BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-26
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:
On XX/XX/2022 I sent a dispute letter to verify all the information on my credit report. I sent it the dispute via certified mail with confirmation of receipt and tracking # XXXX. 

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX account # XXXX, has violated my rights because the high balance is inaccurate, the date of last active is inaccurate, and the date opened is inaccurate. 
XXXX account # XXXX, has violated my rights because the date of last active is inaccurate, date opened is inaccurate, and payment status is inaccurate. This is grounds for removal. 
XXXX account # XXXX, has violated my rights because the high balance is inaccurate, the date of last active is inaccurate, the date last reported is inaccurate, and the date opened is inaccurate. 
XXXX XXXX account # XXXX, has violated my rights because the high balance is inaccurate, the date of last active is inaccurate, and the date opened is inaccurate. 
XXXX XXXX account # XXXX, has violated my rights because the high balance is inaccurate, the date of last active is inaccurate, and the date opened is inaccurate. 
XXXX account # XXXX, has violated my rights because the high balance is inaccurate, the date of last active is inaccurate, and the date opened is inaccurate. 
XXXXXXXX XXXX XXXX account # XXXX, has violated my rights because the high balance is inaccurate, the date of last active is inaccurate, the date last reported is inaccurate, and the date opened is inaccurate. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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. 

Attached are before and after disputed credit reports, confirmation that credit bureaus received request.

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 2022-01-24
Company: Experian Information Solutions Inc.
State: GA
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2016-06-29
Company: Shellpoint Partners, LLC
State: NV
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I lost my job and got behind on my mortgage. I was able to make payments for a while but after a year I ran out of money and I could not continue to make my payments. I reached out to my servicer and asked them to help but they said they could not do anything for me. I want to keep my home and get back on track with my mortgage, however, the current mortgage servicer is unwilling to set up a payment plan with me or rehabilitate my loan in any way. They are asking for {$6500.00} upfront to reinstate my loan, but I do not have {$6500.00} cash to give them. I have contacted XXXX XXXX XXXX numerous times to set up payment arrangements, but they refused to accept any payments because they wanted the past due balance to be paid in full. I need to get some kind of help now and I do n't want to lose my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: Fay Servicing, LLC
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We took out our mortgage in XXXX through XXXX XXXX XXXX XXXX  who sold the servicing rights to Fay Servicing LLC. We paid off the mortgage with Fay XX/XX/XXXX and took out a new mortgage with XXXX XXXX. XXXX XXXX paid off that loan and Fay never filed a lien release on the title of our home. We started a refinance process with XXXX XXXX  in XXXX of XXXX. A request to file a lien release with Fay was sent on XX/XX/XXXX when we realized that Fay never processed the lien release in XXXX. XXXX requested the lien release XX/XX/XXXX and XXXX closed out the request and did nothing. I called every other day from XX/XX/XXXX until the end of XX/XX/XXXX. All I got was the runaround and no one would help me. The window for me to refinance closed at the end of XXXX. I contacted the Iowa Attorney General XXXX XXXX 's office at that time and I filed a mortgage complaint. They sent the complaint to Fay and gave them 15 days to respond. Fay waited until their 15 days was up and they finally sent the lien release. Their delay cost me to have to refinance my home at 2.99 % instead of 2 % because Fay neglected to file the lien release when they should have on XX/XX/XXXX! This has impacted our refinance! During the time I tried to work with them, I have never been treated so poorly! they were so rude and condescending and flippant about our situation! Do I have any legal recourse? They should be fined and held responsible for my financial impact. Thank you!! I don't really have anything other than the complaint I filed through the Iowa Attorney generals office which is an email format.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-25
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
XXXX, I Have AutoLoan With Ally Bank On A XXXX  XXXX XXXX, I made a partial payment on the loan and requested a one month deferment do to change of employment since then I have not received any type of understanding from Ally I have been hit with late fees past due payment on my credit reports .I also went to dealership XXXX XXXX only to find out that the vehicle dealer had sold out and also added the amount of previous vehicle that they bought from me to the total amount financed through ally, this is unfair pratices bye all parties, now my credit has been put in jepordy and I have been threatened with repo and bad credit

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 2018-09-19
Company: CITIBANK, N.A.
State: IL
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:
I opened a citibank card to pay for one semester of graduate school since I didn't want to take out any more school loans after paying those off. It has been a huge headache ever since. I was on sick leave and thus, I wasn't registered from the time I ended school and the time I graduated. I had to wait for the next possible graduation date. I was not taking classes in Summer of XX/XX/XXXX. I took classes the previous semester and paid for those online with XXXX. There was a glitch in their system and they charged me for summer when I wasn't needing any more hours or classes. They have admitted to their mistake but because their system works with an outside billing system they asked me to open a dispute with my bank. I have done this five times. Each time citibank completely blows me off. I am XXXX, on a limited income, and trying to better myself by getting my XXXX XXXX and they have made my life a living XXXX. This is not my debt. Only have of what is on this bill is mine and I have stopped paying until they remove it, thus ruining my previous stellar credit. The charge on XX/XX/XXXX for {$3300.00} at XXXX is not mine, it is not for me because I was not registered at that time or taking classes. I completed my work that spring and have proof from the registrars office. This is an example of how Credit Card companies don't care about human beings. 

I will copy the email from XXXX here in case there is no place to upload a document. 


Begin forwarded message : XXXX XXXX <XXXX> XX/XX/XXXX at XXXX XXXX CDT XXXX XXXX <XXXX> Hello XXXX, Thank you for your email. After reviewing your request with the Registrars Office, it has been determined that your request is for directory information, so we can provide it without additional information. 

Graduation Date : XX/XX/XXXX This was the first graduation date available for your class, but this does not mean you took classes up until that point. You were on leave with an illness so you had to wait to graduate with the XXXX XXXX class but were not registered the summer of XX/XX/XXXX. 
Last semester of enrollment : Spring XX/XX/XXXX You were not enrolled Summer of XX/XX/XXXX or after summer XX/XX/XXXX and you should have received no charges on your student account after spring semester, XX/XX/XXXX I apologize that you are still having issue with your bank disputing the charges. Unfortunately, that is the process when this happens and I hope this letter is helpful. 
Please let me know if you have further questions. 

Thank you, School of XXXX XXXX University XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, ND XXXX P XXXX | F 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 2015-04-06
Company: JH Portfolio Debt Equities, LLC
State: ID
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
Someone from this number, XXXX keeps calling my father 's residence looking to speak with me. Apparently, she has told my dad there will be legal action taken against me if I do not pay " said debt ''. However, I have all my financial information taken care of. She is violating the Fair Debt Collection Practices Act by threatening someone else for a debt I supposedly owe. There is no verified debt amount, who the debt is from, and or a federally required debt collection notification letter sent to my address over said debt. 
I want these calls to stop occurring right now.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I called SPS Servicing mid XXXX about the payments for XXXX and XXXX we're having trouble with on my rental property my son lives in. We've both been impacted by Covid with reduced income, but his employment and income was almost stopped because of the Covid virus impact. 

I told them I wanted to do a forbearance for the payments for the next 6 months as he's getting income coming in now, but will take time to catch up. I asked them to send me the paperwork to complete for the process, and they said they would. NO one told me the paperwork was on their website, I waited for it to come in the mail. 

When I got many letters from them, none contained the paperwork to complete, but one was the NOTICE OF DEFAULT! This is the start of the foreclosure process, which the CARES ACT  was to keep lenders from starting until XX/XX/XXXX per the federal law. I was upset to say the least that I received NO paperwork on requesting help, but a NOD! 

Since I thought, the request maybe handled online, I went online XX/XX/XXXX, and completed the request for forbearance online. I called XX/XX/XXXX and talked to several people ( although wouldn't transfer me to my relationship manager single point of contact ), and they told me they have no application showing my request. Even though I got a confirmation email the request was received ( attached ). Apparently there is a link that says, 'having trouble due to Covid ',  and I needed to fill out that request and not the one that said - need payment assistance. I was not able to complete it as it said I have an application in the system. 

In all the letters they sent me, I received a letter that I have a relationship manager, but they would not forward me to him. The person told me she reset the system so in 15 minutes I would be able to complete the COVID forbearance information. I tried several times, and I can not get the application I already completed with income and reasons for issue. 

My fear is this house has a lot of equity, {$150000.00} ; and the mortgage company is not going to cooperate with this forbearance request. If they start to add on the foreclosure costs, I will not be able to catch up the payments and their MASSIVE foreclosure fees. I can not get the relationship manager to talk to me, and I'll be bounced around until the loan is not cured and foreclosure will move to sheriff sale and all the fees involved. 

We are now 3 payments due and will be making one payment this month, and should be caught up by end of XXXX, worst case XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: JPMORGAN CHASE & CO.
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX, 2006 we refinanced our home and paid to have paymentsscheduled for every XXXX weeks. This has occurred through severalservicing companies. I was notified JPMorgan Chase has boughtthe loan and they will not accept my payment schedule. They willonly accept monthly payments. As of today they could not even tellme how much I owe per month or my due date. How can a mortgagecompany change the terms of my repayment? This is unfair and willkeep me from paying down my mortgage faster. They will only acceptadditional principal payments with the monthly payment. It can not evenbe sent at a different time. My next payment is due with the old servicingcompany on XXXX XXXX and Chase " thinks '' my next payment with them isXXXX, but they do not know for sure or for how much. This could create afinancial hardship if it is in fact a whole payment due a few days later. 
Even though they think the payment is due on XXXX XXXX, they will not evenaccept payments until XXXX XXXX. How can I pay my mortgage on time andavoid negative credit history, if I do n't know when it is due or how much? 
the mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: Hunt & Henriques
State: CA
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:
I will respond to Hunt and Henriques correspondence dated XXXX XXXX, 2017.  That was sent to your offices and forwarded to me. I demand they cease and Desist Collection activities. They have no legal right to file any motions or collect any funds for these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: Med-1 Solutions, LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I filed a Ch XXXX bankruptcy in XX/XX/2018 which included several accounts from Med 1 Solutions ( XXXX XXXX ).  The particular account # XXXX. I have disputed the account with XXXX and provided supporting documents showing the debt to XXXX showing it was included in the bankruptcy. XXXX contacted Med 1 and stated to me that this collection is valid. I sent Med 1 Solutions a copy of my bankruptcy document and they refuse to update my XXXX credit report showing included in the bankruptcy. It stills shows owed and not included in the Ch XXXX   bankruptcy. This has been going on for more than 6 months and at this point I do not know what else to do to rectify the situation. 

Thank You,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: Healthcare Management, LLC
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
When the summons was delivered to my work, it was handed to someone other than me. As I understand it, this violates HIPAA standards. I can furnish a notarized statement from this individual if need be. 

I should add, the summons was offered without a case number on the form. If it had had a case number, Or if it had been delivered by a Sheriff or someone more official, I would not have judged it as a collections ruse to scare me into complying.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
In accordance with the Fair Credit ReportingXX/XX/XXXXXXXX account # XXXX, XX/XX/XXXXXXXX account # XXXXXX/XX/XXXXaccount # XXXX, US BKPT CT XX/XX/XXXX XXXX account # XXXX, US BKPT CT XX/XX/XXXXXXXX account # XXXX, US BKPT CTXX/XX/XXXXXXXX account # XXXX and XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2022-01-24
Company: Consumer Collection Management. Inc
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX*THIS IS NOT A DUPLICATE COMPLAINT. *** I AM THE CONSUMER AND I KNOW MY RIGHTS 12 USC 5511 ( c ) ( 2 ). The Consumer Financial Protection Bureau is to protect me from unfair deceptive or abusive practices from discrimination, 12 USC 5511 ( b ) And enforce actions of violations of Federal Consumer Financial Law. Consumer Collection Management Inc has violated the Gramm-Leach-Bliley Act. 
I sent XXXX XXXX XXXX a letter on XX/XX/2021 exercising my right to opt out from them disclosing my nonpublic personal information ( personally identifiable financial information ) to any and all nonaffiliated third parties. I never received a response back from this company and they are still disclosing my personally identifiable financial information to nonaffiliated third parties, consumer reporting agencies and resellers. I have attached the letter I sent them including my drivers license and proof of address, even though I am aware proof of identity and proof of address are not required for me to opt out of my nonpublic personal information from being disclosed to nonaffiliated third parties.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have a vehicle lease with XXXX XXXX where I make a monthly minimum payment of {$320.00}. I have gone through a really deep financially hardship since XX/XX/XXXX and have been late on several payments. Also, I am new to credit and did not know that these late payments would be going on my credit reports.

The dates of the late payments include : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
there were fraud checks deposited into my bank acct ( Capital One ) and an ATM withdrawl of {$480.00} that Capital one bank is holding me responsible for. the ATM withdrawl was done in IL. I called and reported my card lost and the fraud on my acct. Capital one is holding me responsible for the {$480.00} withdrawl that I did not make. they are also ending our banking relationship saying I am a liability. how can I fight this? All my funds are on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX has violated my rights. 

15 USC 1681 section 602A 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 with out my wriiten instructions

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