BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX {$1400.00} Account # XXXX ( This account does not belong to me XXXX XXXX XXXX XXXX {$6200.00} Account # XXXX ( This account does not belong to me ) XXXX  {$100.00} ( This account does not belong to me XXXX XXXX XXXX XXXX {$35000.00} ( This account does not belong to me )

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 2020-04-22
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Call repeatedly and leave messages at least 4 times a day.

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 2021-11-17
Company: Santander Consumer USA 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:
SANTANDER : Account number : XXXX, Still multiple inaccuracies ..... Impossible that this can be verified as accurate? How? it's reporting incomplete, inaccurate, misleading and multiple inaccuracies. therefore it's in violation of section 609 & 611 of frca. It's unverifiable. Delete now!!!. I also read several previous file lawsuit cases for this auto lender here ; for example where they were in infriction with the consumer laws and mistreating clients during the process. ( Case XXXX XXXX Santander Consumer USA et al FILED : XX/XX/XXXX XXXX ; Barber v. Santander Consumer USA , Inc . FILED : XX/XX/XXXX XXXX ; Blakely et al v. Santander Consumer USA XXXX XXXX XXXX FILED : XX/XX/XXXX XXXX ; Wilson et al. v. Santander Consumer USA XXXX XXXX. FILED : XX/XX/XXXX XXXX ;.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been trying to pay XXXX  and they are unresponsive to emails. They have reported to Transunion, XXXX, XXXX  that my account is charged off.
They have also reported the account multiple times on my reports.

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 2021-11-17
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Portfolio Recovery Associates.
Opened : XXXX XXXX, 2015 Original Creditor : XXXX XXXX XXXX XXXX Amount Owed : {$580.00} I 've had to block approximately 20 phone numbers due to their excessive phone calls at all hours of the day. I 've asked them on numerous occasions to stop calling me and then they call my mother and my job. This is harassment. At one point, I tried working on a payment plan with them but was told they could not send me proof of receipt. I then decided that I did not want to pay a " creditor '' whom would not provide me with proof of recipient that my balance was going down/ being paid off in installments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-17
Company: BARCLAYS BANK DELAWARE
State: MA
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:
on XXXX i paid XXXX to XXXX for an item that isn't even sent... it's been 15 days and nothing yet this company when I called and when trying to dispute it on the website says wait, no I won't. I bought from XXXX AFTER that date and got things so they messed up. I want the credit. The tracking number I provided shows that it never was delivered ie, Tracking Number XXXX XXXX is what they claim the carrier is XXXX, XXXX. 

Account ... XXXX {$5.00} ON STATEMENT AS XXXX, XXXX. 
MERCHANT LOCATION XXXX CA XXXX TRANSACTION DATE Tuesday, XX/XX/2021 POST DATE XXXX  XX/XX/2021 PURCHASED BY XXXX XXXX MERCHANT CATEGORY PHOTOGRAPHIC STUDIOS

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 2022-01-04
Company: REGIONS FINANCIAL CORPORATION
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage was at a price that was paid and now the hazard insurance as when up causing the mortgage to go up. From {$480.00} to {$650.00} dollars to be paid over twelve years. I want to sell the house but it needs some work done to it. I am in the process of getting a divorce. Is there something I can apply for that will give me some of the money I paid into the house. I have live there for 7 years and we have a 30 year mortgage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: TRANSWORLD SYSTEMS INC
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Trans world systems This debt has been paid in full. Im fact, its one of the initial statements that is made when I call in for information regarding this matter. My companys payroll requires them to send in written confirmation either by mail, fax, or both in order for the garnishment to be ceased. This company states that they have done both, however each time a representative from my company contacts me they inform me that they have received nothing. I have requested & left messages numerous time for a member of management from the collecting company to contact me. There is is always an excuse or either a dead line on the end when they do call. This has been ongoing for almost a month now & this company continues to garnish wages that are no longer owed. They also have no record of a check that was sent to them in the exact amount of XXXX. This check was tracked & it has been ruled that a member of trans world in fact received this payment on XX/XX/2020. No one has given me any legitimate reason why this payment was not posted to my account. This account is paid in full. There is money owed back to me that this company refuses to account for. I am only given the runaround time after time & paychecks are continued to be garnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: RoundPoint Mortgage Servicing LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Roundpoint Mortgage completed an escrow analysis on XXXX/XXXX/2017. After such analysis my monthly payment amount increased by over $ 250/month ; however there was no change to my escrowed items. The only escrow item is for property taxes which have actually decreased from the prior year. I have been calling Roundpoint Mortgage since midXXXX to no avail. I was told by a CSR that I was unable to dispute the new payment amount and that I needed to make the payment by XXXX XXXX, 2017 or I would be assessed a late fee. I have never been late on my mortgage and value a good credit rating so I made the payment on XXXX XXXX, 2017. Since that time I have contacted Roundpoint numerous times and spoken with ( 8 ) eight representatives ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) and continue to get mixed information. No one is capable of resolving my issue or providing me with an explanation for the increased payment. I have emailed proof of insurance coverage ( Flood, Hazard, Content ) to ensure these items were not escrowed.

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 2021-11-17
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
All three agencies are tortiously interfering with my financial matters. 

I have requested corrections via CFPB and directly to Equifax ; XXXX and XXXX All three refuse to send me hard copies of my reports, and XXXX access to them. 

Further, there are significant life safety issues which have been over proven to all three, that they refuse to comply with, leaving me at high risk of serious injury or death. 

Additionally, they all refuse to Add legittimate credit Records, and bluntly admit that their business model is for the benefit of " Member Credit lendors '' and not consumers '' I am absolutely furious. 

Even just this morning, I received an email from XXXX advising that a dispute was ready to View, but when I logged in to their link, they refuse to give me access and demand the very same ID documenti I have sent them no less than Four times.

Your lack of authority over them and their coky defiance is infuriating. 

I demand the above be rectified immediately and punitive action to be taken. I am spending similar communications to the FTC ; DOJ and AG XXXX XXXX XXXX directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a letter from bofa about how to remove private mortgage insurance from my loan. The original sales price of the house was {$48000.00} and the current balance is {$37000.00} which means I have just under 22 % equity. The very first sentence in the letter says : current the loan to value ratio of your loan, which is based on the original sales price has n't met the established 80 % LTV requirement which is not true. When I called the number on the letter to inquire the representative contradicted  2 f acts in the very first sentence of the letter - she stated that the  LTV  they like to see is 75 % and it is based on the original loan amount not the purchase price as clearly stated in their letter. This seems misleading and unethical. I was told the only way to drop the pmi is to pay {$520.00} for a new appraisal.

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 2021-11-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
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:
PORTFOLIO RC ( Original XXXX XXXX XXXX XXXX ) : has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts. 


605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: Experian Information Solutions Inc.
State: IN
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:
When logging into XXXX, it consistently shows that my account has not been updated since XX/XX/2020. 
Additionally, I have been trying to dispute inaccuracies with XXXX XXXX XXXX account. This account was closed, however, it is showing as written off. Due to the circumstances and the fact that it is included in a pending lawsuit, I asked if it could be removed. The account has been settled and paid in full. 
This information was also confirmed to me by the lender directly. However, I am not seeing any updated remarks on this matter.

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 2021-05-19
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been trying to refinance a mortgage loan with this company and I keep getting referred to a different loan processor every month to take care of processing the loan. The mortgage loan is currently in forbearance and NewRez LLC is continuing to collect interest on the loan, but they are prolonging my refinancing process. I have been trying to get the loan refinanced over six months up to this date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: Global Lending Services LLC
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a XXXX XXXX XXXX from XXXX of XXXX on XX/XX/XXXX for the sale price of {$18000.00} I put {$3000.00} for a down payment and financed {$17000.00} through Global Lending Services. This would make my monthly payments roughly {$500.00}, to which I agreed to pay. According to their records I missed my payment for XXXX. I put {$3000.00} down which would have been my payment. They also show that I missed my payment in XXXX, this too is incorrect. COVID-19 hit the US in XXXX and I lost my job, I reached out to them and received a 1 month exception that allowed me to miss the payment and it would be added to the end of my loan. I made the next few payments but then after being out of work for a prolonged period of time I began to struggle financially. When XXXX came I was behind 2 payments, or {$1000.00}. On XXXX XXXX I was t-boned by someone who ran a stop sign. I had my car towed to a body shop to get an estimate on repairs. A few days later the insurance company would take possession of the XXXX and deem it a total loss. While the investigation into the crash was ongoing, I made my XXXX payment as scheduled. After the investigation was concluded Global Lending Services was issued at check for {$14000.00} on XX/XX/XXXX by XXXX XXXX XXXX. Assuming they received the check a few days later in XXXX wouldn't that count as a payment? Also I didn't have the car I shouldn't have to pay for something I don't have, right? GLS continued to hold me responsible for the XXXX until they wrote off the account in XXXX. Because of this my XXXX insurance only paid {$370.00}. I still don't know why the account was closed so quickly without getting the chance to pay it off. I'm not disputing that I owe for those missed payments but they are saying I owe {$3800.00}, which is more than double what I think it should be. I have written them trying to get some explanation and all they did was send me a copy of my payment schedule that shows I missed XXXX and XXXX. But like I said I didn't have the car and they were issued a check for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX   XXXX   XXXX  reports MONTHLY on all  XXXX  credit bureaus for an account with a balance of  XXXX  it appeas to have started as  XXXX  and possibly connected  to (   XXXX   XXXX   XXXX   ). I  have tried for a few years to figure out what is going on. I have disputed this with all  XXXX  bureaus at least 18 times to no avail.  XXXX   XXXX   XXXX  shows on the report with the telephone  XXXX  and address of  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , FL  XXXX . When i call the number it is the home loans ans not student loans. The representatives ALL state that I do not have nay student loans with them and the student loans center is closed indefinitely. yet the credit reporting is monthly and renews monthly which lowers my credit report score. I was able to call  XXXX  and the number sends me to the website : nslds.ed.gov. Again I am unble to locate information. I can not get ANY info from   XXXX   XXXX    XXXX  Yet they report monthly. I do have info saying that no payments has ever been made meaning the date of last payment was older than 7 years ago ( per FCRA any account that has not had a payment in 7 years should not show on my report s ).  The credit bureaus were able to give me that information as well as date opened i n 2004. I  would not have been  XXXX  i n 2004.  This account  XXXX   XXXX  and  XXXX   XXXX   XXXX  need to be removed for many reasons  ans the  most obvious is the age of the alleged accounts and date of last payment. They are illegally reporting monthly and renewing the debt monthly/.

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 2021-11-17
Company: National Credit Adjusters, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have written to XXXX XXXX, XXXX, and XXXX on several occasions disputing inconsistencies regarding wrong name variations, addresses, social security numbers, phone numbers and erroneous accounts. The credit bureaus continue to state that they have verified the debt and items have been deleted/removed. Let this be a formal complaint against XXXX and XXXX. The following accounts are the items the credit bureau has refused to investigate, delete, and remove : NATIONAL CREDIT ADJUSTERS , LLC : XXXX AND # XXXX ; XXXX XXXX XXXX # XXXX ; XXXX XXXX XXXX # XXXX. In addition, XXXX is reporting XXXX XXXX XXXXXXXX XXXX # XXXX and XXXX XXXX # XXXX AND XXXX AND XXXX are not reporting the same account information. Why is all the provided data different on each credit report? According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. The Fair Debt Collection Act/ ( O.R.C. 2305.07 ) and ( O.R.C. 1303.16 ( B ) Ohio Debt Collection Statutes of Limitation. If the account can not be verified, your company must delete the account from my credit report. Please be reminded it is your duty to ensure that all information reported is consistent and most importantly, accurate and you have failed to do so per the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
transworld systems has lied orally and in writing that they do not own the debt that they are trying to collect the original creditor an apt . sold the debt transworld has lied over and over that they represent the apts and do not own accfount have letter from them thayt says the apt is creditor lie credit reports show they own account cant move turned down from 3 apts because of this we are in our 70s and held hostage

Company response to consumer: Closed with explanation