BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-20
Company: EMBRACE HOME LOANS
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
on XX/XX/XXXX XXXX writes to XXXX XXXX XXXX for a payoff of the XXXX XXXX account. This was due to the fact the property being insured had a lien on it at the time. On XX/XX/XXXX XXXX XXXX response was sent. The problem was that XXXX XXXX XXXX closed on the wrong account. That meant lien was still on home. XXXX did not catch the mistake. 
Embrace Home Loans has the XXXX XXXX account on the liabilities page listed for unpaid balance of {$1700.00} for this account. This was false because the amount at the time of closing was actually around {$9900.00}. XXXX XXXX XXXX Closed an account named XXXX for {$1700.00}. In actuality the XXXX XXXX account had a balance of close to {$10000.00}. The XXXX account was also an account closed previously before the time of close when I called to verify. XXXX was closed XX/XX/XXXX. XXXX XXXX XXXX never closed the account on the Liabilities page provided by Embrace Home Loans the account was listed under XXXX instead of the XXXX name. The account numbers matched however. 
Embrace Home Loans failed me once again by not providing accurate information on the liabilities page at the time of closing for refinance of home loan. The Truth in lending prohibits this type of conduct. My accounts information was not reported to me correctly at all. 
XXXX did not XXXX check the accuracy of the account being closed. Due to the Negligence of the Embrace Home Loans and XXXX XXXX XXXX my bank account got frozen and later seized for the amount of {$4700.00}. To pay off this lien that was still on property with out my knowledge. XXXX XXXX XXXX did not properly pay off the right account and Embrace Home Loans did not disclose the right amounts for the accounts either. Title insurance protects me from fraudulent transfer of dedd to me and from title defects that are not disclosed to me int he policy. The property was indexed improperly due to the post closing mistakes that affect my ownership of the property since it still currently has a lien on it. Due to the encumbrance on the property of {$10000.00} or more the Deed OF Trust is NOT TRUST WORTHY. 
I demand response and resettlement of this issue immediately. 
XXXX XXXX XXXX has since transferred rights to the XXXX XXXX account to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: Carter-Young, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was never notified about this debt and now it is on my credit report. 
{$110.00} XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: Experian Information Solutions Inc.
State: NC
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:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Home Foreclosed upon in XX/XX/XXXX. Settlement received in XX/XX/XXXX for improper foreclosure. Credit report not reflecting improper foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 previously sent two letters to TransUnion letting them know that I was a victim of identity theft attached with those letters were an FTC report and a police report to have the price of an item removed from my credit file the first time they sent me a letter back stating that I did not give them enough information so I sent them the same exact information the second time and now they are saying that it looks like a credit repair company is doing my credit repair when is actually it's me sending the letters in so, as a result, they won't investigate.

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 2017-10-13
Company: Experian Information Solutions 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:
XXXX XXXX is report two accounts which is the same account. They are reporting a ghost account which has destroyed my credit score. I have contacted Experian, with no results.

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 2017-05-21
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Hello, I have an amazon   prime   store card managed by Sync Bank.  Amazon  offers the option of 5 % off your purchase or 0 % financing for 6 months. I would never willfully opt to select 0 % financing for 6 months. I set my default selection as 5 % off my purchase as a statement credit, yet I went to check out today, and 0 % financing for six months had been selected. This happens to me regularly, when I go to check out, 0 % financing will be selected despite my default being set to 5 % off. I contacted customer service about this, and they said that if it is my default setting to have 5 %, then it will stay at that setting until I change it, unfortunately this is not the case.     What makes this more alarming is that amazon constantly advertises 5 % off with using their prime card, yet they routinely change the default setting to 0 % financing at checkout without even asking the card holder. There have been a number of times I 've placed large orders and forgotten to make sure they had n't switched the selection on me, only to find that I lost the 5 % savings because of something amazon did, that was not my selection in anyway. This is an unfair and dishonest practice, that is literally taking money from people who pay their card everymonth. I have other cards I could use with cash back, but purposefully use my amazon card due to the 5 %, only to be duped by Amazon on a regular basis.

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 2020-04-10
Company: J & B Endeavors, LLC
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I contacted Student Loan Movement for them to be my advocate in communicating with XXXX XXXX XXXX for a possible repayment plan during the wake of COVID-19. I received an email from them stating they would garnish my wages due to me not agreeing to keep my payment agreement. After talking with XXXX XXXX explained that I was laid off from work, waiting for unemployment, waiting for the COVID-19 stimulus and my tax return. He stated that if I did not give the Student Loan Movement {$90.00} by the XXXX of XXXX that my wages would be garnished. They called from phone numbers that said " scam likely '' as he confirmed, so I never answered the calls. After researching the CARES ACT and IRS website it was revealed that the Student Loan Movement did not have the power to collect money from me due to them only being an advocate. They are not a bill collector, and I did not borrow money from them. Due to the climate of financial conditions I strongly feel this was a fraudulent call and I am concerned about my well being and the well being of other who may be getting the same phone calls and emails threatening to take money from consumers.

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 2016-06-14
Company: Credit Plus Inc
State: DC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have written the companies as well as all XXXX bureaus to remove these inquiries off of my report. I did not give the companies that pulled my credit any type of permissions to do so. XXXX and Credit Plus have abused my report by pulling XXXX3 times in one week. Please see the attached document. I would like all of these hard inquiries taken off of my credit report. I have written letters to them to provide proof of my signing or requesting for their services and they have provided no information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
During the holiday season of XX/XX/XXXX, I have made several jewelry purchases from XXXX  's Department store. Later in the month, I chose to return my purchases. It was n't until I received my monthly statement in XX/XX/XXXX that I realized that my returns were not properly allocated to their correct account. XXXX 's has two accounts : 1 ) a Regular Account ( that bears interest ) ; and 2 ) a Club Account ( that defers interest for 1 year ). I made 3 returns with the same XXXX  's employee on the same day. All 3 of these returns should have corresponded to purchases I made to my XXXX 's Club Account ; however, 1 of the returns was credited to my Regular Account, while the other 2 were misallocated to other items in my Club Account. When I identified the problem I immediately contacted XXXX 's at XXXX 's Customer Service to explain the situation. The agent assured me that they will resolve this issue, but that I wo n't see it on my statement for 1-2 billing cycles. I waited 2-3 month, but instead of the problem being corrected, XXXX 's had fraudulently charged my account. I contacted Customer Service to tell them that I see fraudulent activity on my statement. Again, an agent told me that they are working on my account and that I wo n't see any changes for 1-2 billing cycles. It has been 1.5 years since the incident and yet my letters to XXXX 's are ignored, no changes have been made to my accounts, no response or attempt to resolve this matter are made by XXXX 's. In fact, instead of rectifying the problem that XXXX  's Employee has created, they fraudulent added charges to my account that I did not make, in addition to interest on said fraudulent charges, and they chose to send my account to credit reporting agencies and have creditor 's call and harass my family and I. I have been with XXXX 's for a long time. In fact, XXXX 's was one of the first credit cards that I have opened. I never had any issues with them in the past ; however, their lack of customer service is deplorable. I am ashamed to have ever opened an account with this company.

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 2017-02-13
Company: Westlake Services, LLC
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
i purchased my wife 's ring from XXXX on XX/XX/2011 the financing was done through westlake financial services and the billing was serviced through XXXX XXXX, the ring was paid off, the loan amount was {$5000.00} with financing and charges i paid a total of {$7200.00} if not more. westlake financial and XXXX XXXX both used my credit report to determine financing for this piece of jewelry, WESTLAKE FINANCIAL NEVER PUT THIS FINANCING ON MY CREDIT AND DUE TO THIS ERROR NOW MY CREDIT REPORT IS NOT REFLECTING THIS PURCHASE OR FINANCING WHICH IS MY RIGHT, WESTLAKE HAS BEEN UNTRUTHFUL ABOUT THIS AND HAS MADE CHANGES IN GOOD FAITH AND AS REQUIRED BY FDIC. THEREFORE WESTLAKE HAS VICTIMIZED ME AND MY FAMILY AND DECEIVED ME IN XX/XX/2011 WHEN I AGREED TO THE PURCHASE THEY WERE NOT HONEST ON THEIR PART AND REPORTED THIS FINANCING ON MY CREDIT REPORT, I NEED WESTLAKE FINANCIAL TO REPORT THIS FINANCING XXXX MAJOR CREDIT BUREAUS ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: TRANSWORLD SYSTEMS INC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have numerous medical bills that goes against hipaa laws I will list the accounts below along with my social security number : Transworld system {$530.00} Social security number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: CL Holdings LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I filed a dispute with you all back on XX/XX/2016, stating that the following accounts were not mine and incorrect. At the conclusion of the investigation, you all claimed to have received documented proof that these accounts belonged to me. When I indicated that they were not, you all instructed me to reach out directly to the creditor to get validation of debt and that I would need to provide that to you all to have it delete from my credit report. I spent an entire week contacting all these creditors to get validation of debts and correct information. I provided all this information over to you all as YOU all requested ; however, you all are still refusing to delete this inaccurate information. You all lied about verifying it as the creditor gave me something be documentation supporting the claim that these accounts were not mine, etc. 

You all are in direct violation of my rights under the FCRA, as you all are refusing to delete this negative and damaging information from my credit report. FCRA states that incorrect and inaccurate information can not be furnished on credit reports. You all are creating a lot of undress stress and hardship, with your lack of regards to my rights as a consumer. You have repeatedly denied my request to delete this incorrect information. You have completely disregard the documentation I provided at your request. 

Attached are the following letters that I faxed over to your team and a copy of my credit report. I am provided all the necessary proof that these items do not belong to me Its very interesting that you all are the only credit bureau still reporting this incorrect information, all the other bureaus deleted after the 1st round as the creditor did not provide proof. The disputes were all opened at the same time. 

Accounts that are inaccurate, incorrect or not mine : XXXX 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 explanation
Consumer complaint received 2021-04-20
Company: Sequium Asset Solutions, LLC
State: CA
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:
1. XXXX claims to have taken off all of the outdated addresses I requested. The following remains on my report after repeated requests and their repeated claims to have removed it : XXXX XXXX XXXX XXXX, XXXX XXXX, CA. See attached page from my actual credit report ran XX/XX/21. 

2. Sequium and XXXX have both failed to resolve the issues with accurately reporting this item on my report. Therefore I am requesting it be removed permanently from my report per the FCRA law concerning inaccurate items that fail to be corrected. See attached page from my actual credit report ran XX/XX/21. 

It is my legal right to request this item be removed from my credit report since neither company has the ability to read and compare basic information provided to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The following account is not mine from Portfolio Associates LLC. I never signed an agreement with this company. I've asked the company to provide with documentation of any contract with my signature and also send me a license to collect this debt. They could not provide me with the information. I notice on the bottom of the letter it states " The communication is from a debt collector, but not an attempt to collect a debt '. The account number is XXXX, {$2100.00}, XXXX XXXX XXXX XXXX XXXX /Portfolio XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-10
Company: Paypal Holdings, Inc
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I used the PayPal service through the seller of an apparel product. I did not receive the merchandise until 3 weeks later. When I received it, of course it was nothing like it. The online store was in the US but the shipment was from XXXX. I contacted the seller via email, no response, via phone no response, when I went to the website it was taken down. I alerted paypal of this incident they opened a dispute, then sided with the seller because the seller claimed they sent it. I opened it up again they rejected it because they needed more information. Finally after the 3rd time trying to dispute this, this is when I got an email from the seller and they said it was an accidental mistake and that if I could just ship back the contents they would give me a refund, however they wanted me to cover the shipping cost. It was their mistake. It costs {$50.00} to ship it to XXXX. the value of the product was for {$XXXX} to which as of this posting I still have not recovered. Paypal says I must reply with a tracking number or they will close the case and side with the seller. they expect me to pay for shipping on a fraudulent seller instead of handling it with the seller instead of me. I fail miserably to understand how correction of fraud on the sellers part constitutes loss of money on my part. Here are the number of disputes : XXXX Other Closed XXXX XXXXUSDXXXXr XXXX, 2020 Case Resolution Decided in seller 's favour XXXX OtherClosed XXXX XXXXUSDXXXX XXXX  , 2020 Case Resolution Decided in seller 's favour XXXX Item not as described Need Seller Response {$110.00} USD XX/XX/2020 XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 have disputed these XXXX XXXX accounts onXX/XX/XXXXnd XX/XX/ to each of the bureaus, they all are reporting different account statuses, opening date, months of terms, payment status, last reported date, and last date active for each of the accounts. I have called as well ands still have not had my issue resolved.

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