BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I got an email from TransUnion [ TU ] stating, " Show me my score now. ' When I clicked on it, it gave me an erroneous score of XXXX, down from last month the last time when it was XXXX. I called them and they told me that there must be negative factors and they have a different score than XXXX. I check my score every month thru XXXX XXXX which lists my TU score at XXXX. I also checked with Free Score Online, which also lists the score at XXXX. Even the TU website lists my score as XXXX -- so the question is, which score does TU give out to inquiries, the emailed score or the internet score and why is there a discrepancy between the XXXX? TransUnion has no reason to list my score as 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 2016-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
There is an address on my credit report that is not mine. I looked that address up and it is in an upscale area with the homeowner having the same last name as mine. Also XXXX of the verification questions says I may have a opened a home loan and questions the home loan payment. I answered none of above and my online reports were denied. How do I get that address off my credit report which may be linked to the verification questions?

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 2022-11-15
Company: Sunset Solutions Group, LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Up to five calls everyday including family and friends will not tell me what dept this is about. 
I can only assume its from a bankruptcy that I had in 2009. 
Not sure what to do to get them to stop calling my XXXX XXXX XXXX mother. 
I have asked for them to send a letter and outline what this is about. But all they want is a credit card that I will not give to them.

Company response to consumer: Untimely response
Consumer complaint received 2017-02-08
Company: U.S. BANCORP
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I purchased a home on XXXX XXXX, 2016. I prepaid {$1100.00} in interest for the month of XXXX to the originator ( Bank XXXX ) as part of closing ( found on the XXXX. ) The mortgage was then sold to another bank ( Bank XXXX ) on XXXX XXXX, 2016. Bank XXXX only reported ( on the XXXX ) the interest paid between XXXX XXXX and XXXX XXXX, 2016. Bank XXXX only reported interest paid between XXXX XXXX and XXXX XXXX, 2016. This left an unreported sum in the amount of the difference between the prepaid amount and the reported amount from Bank XXXX - which has an impact on my taxes. 
Bank XXXX stated that they are n't responsible for any prepaid interest made prior to their purchase. Bank XXXX stated that they only report the interest paid/applied while they owned the loan. Both are adamant that what they reported is accurate. If that money did n't go towards interest, where did it go and why is the consumer ( me, and I imagine many others ) getting XXXX out of the reported interest paid on the loan due to a mortgage transfer?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I disputed a fraudulent account with XXXX XXXX XXXX in XXXX 2016. This account is still reporting on my credit reports. I have contacted them several timesmall and they stated this account will be removed within 30 days of completion. 

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have already received my credit report from Trans Union. I disputed XXXX incorrect addresses showing on my Trans Union report. They removed XXXX but not the other. I filled out a form and mailed to them to remove the XXXX address *that i had already requested* no response, no correction. I am now trying to view online and start a dispute, AGAIN, over the SAME 1st request. Now Trans Union says credit reports are not available at this time. This credit agency is a farce.

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 2020-06-20
Company: Choice Recovery, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Thank you for reviewing the complaint. After reviewing the credit report choice recovery which is collecting on behalf of unfamiliar source continues to place items on the credit report. Requesting validation of all information pertaining to the amount displayed.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09
Company: Optimum Outcomes, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Optimum Outcomes called me on XXXX/XXXX/XXXX for the second time about the same visit. The first call was on XXXX/XXXX/XXXX for a hospital visit on XXXX/XXXX/XXXX that I did not receive a bill for. I paid that balance of {$94.00}. I received a call today saying that I owed {$21.00} for the same visit. I had received no written communication about this debt until today when I asked for it via email. 

I initially tried to dispute it but was told I could not. They said that the bill was entered into collections is XXXX XXXX and that the bill was reported to the credit bureaus in XXXX XXXX. I could not see this on any of my credit reports provided by annualcreditreport.com I called again to ask for this information in a written format, and they said that they would provide it. The new customer service representative told me that I could dispute it, but that it could n't be removed from my credit report unless it was paid and the creditor agreed to it. She then said that it was normal for it to not show up on my credit report because it was a basic report and that the information they reported could only be seen if you pulled a major credit report such as for an auto loan or for a mortgage. She agreed to put it in dispute for notification and then told me that if I agreed to pay, they would be able to remove it from my credit report within 30-45 days, and that they could send me a letter to dispute with the credit bureaus to speed up this process since I was meeting with a mortgage broker within a week. 

I relented because {$22.00} was n't worth it to me to cost me a potential mortgage, and I then paid, even though I still am unsure why the debt was not paid in XXXX XXXX when they told me I had paid in full for the visit. I received my letter from them asking the credit bureaus to delete the negative information, but the credit bureau dispute forms do not allow me to do so because it is not listed as any information to dispute. This leaves me under the impression that I was given false information concerning my credit report in order to get me to pay a debt that I wish to dispute and that I was not informed about until today. 

I spoke with representatives of TransUnion who told me that the information provided me online was accurate and that there were no collections on my credit report and that everything I was seeing online was the what a lender would see. This confirms for me that this was never actually reported to the credit bureaus and was just a tactic being used to get me to settle a small debt quickly that I do not think I actually owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09
Company: U.S. BANCORP
State: CA
Product: Credit card
Issue: Rewards

Complaint:
My wife and I recently signed up for the US Bank XXXX XXXX credit card. The credit card is suppose to come with a XXXX night free award night after paying the {$75.00} annual fee. Well, 1 month after paying my annual fee on my card and my wife 's card XXXX XXXX ended the XXXX night free award without any notice at all. They are not honoring the terms that we signed up for! I am supposed to get XXXX night free with the card per agreement after paying the {$75.00} fee. The agreement we signed up for clearly says that XXXX night free award after paying the {$75.00} annual fee. They have to live up to their terms & conditions here!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-20
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
american express is not doing the right thing about my bill They handed it over to a collection agency where i am never giving out my social security number. I asked did they sell u the account. they wont answer me. Please be a meadiator with American express.I plan to pay off bill by XXXX 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
my husband it was cosign of credit card and they be on to him they took money from our account and that money was belong to my rent they do n't care the also been aggressive and unprofessional harassment me call me a job also call my house at XXXX and Sunday early morning

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: Armor Systems Corporation
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I called Armor Systems Corp., a debt collector, to inquire about the contact information for XXXX XXXX. XXXX ( the debt holder ) so I may proceed with verifying the actual debt. I spoke with a manager, XXXX XXXX. She refused to give me the contact information for XXXX XXXX, belittled me, used a condescending tone, was nasty, mean spirited, and down right verbally abusive. Her level of unprofessionalism was shocking. Her abusive words brought me to tears. XXXX told me that she " would not give any information until I pay them some money ''. Thousands of people do not have health insurance/coverage in this country. Having medical debt should be handled with care and empathy, not ridicule/judgement or threats.

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
Consumer complaint received 2015-04-04
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I hold a mortgage with Ocwen Mortgage company. Since XXXX, I have been behind my paying my mortgage. I have contacted them telling them my husband 's company was slow in his XXXX but we should be able to catch up. In XXXX, I tried to make a payment to their website where I have established an account but I could not go through successfully. When I contacted an agent, the agent advised me to do it through XXXX XXXX and assisted me in doing it. A few days later, Ocwen sent me a mail telling me that I should include my accoutn # on the XXXX XXXX payment which is odd because the payment was made with the assistance of an agent. Fearing that that something was not right, I went on and paid through my bank account and it went through. On XXXX XXXX, I called the automatic phone line of Ocwen and initiated an automatic payment. I received an email confirmation that the payment was received. But for days, I noticed the money has not been cashed out of my account. I called Ocwen and talked to an agent and asked why the money has not been cashed out. The agent told me that it will be posted. I wanted to make another payment before the XXXX of XXXX but I was worried that the last payment has not been cashed out. On XXXX XXXX, I received a call from someone identifying himself as an Ocwen representatitve. His first sentence was that the conversation was going to be recorded. Unsure of who that person was, I informed the agent that I was going to record the conversation too. The agent hung up the phone on me. What ensued after this incident was a cascade of conversations with Ocwen representatives depicting lies and excuses for not receiving the payments as posted. I offered to pay some other way besides XXXX XXXX or the automatic vocie mail to bring my account somewhat up to date. I was refused to do so and I was accused of putting the wrong information causing their intake system to reject my payments. I was told that I had passed my 90-day limit and could not pay at all. This has caused a lot of frustration and distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have sent Experian XXXX seperate letters asking them to verify the accuracy or remove the unverified accounts listed on my credit report. 
Experians XXXX response was that it was a SUSPECIOUS REQUEST and not sent by myself, even though I enclosed a copy of my drivers license and social security card. 
I have not recieved a response to my XXXX letter mailed on XXXX XXXX, 2015, and recieved on XXXX XXXX, 2015 as of yet, Today is XXXX XXXX, 2015 and the 30 days allowed has passed with no response. 
Enclosed you will find copies of both letters sent by CERTIFIED MAIL. 
Also enclosed is Experians response to my XXXX letter. All of which is in clear violation of the FCRA and Federal Law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-15
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I 'm making payments of {$240.00} for XXXX subsidized loans and XXXX unsubsidized loans. When I 'm paying down the balance which has all the interest calculated in, I realized the balance was only going down by {$30.00}. I was told by Navient it is because I was on forbearance before and I 'm paying {$200.00} of interest for it. Should n't that still reflect in the balance because I 'm paying on interest? Last month my Total balance was {$42000.00} than I paid {$240.00} and my new balance is {$42000.00}. {$25.00} is all that went to my balance. It just does n't add up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: NCB Management Services Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Account was added to my XXXX report as a collection. Do not have a XXXX and have never taken out an auto loan out with this company. This does not belong to me. 

When calling agency to remove, they stated all information does not match my information with the exception of them using my social.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: General Motors Financial Company, Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
On XX/XX/XXXX I called in to speak with a supervisor about my payments. I advised that I was going to make a {$50.00} payment online as well as a {$330.00} payment because there were no extra fees. I also stated that I was on a break and did n't want to be late going back. The representative was very rude and told me that I was very late behind, and I needed to pay after work. I called back when I got off at XXXX and spoke to another supervisor, and was told to just go online and set up my payments. I assured her that I would do so and I did right after our phone call. On Monday, XX/XX/XXXX I checked my vystar balance and saw that my account was overdrafted. I immediately called my bank and was told that GM Financial tried to withdraw {$330.00} plus a {$10.00} processing fee. I was so angry but worried as well because this was never authorized. I immediately called Gm Financial and spoke to a representative named XXXX, who informed me she would do all she could to help. XXXX placed me on a very long call and asked why did n't I just tell my bank that the payment was unauthorized. I explained that I did and XXXX stated that she would need to place me on hold and never came back on the line. GM Financial is a very unprofessional company my bank has waived all my fees but now I have to pay for a stop payment and that is not fair. I always have to ask for a supervisor and the attitudes are unreal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28
Company: DISCOVER BANK
State: UT
Product: Credit card
Issue: Billing disputes

Complaint:
there were several unauthorized charges totaling over {$3000.00}. they were all cash advances taken from my card. i submitted a claim and filled out and sent back a form stating that i did not make these charges. 2 weeks later i get a letter stating that they found these charges to be correct and put them back on my card. I have NEVER taken a cash advance on XXXX crdit card ( i do n't even know how to do this ) they said i would have had to use a pin number, I 've never had one! as far as i know you would have to go into a bank and show an ID to get a cash advance. Obviously It was not me. At the same time i had fraudulent charges on XXXX of my other cards however the card companies did their investigations and removed the charges. Discover advertises how you are not responsible for fraud. Discover is making me responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17
Company: AmeriCollect
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Under Texas XXXX XXXX XXXX for debt validation I have had my rights as a Texas consumer violated and ignored. I sent Americollect Collection Agencya debt validation letter to confirm this debt is mine and they ignored my request. Under the current law,30 days should be enough time to validate such requests. I mailed the above named company XXXX letter on XXXX/XXXX/15, they received and signed for the letter on XXXX/XXXX/15. They violated my request in 2 ways. 1, for ignoring my request, and 2, for continued attempt to collect on this debt by actively reporting to the XXXX major Credit Bureaus XXXX There is plenty of supporting case law to back this claim up, that actively reporting to the bureau 's is in deed a form of debt collection. I have not received any info from this collection agency to prove I owe this debt. I find it malicious, and I feel I have been taking advantage of by Americollect Collection Agency and I would like this collection removed and deleted from all XXXX credit bureau 's. I have uploaded supporting documents to help prove my case. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX who works for American Express constantly called me at home and at work many times until I made an agreement them to makeup payments on my account because it had fallen past due because of financial hardship. We made an agreement XX/XX/2015 for XXXX. They told me the account would not go further pat due and I would not incur more fees. Which was a lie I was charged XXXX dollar late fees every month even during the agreement and I with the combination of interest and late fees XXXX percent of my payment is going to American express when I complained they told me I had to make a make up payments of XXXX dollars to avoid the fee which is incorrect past due amount is XXXX according to American express and my credit report is reporting past due of XXXX. Further more in XXXX 2015 my account went further past due on my credit report even though I was making payments since XX/XX/2015. I sent the company 2 extra payments of XXXX from a shared account I have with my wife to make up for payments. I asked them just to debit those XXXX amount on this account but they continued to debit this account which I did not authorize which caused the account to incur NSF fee. This company has taken advantage of me trying to repair my credit has lied about not incurring fees has lied about my account not being reported deeper into past due status on my credit report and has taken money from my account with out my authorization.I have done everything they had asked me but had lied about the outcome.

Company response to consumer: Closed with monetary relief