX, and Experian failed to produce an investigative report on XXXX XXXX XXXX aka XXXXXXXX XXXX  XXXX aka XXXXXXXX XXXX XXXXXXXX accounts posted to my consumer report. It is a violation of my consumer credit rights to report on a debt I never validated. It is identity theft to transfer or allegedly transfer a taxpayer identification number without the authorization of the taxpayer to aid and abet a form of payment. It is tax fraud to not sent copies of 1099c and 1099 OID to the taxpayer by XX/XX/XXXX of the following year. It is a violation to assign say any consumer owes a debt and that any debt is seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department. That is a violation of 15 USC 1692e, no lawyer, no collection agency or allege credit grantor can act as a debt collector.

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 2022-07-09
Company: EQUIFAX, INC.
State: WA
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:
So I sent a letter off on XX/XX/2022. Here is my tracking # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. To remove personal information that I did not want on my credit report. 

According to the fair credit reporting act 15 U.S Code 1681. I have the right to privacy.

Also according to 15 U.S Code 6802. No financial institution is not suppose to share my information to third party people.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information These are clear violations of my my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: JPMORGAN CHASE & CO.
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I graduated from college in XX/XX/XXXX. Yesterday ( XX/XX/XXXX nearly 5 yearsafter graduation ) I received a letter from XXXX XXXX XXXX regarding aprivate loan. When I called XXXX they informed me that I had a loan with Chase inthe amount of {$5400.00} at a 8.750 % interest rate. XXXX informed me that Chasewas no longer servicing this loan but they were. I informed them that for the past 5years I have NEVER received any type of letter or bill from Chase regarding anystudent loan! They have failed to provide me with the proper paper work regardingthis student loan ( of which they currently have on file considering XXXX knows myaddress ) and also failed to inform me that they were no longer servicing my loanbut that a different lender would be! XXXX also informed me that my father ( XXXX ) who I have n't spoken to in at least 3 years has been paying this bill. Iwant to know why no documentation was ever sent or forwarded to my homeaddress regarding this loan until now? I find this to be unprofessional andunacceptable. I could 've defaulted on this student loan because of their inability toprovide me with proper documentation! I requested from the XXXX representativethat the original promissory note be forwarded to my home address regarding thisloan immediately! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I filed bankcruptcy XX/XX/XXXX. It was discharged XX/XX/XXXX. I had a loan modification done with my previous loan servicer before they sell the loan to Ocwen loan and it was approved by the backcruptsy court. Now the new servicer Owen loan is not enforcing the loan modification as they are claiming post-petition arrears even all my payments have made timely. They were claiming my 3 months trial payments were not received as well as the signed modification documents. I have sent all the documents and my payments were all went to the bankcruptsy trustees. Now they are claiming that I owe them {$66.00}, XXXX as a post petition interest. I total disagree and this is just plain wrong doing. I am OK for you to share this letter with other people as it maybe happening this problem to others.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: Empowerment Ventures, LLC
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
My name is XXXX XXXX and my employer posted our direct deposit on Friday, in which with rushcard I usually get my deposit on Monday night 's at XXXX. My deposit has n't posted, ca n't get through by phone, website not working and no way of contacting anyone about my money. I 'm bout to lose my car. My employer ca n't cut no checks until deposit is returned, my car will be gone by then. The only information is on XXXX on rushcard page, there are so many XXXX angry customers posting about not receiving their direct deposit since last week.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 repeatly disputed the validity of a bankruptcy that is showing on my credit file. I have made several attempts to work this issue out with the credit bureaus and each time they are telling me that this bankruptcy belongs to me. I have been a victim of id theft my information is showing on the dark web. I have been working so hard to have inaccurate information removed and the credit bureaus are giving me a hard time. I have not filled bankruptcy and this should not be reported on my credit profile. I would like this removed STAT so I can move on with my life. Secondly if this bankruptcy belongs to me per cdia a minimum of consumer personal identifiying information such as ( name address ss ) has to show on the document and it does not so I am asking again that this item be removed from my profile. I have attached a copy of my ftc report the company requested my id so I have it attached

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 2022-03-14
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:
I XXXX XXXX XXXX SUBMITTED DISPUTES AND DOCUMENTS REGARDING INFORMATION THAT SHOULD NOT BE REPORTING ON MY CREDIT REPORT AND BY LAW THESE ACCOUNTS SHOULD BE REMOVED IMMEDIATELY. I AM IN THE PROCESS OF PURCHASING A HOME AND GETTING A SBA LOAN BUT THE ACCOUNTS ARE HOLDING ME BACK. THIS IS DEFLAMATION OF CHARACTER AND FRAUD.

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 2016-12-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I have had XXXX check payments set up on my Checking account for the amounts {$350.00}, {$180.00} and {$560.00}. These were payments to my condo association that have been in place for over a year. 

I closed my checking account recently. The local banker in XXXX, CA who closed my account and I ensured that all the check payments were in fact funded and had already debited to my account. The local banker closed the accounts and returned my balances to me. 

I was expecting these payments to reach the recipient by XX/XX/2016 after which a late fee could be assessed. Without any forewarning today XX/XX/2016 Chase stopped the payments of XXXX checks on frivolous grounds that the payee address is incorrect. The address on these payee accounts has n't changed in over a year. 

Chase has taken illegal possession of my funds. They are now holding on my funds even though my checking account is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: Synovus Bank
State: OH
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 XX/XX/2021 15 U.S. Code 1666 - Correction of billing errors Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( 4 ) The creditors 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 the creditor on a statement. 
( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. 
( 7 ) Any other error described in regulations of the Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
go back on XX/XX/2019 I sent my XX/XX/XXXX payment due of {$60.00} min due to be credited to my account ending in XXXX PayPal Credit is the Creditor. 
but Pay Paly Credit never applied my payment I called on XXXX of 2019 to make a dispute over the phone buy they did not help me they told me they need me to get proof of such payment so instead of they investigate my missed payment they asked me to me to do so,,,, so iI order a copy to XXXX I received proof of payment it was deposited into Pat pal checking business CORPORATION BANK account Iam attaching proof of my payment was never credited into my pay pal account they reported lates since then on XX/XX/2019 and more lates during the past 3 years I am having difficulties getting jobs positions since they damage my Credit becaiuse they reported lates in my 3 Credit bureaus

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 2020-03-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My credit card account at Capital One Bank was charged a total of {$180.00} by the XXXX  gas station in New Jersey in XX/XX/2019. I have not made these purchases since I have never been to NJ. I have made several phone calls and letters to the bank. The bank refuses to credit the funds to my account and continues to charge me {$180.00}. The bank should credit me the amount of {$180.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-31
Company: TCF NATIONAL BANK
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We have a second mortgage with TCF bank. For the past 11 years we have been paying {$440.00} per month. We used to get a once yearly statement. Recently we have getting a monthly statement. I realized that the amount of principal credited each month was questionable. It should more principal credited each month.. From the enclosed statement you can see that was not the case. In fact almost 2 years of payments show no principal reduction at all. As you go over the statement you find many inconsistencies. Such as we have made the XX/XX/XXXX payment on XX/XX/XXXX. The principal on the statement said {$250.00}, yet we were credited {$120.00}. We were credited {$170.00} on XX/XX/XXXX and then {$140.00} on XX/XX/XXXX. Why would it be less? Why would it be less again on the next payment? I called TCF on Tuesday XX/XX/XXXX at XXXX my time.I spoke with XXXX and she had no explanation. The called last 26 minutes and she acted like I did n't know what I was talking about. She said she would send out a statement and call me in a week. I received the statement which have enclosed. Today is XX/XX/2017 and no call back The money is automatically withdrawn by TCF from another TCF account on the XXXX of each month. Due to circumstances at the time we had to accept a loan that was not very good. We have lived up to our part of the agreement all these years. Due to a first mortgage that is almost paid off TCF would not refinance this loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16
Company: TENET HEALTHCARE CORPORATION
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Due to the fact that my problem does n't truly exist in the drop down menu I will explain it myself in detail. I sent a Medical Creditors Validation letter with HIPPA requirements to Central Financial Control. I had my Personal Financial Consultant XXXX XXXX to speak on my Behalf with them as well. I sent a legal authorization form to them as required. This account is a medical account that was in their office and I sent the letter for them to validate the debt in the allotted time frame given by the FDCPA which is 30 days. In my case the debt was validated wrong by Central Financial Control. Therefore, by the FDCPA and Texas FDCPA Law which state that a debt collector must be register with the State of Texas in order to collect a debt in Texas. Also, I know that a Debt Buy can not hire another debt collector to collect for them in Texas therefore this debt can not be transferred to another collection company. Therefore, this debt should be removed from out of the office of Central Financial Control.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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: Investigation took more than 30 days

Complaint:
On XX/XX/2022. Transunion, XXXX, and XXXX failed to produce an investigative report on XXXX XXXX XXXX aka XXXXXXXX XXXX XXXX aka XXXXXXXX XXXX XXXX accounts posted to my consumer report. It is a violation of my consumer credit rights to report on a debt I never validated. It is identity theft to transfer or allegedly transfer a taxpayer identification number without the authorization of the taxpayer to aid and abet a form of payment. It is tax fraud to not sent copies of 1099c and 1099 OID to the taxpayer by XX/XX/XXXX of the following year. It is a violation to assign say any consumer owes a debt and that any debt is seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department. That is a violation of 15 USC 1692e, no lawyer, no collection agency or allege credit grantor can act as a debt collector.

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 2022-07-09
Company: DISCOVER BANK
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Purchased a new living room sectional couch On XX/XX/2022 from XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX for the amount of {$2200.00}. Upon delivery the item being delivered was damaged. A replacement item was supposed to be delivered and an additional charge of {$890.00} was billed to my account 3 times. The Credit card company refused to refund the money to my account and provide a reasonable resolution regardless of the documentation and witnesses provided to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
on XX/XX/2021 i sent the credit bureau a dispute letter, along with a FTC report concerning an account that was not opened by me. Under FCRA 605B ( 15 U.S.C. & 1681 c-2 ) This fraudulent account must be removed within 4 business days. I do not owe this alleged debt and they cant provide me a method of verification. The name of the collection account is ( XXXX XXXX XXXX ). I have no consent of this alleged debt, i want this account to be removed from my credit report immediately, thanks.

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 2015-07-18
Company: Jon Barry and Associates, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have several accounts that are listed with this company that is a result of my identity being stolen and are fraudulent I have submitted an ftc report # XXXX and a police report detailing the identity theft and some of the fraudulent accounts that are listed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-04
Company: Specialized Loan Servicing Holdings LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid my mortgage payment of {$1200.00} on XX/XX/2020 electronically, the same way I do every month. On XX/XX/2020 I received a call saying my payment was late, and had not been received. I talked to their representative who told me they show receiving the paymental on the XXXX but sent it back to me on XX/XX/2020. They told me a supervisor would contact me. After many attempts I was able to speak with a supervisor 1 time, she told me the account number they sent the money to did not match the one I sent it from. She also said that to the best of her knowledge, it didn't look like it was sent anywhere. She requested a copy of my bank statements for the month before and all time since the transaction. I did this and also had my bank send copies directly at a later date. They side they received them and have promised to have a supervisor get in touch with me but I have never heard from one again. I have contacted the company many times over the last 6 weeks and gone through this with each associate I have spoken with but have had no resolve and have not gotten any response from a supervisor since. I paid XXXX 's payment because I don't want to get behind, it was received normally without problem but they credited it as XXXX payment. So I have informed them I will not pay again until they get my payment of XX/XX/2020 credited to my account with all associated interests paid and any late fees removed. They are now harassing me for " XXXX 's " payment but refuse to resolve their mistake. They told me they show that neither myself nor my bank ever requested a return of funds and that they don't understand why they would ever return a payment especially 11 days later. But right now they sent {$1200.00} somewhere and claim it was me. It was not me and don't understand how they can hold me responsible. It was their error. They received my money, they admitted that.

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 2018-03-15
Company: Southern Management Systems 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:
wrongful eviction stated on my credit showing a balance due when there isn't

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 2015-05-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have disputed XXXX address on my credit report. Experian said the addresses were removed and that my credit report only showed my current address. However, the following week I called Experian on XXXX/XXXX/15 only to XXXX that they did not remove the addresses that they claimed were removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation