BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-13
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loan ending in XXXX LoanCare a division of XXXX. 

I received notice of return payment for the my XX/XX/XXXX mortgage payment with Loancare. I was incredulous as I knew that I had made a payment on XX/XX/XXXX using their " Paynow '' feature. I only have XXXX accounts with XXXX  that I registered with LoanCare to deduct my monthly payments from. Those XXXX accounts are the only XXXX accounts I have ever registered to make payments from. I do make payments on another entirely different mortgage to XXXX mortgage also a division of XXXX XXXX. Somehow my LoanCare account deducted a payment or I should say attempted to make a payment from the account I use to pay the XXXX mortgage. I have a 12 month payment history that all of my LoanCare payments come out of the XXXX XXXX  accounts. I spoke with customer service and they told me that a cross over payment could never have happened and that I should delete all my payment accounts with LoanCare and start over. My reply is if I never registered the bank account, then how could I delete it? I believe this is a technical glitch with their " XXXX '' feature. The web portals for XXXX and Loancare are obviously maintained by the same technology company as they are very similar. I am adamant that I would never make a payment from any other account I am now upset that my credit report has taken a hit for having a late payment. 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 2022-08-23
Company: CL Holdings LLC
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Attention : Attorney XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Via Hand Delivery On or about XX/XX/XXXX, I received notification from my Attorney that there was an item on my Credit Report that is not valid. 

On XX/XX/XXXX I contacted the Creditor JEFFERSON CAPITAL SYSTEMS and discussed this matter. 

During the conversation ( AUDIO RECORDING ATTACHED ) THIS IS THE ACTUAL CALL https : XXXX? XXXX & XXXX As you will notice, the company stated that 1. They Acknowledged that NO DEMAND LETTER WAS SENT TO MY ADDRESS 2. They Violated the FCRA by reporting a disputed illegal purchased debt against my credit profile, based on the fact that I was never notified of the claim. 

Their internal account number data is : DEBT DESCRIPTION : XXXX XXXX ACCOUNT : XXXX CURRENT CREDITOR ( XXXX PURCHASE OF XXXX ACCOUNT ) JEFFERSON CAPITAL SYSTEMS LLC XXXX REFERENCE : XXXX AMOUNT OF THE DEBT : XXXX XXXX This is being submitted to the CFPB prior to the Filing of Federal Litigation. 

I ask that you compel this company to follow the law and LISTEN to the ACTUAL CALL. 

We have the actual transcript of the call. 

This is the actual PODCAST of this ILLEGAL EVENT THAT HAS BEEN SYNDICATED Regards XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, New Mexico XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
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: Account information incorrect

Complaint:
Attached you will see payments made to XXXX and the fact that XXXX reports this balance and account paid in full and/or as non-existence but it is on my credit report. I did not falter with our agreement, XXXX choose to close my account so I am not in violation at all. I never ported out my number and they are now telling me that they want all the money I paid all over again, yet the account does not exist, and it is on my credit report. Why would I pay XXXX twice just because they state I must. I will not pay them the moneys already paid, the tablet already traded in, and the monthly payments already made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-13
Company: TD BANK US HOLDING COMPANY
State: TX
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:
Burden of proof on a disputed card transaction belongs to the merchant. I reported a duplicate charge to TD Card Services on XX/XX/2022. The amount of the duplicate charge was for an online transaction in the amount of {$23.00}. 

Credit card company is delaying the credit to my account. They continue to utilize mail services to correspond and make requests for faxed documentation to me, the consumer. Every other credit card company has a simple online dispute that can be filed and credit issued within XXXX or XXXX days. 

I explained that the transaction is a duplicate. If I send XXXX receipt to reflect my charge of {$23.00}, this proves nothing. There is no documentation to clear a duplicate that a consumer can provide. 

My complaint is that TD Card Services is not following current laws in providing immediate credit to my account. Consumer does not have the burden of proof in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Experian Information Solutions Inc.
State: MI
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:
Consumer reporting agencies obtained and shared my information with XXXX XXXX XXXX XXXX on XX/XX/2022 without my express written permission.

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 2022-11-11
Company: FIRST HOME MORTGAGE CORPORATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To whom may concern, I'm having issues with my mortgage company : First home Mortgage. 

XXXX. On XX/XX/2022 - My family received an " annual escrow account disclosure statement and change of payment notice prepared for '' - stating that the mortgage payment for our house will be increased by {$2600.00} dollars a month by XX/XX/2022. 

XXXX. After doing our own research we discovered that the property tax bill was calculated incorrectly by the DC government and the mortgage company has made a payment for the incorrect excessive amount that was increasing our mortgage. 

XXXX. First House Mortgage was notified immediately requesting for us to contact the Government of the District of Columbia to correct the property tax bill. 
We immediately proceed to contact XXXX, and after our request, a new tax assessment for the property was provided on XX/XX/2022. The " STATEMENT OF PROPERTY '' ( attached ) specified that a correction was made an a tax credit of {$13000.00} has been applied to our account. 

XXXX. The same day - XX/XX/2022, we reached out over the phone to XXXX XXXX XXXX to request the correction of our Annual Escrow Account so the monthly mortgage payment was corrected and would reflect the monthly payment with the correct value. 

XXXX. Repeated calls and communications were necessary to explain the situation to First Home Mortgage and to request them to collect the credit from XXXX. 
At this point, my husband and me - the owners of the property - can't understand what was the reason for their negligence to collect the credit and correct the account. 
After a week of constant requests, we were informed on XX/XX/XXXX that even after collecting the credit from XXXX a new Escrow Account Statement was needed to show the correct Monthly mortgage payment making us wait additional weeks. 

XXXX. On XX/XX/2022, we received a new Escrow Account Statement, however, the statement does not apply the full credit provided by the government to the account and still requests the additional {$2600.00} dollars a month for the XXXX and XXXX mortgage payment. 

XXXX. After calls on XX/XX/XXXX, XXXX, and XXXX to try and obtain information from First home Mortgage they CAN NOT explain the reason behind not applying the full credit to the account. 
The only solution provided is that " They have made a mistake '' and all we get is : " we are sorry but you have to make the payment otherwise late fees will apply '' and if they make the correction at some point they will provide the difference as a credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: EQUIFAX, INC.
State: AZ
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX XXXX : XXXX XXXX XXXX XXXX  Addresses : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Name : XXXX XXXX XXXX XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX Collecons : XXXX XX/XX/2020 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX, AZ XXXX Collecons : AD XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Experian Information Solutions Inc.
State: FL
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:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-08-02
Company: Experian Information Solutions Inc.
State: AZ
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX XXXX : XXXX XXXX XXXX XXXX  Addresses : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Name : XXXX XXXX XXXX XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX Collecons : XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, AZ XXXX Collecons : XXXX XXXXXXXX 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 2022-09-29
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
I have noticed many incorrect and unauthorized items appeared in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: AMERICAN EXPRESS COMPANY
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened a new American Express XXXX XXXX XXXX card and went through steps to set up automatic payment after the account was opened. After the initial account opening I was unable to access the payment screens of American express website. I assumed the autopsy would make they payment but apparently there were technical issues and the payment never posted. I chatted with American Express and they acknowledged the technical issues and they agreed to refund the late fee but would only refund {$40.00} of the interest assessed. 

This is not a fair solution, had the website worked, I would accept the finance charge. But it did not and Amex knew it. Therefore I should not be charged interest if I can not make a payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
In XXXX of XXXX, XXXX  announced it experienced a data breach and my personal information was stolen. As a victim of Identity Theft, my social security number, home address, phone number, and email was stolen and then used to obtain credit cards, car loans, and other additional loans in my name. My life has been ruined and I need help. I've reached out to the credit bureaus but received little assistance. I submitted a letter XX/XX/XXXX to XXXX, transunion, and XXXX  but not haven't got a response. According to Section 6 ( a ) failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been more than 60 days with no response. I demand all horrific inquires, collection item, closed accounts, and previous addresses to be removed or I will file for litigation due to the stress you have caused. That is not me. Please see the attached document of the letter I sent to the credit bureaus and the XXXX Data Breach Settlement given to me by XXXX  credit bureaus. Please delete inquires, collection item, closed accounts, and previous addresses. 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 2022-12-13
Company: JPMORGAN CHASE & CO.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2022 I authorized Chase to pay a bill recipient XXXX via online bill pay. Chase debited my account and according to its system sent a paper check to my bill recipient. The recipient says they never received the check. Chase refuses to provide me with any information to show the recipient has actually cashed or recieved the funds from the paper check. The only documentation Chase will provide me is a proof of payment that is limited to showing that I initiated the payment and an estimated payment date. I can't get any information as to whether the check was cashed, by whom or into what account. I spent XXXX on the phone with customer service and various departments and in the branch. While the fraud department did tell me that they could see the information as to what acct cashed the check that they could not directly send me that information and sent me to customer service, who told me proof or recipes information was not available. I want to be able to direct my bill recipient to where the check might have been cashed and only Chase knows that information and they won't tell me, despite having taken the money from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Lendmark Financial Services
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: Old information reappears or never goes away

Complaint:
I have contacted the reporting credit agency that lendmark is reporting a repeating charge off for more than 180 days. 

They simply updated the charge off of in XXXX. How we this continues inaccurate reporting was cause for a deletion due to the damage caused by the improper reporting. 

Which has continue to update for since past the 180 day charge off statute The balance was still showing it shouldnt have due to it being charged off. 

XXXX showed my last payment as XXXX first 2018 XXXX and XXXX showed last payment as XX/XX/2018 A high credit amount was shown on XXXX as {$4500.00} While XXXX and XXXX showed high credit as {$4700.00} Date last active on all XXXX XXXX, XXXX, XXXX are all showing XXXX different dates. 


Due to the inaccurate reporting I asked for this account to be deleted. 

It has impacted my credit due to the length of inaccurate report provided to the agencies. 


Has violated my rights with fair credit reporting act. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


The fact that this charge off was simply updated and not deleted is a clear violation with the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: Experian Information Solutions Inc.
State: AL
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:
Experian keeps playing delay tactics in regards to an account that isn't mine. I have told them this XXXX XXXX XXXX account is the result of identity theft. I have even submitted a police report expressing the same and they continue to ignore my requests to comply with Section 609 ( e ) of the FCRA. I am requesting that they block this account because it is identity theft. Attached is proof of ID, police report, and FTC affidavit. THIS IS NOT A REQUEST TO DISPUTE. THIS IS A REQUEST TO BLOCK THIS INFORMATION DUE TO IDENTITY THEFT.

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 2022-09-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I contacted XXXX XXXX in XXXX XXXX to update my Equifax credit file because the loan balance was incorrect and they did not update the payment history since last XX/XX/XXXX. On XXXX XXXX, I got an alert saying that the account was updated, but they showed I was 30-59 days late for the month of XXXX. That is incorrect. I have never paid late on the loan. Every payment was made before the end of the grace period. I was never charged a late fee. Nothing. But yet, when they updated my Equifax credit file on XX/XX/XXXX, it was showing only payment history for XXXX and with XXXX late. There was no payment history for XXXX, even though I got the loan in/or around XX/XX/XXXX. It is reporting correctly on XXXX and XXXX. The loan has never reported correctly on Equifax. It was initially duplicated when XXXX XXXX became a bank. It took me months of disputing with both Equifax and the company directly to get one removed from my credit file. As a result of this error, my credit score XXXX points yesterday. I went from XXXX to XXXX. This is disgraceful on every level possible.

Company response to consumer: Closed with explanation