BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 filed a dispute for a state tax lien on my report, the credit bureau removed the item during dispute but then turned around and put the item back on my credit report and restarted my  XXXX  year clock. The tax lien is for the  XXXX   XXXX  court in the amount of {$2000.00}. This lien has been paid and released. The dispute was filed to dispute the amount as being incorrect. My husbands tax lien public record was removed but mine was removed and then add it back. I contacted  Trans Union  to have the item investigated and all they did was redisputed it for being " too old to be on my report ''. I contacted my local  XXXX   XXXX  clerk office and they informed me that they do not report as to the credit bureau 's but that the credit bureau 's hunt this information and then add it to the consumers report. My goal is to have all of the bureau 's correctly report, or remove my public record for this tax lien.

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 2016-04-16
Company: Finance of America Mortgage LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I started working with Finance of America on XXXX XXXX, 2016 after giving them my social security and all my doc and signing the Good Faith Disclosure I was told later that I needed to make more income on XXXX XXXX. I am retired I get XXXX a month after tax I only have a house note and XXXX credit card with a XXXX % debt ratio the requirement for FHA is XXXX %, On XXXX XXXX I spoke with the Loan originator and told him I would be going with another company and asked him to release my case number so I could get my loan done with the new company. The new company sent the information over to them requesting the release of the case number that I signed. This was after 4 day with no response from Finance of America. After 3 days the case number still had not be released I spoke back with the loan officer and sent him a copy of the form I had signed on XXXX XXXX still nothing was done. On the XXXX of XXXX I sent an email to the loan officer again This email is to inform you that I will be filling a complaint with the CFPB for your failure to comply with the Law on my right to cancel with your company and you to release my case number in a timely manner. I notified you by phone on XXXX XXXX 2016 that I was canceling and going with another company by XXXX XXXX the case number was still not released then you were sent an email letter dated XX/XX/2016 requesting that the case number be transferred to the new company and still nothing is done. You are in violation of my rights to go with a company of my choice.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09
Company: Harris & Harris, Ltd.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Since XXXX the XXXX XXXX of XXXX XXXX ' has called my home phone number XXXX times. The robo call stated they are a debt collector and ask for a return call. During this time I have noted XXXX phone numbers. Today I returned their call, the first XXXX numbers are no longer working numbers and the newest one XXXX is a number that does not have a voice mail box set up yet. Due to these robo calsl I have to allow my answering machine to handle all incoming calls. This has the effect of denying me the unrestricted use of my home pone. My home phone number is on the 'Do Not Call ' registry.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX   XXXX   XXXX   XXXX   run  by Comenity contacted  a family member of mine ( my sister ), and gave them all of the details of my debt including how many payments I was behind, how much I owed them, and possibly more that I am not aware of on  XXXX   XXXX ,    2017. I   find this to be completely unethical, and dangerously reckless.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-17
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: Information belongs to someone else

Complaint:
ftc violations BUCKLE Robocalls cost XXXX  $ XXXX arbitration award he Fair Debt Collection Practices Act ( FDCPA ) is a federal law that limits the behavior and actions of third-party debt collectors who are attempting to collect debts on behalf of another person or entity.XX/XX/XXXX Every state has a consumer protection law that prohibits deceptive practices, and many prohibit unfair or unconscionable practices as well. These statutes, commonly known as Unfair and Deceptive Acts and Practices or UDAP statutes, provide bedrock protections for consumers.XX/XX/XXXX Unfair & Deceptive Acts & Practices - National Consumer Law ... 

Search Results Web results FTC Obtains Record {$190.00} XXXX Settlement from University ... www.ftc.gov news-events press-releases XXXX XX/XX/XXXX - The University XXXX XXXX XXXX XXXX XXXX and its parent company, XXXX XXXX XXXX, will settle for a record {$190.00} XXXX to resolve Federal Trade Commission charges that they used deceptive advertisements that falsely touted their relationships and job opportunities with companies such as XXXX XXXX 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 2017-03-01
Company: AMERISAVE MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
I applied for a mortgage from Amerisave and ran into a number of problems : ( 1 ) Twice I was asked to sign documents Amerisave representatives had filled out with incorrect information. They were initially dismissive of my objections, until I flat out refused. 
( 2 ) It took 16 days after the appraiser 's visit, and several " nudges '' from me, for them to get the appraisal back from the appraiser they chose. No wonder they closed a week after the 45-day rate lock expired. 
( 3 ) Amerisave promised in an email that if I paid the {$20.00} wire transfer fee the funds would arrive in my account the day the loan was funded ( and I began being charged interest ). I agreed to the wire transfer and was charged the {$20.00}, but the wire transfer was a day late. I requested a refund and an apology. In response, I got a coupon for a discount on another mortgage. I would still like the refund and apology for all the hassles. They chose the title company, so have full responsibility. 

Anyone considering applying for a loan through Amerisave should be forewarned that they are very disorganized. I was bombarded with numerous irrelevant emails and phone calls. I dealt with four different Amerisave employees, who often did n't seem to know what was going on.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-28
Company: Aldridge Pite, LLP
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I, XXXX XXXX have had issues with the accounting of my mortgage for several years now. However, my loan was transferred and it immediately went into foreclosure. Aldridge and Pite, LLP is the current foreclosure attorney attached to my property. When the loan was transferred to XXXX XXXX XXXX and Aldridge and Pite ; several times I have asked for a payoff and other accounting details. They ignored my request and sent me a foreclosure notice for XXXX XXXX, 2016. I had to ask on 3 separate occasions for the payoff and other accounting details along with an original notice of Debt Validation. On XXXX XXXX, 2016 I received an email that contained a payoff however, it did not contain the documents to satisfy a validation of Debt. I have expressed to the Lender that I would like to pay the mortgage in full. However, they are unwilling to call off the foreclosure even though I sent a validation of Debt that has not been fulfilled and a request for payoff which took over 3 weeks to receive. I do feel as if Aldridge and Pite are prohibiting me the right to proper validation under federal law rights to proper accounting under state law as well as the time frames within Georgia State Law that allows a homeowner the grace period to payoff any delinquency since all collection activity should have ceased after I sent in a request for debt validation and payoff quotes. This is a disgrace and further proves that lenders, banks, and the attorneys that represent them would rather keep you in debt and foreclose on your property then allow a homeowner to pay off the mortgage or satisfy the stated delinquency they claim you owe. I believe they dont want me to payoff the mortgage because off because the servicer and foreclosing attorney have no interest and standing to process the payment and file the legal documents necessary to show that I paid the proper Lender IN FULL. As a result I am filing a complaint and need some explanation from the Lender and Foreclosure attorney as my consumer rights as an individual have been abused and neglected. Attached is a 2nd notice of Debt Validation and attached is an email from an attorney at Aldridge and Pite along with the payoff. I have received no other documentation from the firm as they refuse to send the documents necessary to validate the payoff.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I originally filed a complaint asking for assistance in a modification with an interest rate of 2 % or a principal balance to be able to afford my payment. I also addressed my concerns of my escrow account account increase.     I was advised my insurance premium had gone up and that was the reason why my payment went up. I confirmed with ocwen my insurance premium is only  XXXX  a year. There is a violation of several things here since ocwen did not advise of this change within time. Also, ocwen should have given me the opportunity to pay the shortage without increasing my payment. Now i am afrain i will lose my home not being able to afford it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: Lendmark Financial Services
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have a loan that held a title as collateral. The car stopped running shortly after and the loan company allowed me to drop insurance on the vehicle. The loan went into default and they refuse to repossess the   XXXX   off my ex husbands land or give me the title so I can dispose of the car. I have called them and left messages but no one will call me back. It 's  XXXX  in  XXXX  sc

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name is  XXXX   XXXX   XXXX , not  XXXX   XXXX  and my address is  XXXX   XXXX   XXXX   XXXX   XXXX  delaware  XXXX  not  XXXX   XXXX   XXXX   XXXX  de  XXXX   XXXX   XXXX   XXXX   XXXX  de  XXXX   XXXX   XXXX   XXXX  de  XXXX , and these are not my last  XXXX  digit social  XXXX , and my phone number is  XXXX  not  XXXX  and my work address is  XXXX   XXXX   XXXX   XXXX   XXXX  de  XXXX  not  XXXX   XXXX   XXXX  de  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 non-monetary relief
Consumer complaint received 2016-02-03
Company: MarkOne Holdings, LLC
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I got a loan for a vehicle with my son as a co-signer. He moved out shortly afterwards so I had no other income other than the petty cash salary I was making. I notified the loan company via letter that I could not make the one lump sum monthly payment and will need to make two payments per month. They have been calling me, family, and friends ( references ), ( 6 ) six times a day, ( 6 ) six days a week since XXXX 2015. I spoke to them and asked them not to use my references to contact me ( some of which is in other states ). They have ignored my request. I told them if they are not satisfied with how they are receiving the payments come get the vehicle otherwise top calling me about late payments every single day, all day when I work overnight shifts. Now I have to turnmy phone completely off to get sleep..

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name is  XXXX   XXXX  not  XXXX   XXXX  and my address is  XXXX   XXXX   XXXX   XXXX    XXXX   del  XXXX  not  XXXX    XXXX   XXXX   XXXX    del  XXXX   XXXX   XXXX   XXXX    XXXX   del  XXXX   XXXX   XXXX    XXXX   de  XXXX , and the last for digit of my social is  XXXX  not  XXXX , and my phone number is  XXXX  not  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-08
Company: IMPERIAL CREDIT SYSTEMS, INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
They left a voicemail not saying what the issue was however stating my name and they were going to show up at my workplace or home. The person who left the vm left the name of XXXX XXXX. I called back they said the company name of Imperial and the mans name was XXXX XXXX. When I said that the practices were not legal he hung up immediately.

Company response to consumer: Untimely response
Consumer complaint received 2016-04-10
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
unauthorized debit on my business account was done electronically, unknown ,XX/XX/2016 and I noticed XXXX/XXXX/16 and same date went to the bank and with the branch manager we filled a signed report .We completed our research on the transaction ... and we determined that its a business-to-business electronic payment. As a result, '' we can not remove the transactions from your account Please contact the business that initiated the transaction to resolve this problem. '' My complaint is : The bank does not cooperating at least to release the name. 
Please let me know of your advise

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX XXXX, 2016, I paid for in full an all inclusive stay at XXXX XXXX XXXX XXXX XXXX in XXXX XXXX for XXXX people. {$1300.00} was charged to my Chase account. Leading up to the payment in full, XXXX XXXX had charged my husband 's XXXX in the amount of {$660.00} for one night at the hotel. My travel agent XXXX found a better rate of $ XXXX/night and we decided we wanted to rebook under my Chase card. Instead of refunding his XXXX in full, XXXX XXXX said they would refund him {$470.00} to his XXXX and charge the remainder to my card ( {$1300.00} ). ( Note : They never refunded him this amount and he had to file a dispute. ) Our trip was XXXX XXXX, 2016. Upon arrival at XXXX XXXX XXXX, they asked for a credit card to have on file for " incidentals. '' At check out I asked if I needed to do anything, they said no and snipped off our wristbands that signified we were booked under the all inclusive rate. At the airport in XXXX XXXX, my brother who booked his own room noticed he was charged the entire amount again by XXXX XXXX. I did not see it on my account. The next day, I saw the charge of {$1500.00} by XXXX XXXX. I disputed this with Chase believing this should be a fairly easy dispute. I was very wrong. XXXX XXXX is fighting my dispute claiming it is a valid charge because they swiped my card. I expressly told Chase I was told it was for incidentals as most hotels ask for credit cards and that I never signed ANYTHING agreeing to those charges. I was very frustrated since it shows XXXX XXXX had charged me three weeks prior so I did n't understand how this was even an issue to debate. I submitted additional evidence such as my emails with my travel agents confirming the vacation package, charge on my husband 's XXXX account, articles showing XXXX XXXX is in dire financial straits, and XXXX reviews showing others have also been double charged. Even with all this additional evidence, Chase ruled against me and said it was a valid charge simply because of the card swipe. I am now trying to dispute the earlier charge which is the lesser amount, but I have little to no hope of that resolving. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: JPMORGAN CHASE & CO.
State: MD
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:
I had a 10k credit limit with XXXX XXXX. I NEVER missed a payment and had a 100 % payment history. Once the pandemic hit I still managed to pay XXXX with no problems I made it a point to no be late or miss a payment In hopes I would have the extra 6k that I didnt spend for emergencies which was strategic. Then I receive a letter in the mail that they reduced my credit limit from 10k to 5k for no reason at all. Stated that they checked my credit report without my consent and said I fell not the risk category. Even though I never missed one payment or was late EVER. Which in turn made my credit report drop drastically because now it looks like I maxed out my credit cards and live off my credit took my credit score from XXXX to now XXXX! Chase also decreased my credit limit as well all around the same exact time XX/XX/ 2021 time frame and my credit has been messed up every since when I was paying on time. How is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX 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 non-monetary relief
Consumer complaint received 2017-05-03
Company: EQUIFAX, INC.
State: KY
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  XXXX   XXXX , a dispute letter to the   XXXX   credit reporting agency was sent to validate the accuracy of a bankruptcy and    XXXX    ju dgements. I never received a letter back but on  XXXX   XXXX , I called and checked the status of the dispute. I was told that the dispute was completed. The bankruptcy was verified and the judgments were deleted due to no validation. I asked who verified. I was told the bankruptcy was verified by the  XXXX   County Federal District Court . When I contacted the  XXXX   County Federal District Court , I was told  by County  Clerk,  XXXX   XXXX   XXXX , that the bankruptcy could not be verified due to not finding any information on me. I resent a re-investigation dispute on  XXXX / XXXX /   2017  and  XXXX  received the dispute on  XXXX  2017. On    XXXX  2017, I called again to check the status and again was told that bankruptcy was verified. I asked how was it verified and she stated that they do n't verify. They do n't look at any paperwork and that they depend on the computer system to verify any information received. No human eyes looked at the information/paperwork until it is labeled verified into the computer. So I asked, " did you actually talk to anyone and she stated no we do n't, just sent a transmission through the internet. which is a violation of the FCRA. It was all done in less than a day and without accurate verification. I would like this bankruptcy removed due to it being inaccurate and because validation was never received to report this error. This bankruptcy is not allowing me to become a independent person. I have to rely on others for my living situation due to this reporting on credit.

Company response to consumer: Closed with explanation