BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 shocked. And my life will not be the same. I can not understand how that happened because I have never had this kind of issues in my life. I found fraud inquiries and I do not recognize them. I want you to delete them once and forever please do it. I am victim of identity theft and my report proves it and also if you manage investigation you will understand.

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 2021-06-18
Company: Radius Global Solutions LLC
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX illegally tacked on unexplained and incorrect charges to my cellular bill. They are claiming a debt in the amount of {$2300.00} for 2-3 months of service is owed. I called them numerous times for an adjustment and correction to the bill. They refused. I disconnected the service and paid only the monthly amount I owed. XXXX XXXX turned over the unpaid charges to collection agencies. The current one, Radius Global Solutions keeps calling daily from various telephone numbers.

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 2015-11-07
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Transworld Systems Inc. is trying to collects a debt I do not owe from their client XXXX in XXXX Texas XXXX. I NEVER signed any documents, never received any copies of my signature of a membership due to the membership being a gift from my mom. Because of a gift, I owe XXXX and do not wish to pay the amount due to something I never signed up for. I want this disputed and off my credit report. Every document has my mothers signature, Please talk with this company and remove me off the list and all lists. Thankyou

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: DISCOVER BANK
State: NY
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:
the accounts listed here were reported on my credit report without any authorization, review dentity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-17
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/2020, I redeemed my Chase Reward Points ( XXXX points ) for {$530.00} to purchase two flight tickets ( Itineary # XXXX, details attached ) for me ( XXXX XXXX ) and my spouse ( XXXX XXXX ). 

One XX/XX/2020, we received an email ( attached ) from Chase Travel that our flights are cancelled by XXXX XXXX, due to COVID 19, and can only offer us travel voucher at the moment. I contacted Chase via email ( evidence attached ) as well as customer service phone calls, insisted that I declined the travel voucher option, and demand a full refund in form of original Chase Reward Points used for this booking. Chase told me that they can not refund anything unless they got refund from the XXXX, and explaining to me that there are two transactions involved : ( 1 ) I used my Chase Points to redeem the tickets with Chase, ( 2 ) Chase separately used their own funding to procure the ticket on behalf of me. I also tried to contact the XXXX myself, but given that the tickets are purchased via Chase, XXXX XXXX is NOT able to process the refund directly with me. 

Over the last 12 months, I have made more than 15 phone calls ( evidenced at Chase 's own customer log ), and sent several emails to Chase, demanding to get my Chase Reward Points returned to me ( evidenced in the attached emails ). However, their response is the same ; unless Chase gets refund from the XXXX, I can not get the refund. 

Chase is using its travel agency subsidiary. Under the law, if flights are cancelled, customer is entitled to get the full refund. And Chase can not force me to take travel voucher with XXXX XXXX, as Chase XXXX XXXX can be redeemed as cash to pay for a wider range of payment/ services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-26
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Credit cards were charged off.companies that purchase written off charges buy old dedits sue me for loans I did not take with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-01
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MO
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have has a second mortgage with HSBC since XX/XX/2006 at the rate of XXXX %. I have paid my mortgage on time but, after all these years my loan amount have only decrease only by {$4000.00}, and on top of that at the present time I work only part time and my spouse is on a set income. We have request for HSBC to extend our home modification on our loan because of our circumstances have not change. The modification was for only XXXX months before it ended. This is the interesting part about my situation. We received a loan to update our home for {$39000.00} about XXXX years ago. I pay {$460.00} for XXXX and half years and the rate of the loan only decrease to {$35000.00}. This mean I will never pay this loan off. I have pay them if my math is correct we have pay a total of {$44000.00} for the total of the XXXX and half year. I have pay this loan off with an additional {$5000.00}. This companies have railroad people for years and need to be put out of business. This is truly example of predator lending because you are trap unless you let go of your home. Is there something that can be done for financial companies such as these.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
We have been getting robo-call messages on our home phone answering machine asking us to call XXXX XXXX XXXX XXXX every few days for months. The message says that it is from American Express and is not a marketing call. I called back and they say we do not owe anything, but they continue to call every few days. Auto-dialer does not allow phone to be picked up while it is leaving message.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
On XX/XX/XXXX and XX/XX/XXXX, I sent letters to I C Systems ( collection agency ) requesting to validate the debt of {$1800.00} from the original creditor XXXX. According to my credit report, this debt was opened on XX/XX/XXXX. After careful research on my end, this debt originated back in XXXX and is now being falsely reported on my credit file as a new debt. My actions to get this error corrected has been ignored and I need this resolved immediately. 

I C Systems XXXX XXXX XXXX XXXX  XXXX, MN 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 2022-04-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Problem with personal statement of dispute

Complaint:
Each dispute I requested original application agreement on several attempts no documents have been provided and based on Fair Credit Report it should be completely removed from credit report it original agreement can not be provided. Thank You

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 2020-03-27
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:
i just went over my credit report and noticed errors on my file

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 2021-06-17
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have sent investigation and dispute letters on the following dates : XXXX XXXX XXXX XXXX Not only have they not performed any investigation into these items like I requested, but they have not sent me any investigation results by mail. This is a DIRECT VIOLATION OF MY RIGHTS! I have tried to be nice, and respectful, but the bureaus have ignored my requests to investigate these accounts that are reporting incorrect information on my credit reports. The following items should be removed from reporting to my file immediately because they have not investigated them in the time allowed by the FCRA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: Veros Credit, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I contacted Veros Credit on XX/XX/2020, to have my due date changed from the XXXX of every month to the XXXX of every month. The person I spoke to on XX/XX/XXXX was able to change it and confirmed with me that my payments will be due every month on the XXXX, and my next payment will be due on XX/XX/XXXX. Considering the current pandemic, I am out of work from XX/XX/XXXX to XX/XX/XXXX. I tried to contact them numerous times before XX/XX/XXXX so my account is still in good standing, to receive some type of loan relief and extend XXXX ' payment to XX/XX/XXXX, but I was unable to speak to anyone. Today, XX/XX/XXXX I recieved a statement in the mail stating that my account is 22 days past due and now accrued a late fee. I contact Veros same day as I recieved my statement to get an understanding and fix any confusion as well as the late fees and due date change. Veros said they are unable to help to change my due date to the XXXX because XXXX is past due. They then offered to take a partial payment now and the remainder when I start working. I told them I am unable to pay anything right now due to me being out of work. The supervisor then said that he will defer XXXX ' payment to XX/XX/XXXX and I'm going to have to deal with the late fees later down the road. I am  unable to pay anything until The middle of XXXX after I start working again, but they failed to understand that and help my situation accordingly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: CONTRACT CALLERS INC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The only way I learned of this debt collection was that it was reported on all three of my credit reports. I disputed this several times on XXXX XXXX and XXXX XXXX   removed it from my report. However, TXXXX and XXXX  are being difficult and not removing this after I replied that I have no knowledge of this account. I never received any information regarding this debt by phone or in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
XX/XX/2019 SyncB hard inquiry on credit score not authorized by 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 explanation
Consumer complaint received 2021-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established November 22, 2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free XXXX XXXX XXXX, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXXXXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX SS # ENDING IN 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 2015-04-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
My mortgage Co. Is S.P.S. ( Select Portfolio Services ). They were hired by XXXX about 8 months ago, when XXXX was our mortgage holder. But S.P.S. Became our mortgage holder in the middle of a modification negotiation. XXXX, they upped my payments from 600 to over 900 a month. Then after the trial payments of XXXX a month for 4 months, the payments were supposed to go down. But they did not. I signed a three year forgiveness contract. After S.P.S. upped our payments XXXX in less than4 months. I had an attorney read my paperwork, they advised me that my paperwork was very miss leading. I would have to pay back 63,000 dollars at the end of my loan. This is not what we agreed on. I have been dragged from XXXX bad mortgage Co. to another, to another, and yet to another. I am in need of some help with this matter. And they keep saying they will mail me papers to see if I qualify for a reduced payment. But they still havent mailed me any paper work, even after XXXX times of them saying they have. Striat faced liars.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: EQUIFAX, INC.
State: MA
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: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established November 22, 2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX SS # ENDING IN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
this company is negatively affecting my chance of repairing my credit, this amount was dismissed in court, i have the papers to proof it, i would like for you to remove this from my credit report. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I took out a $ XXXX mortgage on my apartment in XXXX, at 6 % interest ( XXXX XXXX XXXX  monthly payment ). Before Covid, I had never missed a payment. My mortgage balance was around $ XXXX. Due to Covid, I had to take advantage of the moratoriums and I ended up with about XXXX XXXXXXXX in past due payments. I do not have $ XXXX to satisfy these past due payments so I reached out to my mortgage lender, Banco Popular de Puerto Rico, and requested information on loss mitigation alternatives. The alternative they gave me was a loan modification with an increased interest rate ( 6.75 % ) and an extension of the loan term to 30 years. So, now the only option I have, other than foreclosure, is to pay {$1100.00} a month for the next 30 years, for a XXXX XXXXXXXX loan. I paid my loan on time for the last 15 years and now I have to start all over again, 30 more years, just to lower the monthly payment {$300.00}. I will be paying the mortgage lender about XXXX XXXXXXXX, in addition to the approximately $ XXXX I have already paid just to keep my apartment which they recently appraised at around $ XXXX. If this is not bad faith, I don't know what it. They have given me no choice but to lose my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: DISCOVER BANK
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Greetings, Approximately 4 months ago, my wife and I settled with Discover Card for an account and agreed that this would result in XXXX balance and closure of the account permanently. They agreed and a check for that exact amount was mailed and subsequently cashed. 

Now they are harassing us, claiming additional amounts are owed, somewhere in the neighborhood of {$400.00}. This is essentially fraudulent. 

The agreed-upon amount was PAID IN FULL and a letter confirming this was received. 

Again, harassing calls and letters have been and currently are being done. 

This should be a non-issue as the agreed-upon balance was PAID.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 sent multiple request and I feel like Im being ignored. I sent letter after letter highlighting these inaccurate items caused by identity theft. The other bureaus recognized these items as inaccurate and deleted them. I sent proof of that and still not answer. FDCPA Section 807 clearly states that inaccurate items must be deleted. I have asked for verification and still as of today over 180 days later no verification. No original contract, no personal information, no who did you speak with to verify. I demand these inaccurate items be removed immediately. These are violating my right and I have no other choice to proceed to legal action. This is a direct violation of 15 us code 1692. My information was also impacted in the XXXX and XXXX data breaches.

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