BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I was involved in the XXXX breach. The surveillance company, XXXX, we were given to enroll in informed me that a collections was entered on my credit report. I told them it was not mine and they investigated. In XXXX they deemed it to be fraudulent and disputed it on my behalf with the credit bureaus. XXXX told me to check in XXXX and that it should be expunged from my reports -- it is still there. They say that they can not do anything else. Can you help me get it removed -- it is effecting my credit score.

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 2021-03-22
Company: EQUIFAX, INC.
State: SC
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 finally paid off my last debt months back n none of the three credit bureaus will accept my paid in full receipt! I have been fighting their games for years n I am finally in a position to change my life, n the credit bureaus r holding me back by not allowing me the chance to become debt free! Made r tried to make complaints in the past, which r really useless when you receive the typical canned response to check a box n make me go away!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18
Company: Aldridge Pite, LLP
State: GA
Product: Debt collection
Sub-product: Mortgage
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
On XXXX XXXX, XXXX I was contacted through the mail by Aldridge Pite LLP, who claim to be attempting to collect an alleged debt for XXXX XXXX XXXX. Upon receiving the letter from Aldridge Pite, I began to draft my response pursuant to 1692 ( g ), and before I could enter my dispute I received a Notice of Pending Foreclosure Sale on XXXX XXXX, XXXX. On XXXX XXXX, XXXX Aldridge Pite received a Consumer Notice of Dispute of Debt in pleading form pursuant 15 USC sec.1692g, and though there were some apparent errors in the notice, the demand was very clear. Aldridge Pite LLP 's response was lacking verification and validation of any facts, as submitted in letter received XXXX XXXX, XXXX. At that time I saw that XXXX XXXX was indeed a debt collector as defined by 15USC sec.1692 ( a ) ( 6 ), and then filed Notice of Insufficient Response on XXXX XXXX, XXXX. The Notice sited errors in accounting of alleged debt by proof of Aldridge Pite 's own submission, demanded verification and validation, and ordered a CEASE AND DESIST. After XXXX XXXX 's receipt of such Noitce, I received through the mail a Cancellation of Foreclosure Sale on XXXX XXXX, XXXX. However, on XXXX XXXX, XXXX, I received another Notice of Pending Foreclosure Sale identically styled as the previous Notice of Pending Foreclosure Sale absent of any acknowledgement of dispute or verification and validation. My response to Aldridge Pite, was to make Notice of Violations Pursuant to 15 USC sec.1692 on XXXX XXXX, XXXX. Aldridge Pite responded saying, " we believe our response was sufficient to satisfy and verification obligation we may have under the FDCPA '', they also referenced to letter dated XXXX XXXX, XXXX. The inoperative word that XXXX XXXX used, " believe '', is neither verification nor validation as defined by law which lead me to draft a FINAL NOTICE on XXXX XXXX, XXXX siting a Summary of Facts and Violations pursuant the FDCPA XXXX XXXX sec.1692. Aldridge Pite 's response to such filing was to send a letter dated XXXX XXXX, XXXX styled, Cancellation of Foreclosure Sale. Then on XXXX XXXX, XXXX, Aldridge Pite LLP, gave Notice of Pending Foreclosure Sale, once again without any compliance to Federal Law pursuant to the FDCPA 15 USC sec.1692. Because of financial downfall, my response will be through a type of amendment to Final Notice, however I do intend to move for District Court of Georgia to ratify my PRIVATE RIGHT OF ACTION claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Trans Union is ignoring my requests to investigate, verify and remove some accounts from my credit file that do not belong to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
on XX/XX/2020, my XXXX account was hacked and {$4000.00} was stolen from my bank of america checking account. i called bank of america immediately upon knowing to file a claim about my funds being stolen. i immediately deleted my XXXX account and stopped using my BOA account due to the fraud. they informed me recently to tell me that my claim was denied because of lack of evidence. my XXXX account was hacked and im being charged for my own money being stolen.

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 2021-03-22
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 have these inquiries on my credit report that I did not authorize I believe it to be fraudulent TransUnion XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX-XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/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 2020-03-26
Company: SYNCHRONY FINANCIAL
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
SCHRONHY BANK, SYNCB, QVC, PPMC PULLED MY XXXX WITHOUT PERMISSION. I HAVE CONSIDER FRAUDULENT.

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 2021-03-22
Company: CBC Companies, Inc.
State: FL
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:
Factual Data has pulled a hard inquiry on my credit file twice in XX/XX/2021. Factual Data can not access my XXXX  credit file after I have removed my security freeze. Factual Data is able to access XXXX, and XXXX  with no problems. 

I contacted XXXX directly and they have confirmed the security freeze for my credit file is temporarily lifted. Factual Data should be able to access my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Trans Union is reporting that a bill has not been paid for {$170.00} and is in collection status. The Bill is from XXXX XXXX and has been in dispute status for several months while I was trying to get the insurance company to pay it. Finally got the bill re-coded properly and Insurance company paid it. After 3 attempts to get this resolved, They are still showing it as unpaid.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
i been dealing with this company not blocking fraudulent accounts and public records from my file for the past almost 3 years as i been going through identity theft. i have sent them countless numbers of official police reports and i also have attached a copy of my FTC fraud identity affidavit which includes every company that i know of that someone used to steal my identity i cant even move forward in my mortgage process for my family because they are also reporting XXXX public records that was filed in error under my name. It 's XXXX bankruptcies XXXX from XXXX and XXXX from XXXX those need to be removed permanently immediately. i have only filed bankruptcy XXXX time which is in XXXX of XXXX. All these errors on my credit report is stressful and depressing and me and my lawyer is thinking of filing a lawsuit for emotional distress due to all this untrue information on my file. it 's hard to even live or get a job with all this identity theft. I demand that all accounts and public records be blocked immediately or i will proceed with the lawsuit against this company in the amount of XXXX XXXX dollars. i have disputed all these items several times and nothing has been done. I have never had a phone account with XXXX never filed bankruptcy in XXXX or XXXX those are filed in error under my name. i have attached a copy of all the information that this company asked for and told me that all this information including the public records would be blocked. I do n't see how they are investigating these items when the companies that im disputing are sending me letters saying they are removing these items but this company still wo n't update my report and let me live a regular life it 's very frustrating and they are breaking federal laws in the process while hurting me and my family.

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 2021-03-22
Company: Experian Information Solutions Inc.
State: SC
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 finally paid off my last debt months back n none of the three credit bureaus will accept my paid in full receipt! I have been fighting their games for years n I am finally in a position to change my life, n the credit bureaus r holding me back by not allowing me the chance to become debt free! Made r tried to make complaints in the past, which r really useless when you receive the typical canned response to check a box n make me go away!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-11
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
My private student loan of {$40000.00} was issued in XXXX. Till date I have already made payments of {$26000.00}. However, the lender younomics claims that as of XXXX XXXX, XXXX, I still owe the full principal amount of {$40000.00} plus interest for a total of {$67000.00}. Further, I believe that the lender did not disclose the actual interest I would end up paying nor the breakdown of interest and principal. They knew at the time of signing the loan, that it was not reasonably possible to pay off the loan and that I would perpetually be in debt, yet they failed to disclose this fact. Moreover, I have been repeatedly requesting for more than a year, in writing and through phone calls, that the lender send me a copy of the loan contract. Each time the lender 's agents promise to that, but never send the documents, further evidencing that a full disclosure was not made at the time of issuing the loan and that they took took advantage of my vulnerability of prospective graduate student looking to get admitted immediately. Also, I have been repeatedly telling the lender and its billing company, that I want to speak to somebody with authority or the legal department for possibly revising the loan terms, that I was disputing the amount, and that they should not do an adverse reporting of my credit scores unless I spoke to that person. Yet, they went ahead and reported the credit agencies that my loan was delinquent for 3-59 days thereby adversely impacting my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: U.S. BANCORP
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I refinanced about a year ago, and the terms of my new loan do NOT require any mortgage insurance (PMI).  Despite this fact, I recently discovered that my bank has been withdrawing about $XXXX a month from my escrow account for the past twelve months.  And - based on the statement they mailed to me last month - they planned to continue to do so for another year (or longer - as long as they could get away with it, I presume).

(Like most escrow accounts, my escrow account is supposed to be used for home insurance and county taxes.  According to my statements, these payments appear to have been paid out correctly.)

When I called the bank, I was told that they couldn't just return my money and stop any future withdrawals.  Instead, they added a "replacement reserve" entry to my monthly payment, a credit which matches my "mortgage insurance" entry that just started appearing on my statement.  (Neither of these items were on my statement until this month's bill.)  Additionally, I have a XXXX new item on my statement - a "shortage" of about $XXXX.  That's right - my bank wants *me* to make up for the XXXX shortfall in my escrow account, a situation that *they* caused by incorrectly withdrawing my money!

The only reason there is a shortage at all is because of their incorrect withdrawals (last year) combined with their estimates for the coming year (which they shouldn't be doing in the first place), which together cause the "projected" balance to drop below the required minimum.

(I'm aware that my taxes and house insurance have risen slightly.  But this should only raise my payment by about $XXXX per month, not $XXXX.)

I've tried talking with multiple bank representatives, and they've explained the "replacement reserve", but they don't seem to be able to remove the so-called "shortage".  I've been told to just pay the extra XXXX shortage this month, and that the PMI would be removed next month, but I've already been told a bunch of things that didn't happen to this point (including that this would already be fixed by now).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-08
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was informed from my employer that a garnishment has been placed on my income. I then called Midland funding about the garnishment. They stated that they had sent me numerous letters to which I never received and that they had also served me with legal documents back in 2014. I stated to them that I never received any legal documents regarding their debt. They stated to me that the paperwork was not given to me directly that it was just given to whomever answered the door. I have n't a clue who could have been handed this personal, private information filled legal document as I was not staying at the address they had mentioned at that present time. So I was never able to dispute this debt that they are claiming that I owed to them. When asking who the original debtor was they stated that it was from a credit card company that I have not been a member of for the past XXXX years which means even by 2014 the original creditors debt should have dropped off or charged off. I am now facing Financial hardships due to their lack of business ethics.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-21
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
on XXXX XXXX 2014 i maid a contract with XXXX company for lawn service and we agree to cancel contract any time with no penalty for cancellation ( iam sending you copy of contract ) for my house thy promise my in XXXX to XXXX mounts everything will be green. After XXXX mounts my lawn was getting ugly and worstI called to company and spoke with XXXX to cancel contract he told me give us XXXX more chance and i will com to your house personally see WATS going on he never came and thy continue charge and take money from my credit card on i called again and cancel my contract and i told them i am not happy with service and i do n't want to your workers com to my property no one deed not came for service after XXXX and thy continue charging my credit cardI called my credit card company and stop the payments and dispute the charges credit company send them request and no answer from them and refund my money XXXX for the XXXX time services witch i never receivedAfter that thy start abusing me with tel calls and letters and some collection agencies {$180.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: PENNYMAC LOAN SERVICES, LLC.
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Im a XXXX veteran working with PennyMac loan servics for over 5 years. Never missed any payment not 1 time. They contacted me to Refinance my Va mortgage back in XX/XX/XXXX. And it been a nightmare lieds after lies. I was told by my loan officer i would be closings on XX/XX/XXXX and not to pay my mortgage for XXXX and XXXX because in would be included in my loan. That was a lie, didn't have all the right documents for the closing. So they rescheduled my closing for XX/XX/XXXX, and XX/XX/XXXX, and cancel out with saying a word. After i took off work all 3 times. Had my credit missed up for XXXX and XXXX XXXX XXXX called and told me to pay my mortgage for XXXX and I would be closings for sure XX/XX/XXXX .So i did, no problem. Closed as scheduled everything good i thought. Never received any money after closing like they promise 3 days after. Then they started calling telling me i was late for XXXX and XXXX mortgage payment that was supposed to be included in my new loan. My first payment for my loan was XX/XX/XXXX. Call after call threatened after about making a payment. And i told them i closed on the XX/XX/XXXX. Nothing, Reach out to XXXX  and they didn't nothing. Call and talked to VIps after Vips. Managers after manager loan officer after loan officer nothing be lied. Then threatened to canceled my loan all together. Need help bad can not sleep or eat head hurting every day. Got me and my family stressed out of losing our home. Pennymac is the worst Mortgage company in XXXX. My credit is messed up because of them and can't go anywhere else.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-22
Company: DISCOVER BANK
State: AZ
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: Card was charged for something you did not purchase with the card

Complaint:
I had fraudulent activity that occurred on my Discover card, I called Discover as soon as I noticed the charges and disputed them. During my first phone call they advised me I did not have to file a police report. After their investigation they did not deem it as fraud because the charges were spent at stores that I had previously purchase items at. This went on for six months starting in XXXX when the fraudulent charges began. Discover Unwilling to re-review and remove these fraudulent charges unless I have a police report. I reached out to the police and they said the camera footage from the stores the purchases were made or not kept for that amount of time. So now Im stuck paying for charges that I did not make and discover will not do anything about it

Company response to consumer: Closed with non-monetary relief