BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2021 I sent a letter to Transunion about my unauthorized inquiries. I also submitted a complaint with you guys last month on XX/XX/2021, but there was no response.

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 2020-07-22
Company: JPMORGAN CHASE & CO.
State: CO
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:
I used points from my Chase Sapphire Reserve card to make a car rental booking. I was then charged for the car rental as well. I have spent hours and hours dealing with both Chase and XXXX to resolve this issue. I have emails from Chase and XXXX saying they agreed I was double billed, but Chase still has not taken off the charge from my credit card. The car rental was from XXXX XXXX, 2020. Points were deducted from my account on XX/XX/2020 in the amount of XXXX points worth {$740.00}. They even deducted too many points and technically owe me {$83.00} back or the point equivalency as well. Then my card was charged {$660.00} on XX/XX/2020 by XXXX for the rental. I still have not received a refund and my points are still gone. I have spent hours on the phone with both Chase and XXXX and exchanged numerous emails as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
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:
Capital one is reporting a derogatory account to my credit. I have requested that this account be investigated because the information that is being reported is different across the big 3. I have requested for them to send a copy of the method of verification that was used to prove that everything being reported is true and accurate. It is against FCRA 623 ( a ) to report inaccurate information to my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: Ditech Financial LLC
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I refinanced my condo in XXXX XXXX. When I refinanced, I had to show proof of hazard insurance XXXX home insurance ). I did that, that 's how I got to closing with the loan. When the escrow account rebalanced in XXXX, somehow, they forced their hazard insurance into my escrow account ( now mind you, I pay out of my own pocket for home insurance every year ). I called to complain about it, and it took several months to resolve. Once resolved in XXXX, there was an overpayment applied to my principal ( the overage was the insurance payment ). When my escrow rebalanced in XXXX, they did the same exact thing. I have complained to them several times. They have even done another escrow analysis and this time, they are charging me too much for my taxes. My taxes were {$1100.00} last year, this year they were reduced to {$1000.00} XXXX for some reason, the bank gave me the run around about how they were still assessing my escrow at the XXXX taxes XXXX. I informed them that my taxes had gone down, and it took me another XXXX phone calls to get it resolved. During this process, my mortgage payment should be less than {$1000.00}. Because of their inability to perform simple tasks, my mortgage payment were {$1000.00} for 2 months, then {$1000.00}. This is unacceptable that I have to pay for their lack of doing their jobs. I am now in the process of cancelling my escrow account, but I have been jerked around with this process also.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2022 I noticed fraudulent accounts on my credit report, I filled a FTC report along with a CFPB compliant regarding the fraudulent accounts .The particular account that I am filing a complaint on today is Transworld systems. The fraudulent account appeared on my XXXX account before XX/XX/2022. The account has been removed from my XXXX account .On XX/XX/2022 the account is now appearing on my XXXX account .Because of this fraudulent degatory account my rights as a consumer has been violated .15 U.S. Code 1692e - False or misleading representations. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.Transworld systems has been notified of this fraudulent account and continue to violate my rights by reporting false and misleading information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: Ditech Financial LLC
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our mortgage was paid off on XXXX XXXX, 2016 with Ditech. On XXXX XXXX, 2016 our payment amount was automatically withheld, and we received a notification that the refund would be processed within 20 days. The refund still has not been processed and each representative that I have spoken with since XXXX XXXX has provided a different story. XXXX representatives, XXXX stories. Today I was told that the money is escrow. A second re on the same day said the check was released on XXXX XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: Receivables Management Partners, LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received a letter from Receivables Management Partners LLC. XXXX XXXX  XXXX, XXXX, IN XXXX. They called it a " validation letter '' but it gave very little information about what the debt was or who they were. Due to the lack of information I was skeptical that it was a scam. I spoke to the company on the phone in XX/XX/XXXX and asked them to send me more information to verify what the debt was because I didn't feel comfortable providing them my credit card information without verification. The company admitted to me that they have a record of this phone call. I received no further verification information from that company until Monday XX/XX/XXXX ( 6 months after my request ). As soon as I recieved the itemized information verifying what the bill was about, I called and paid it the same day. It was only {$180.00} which is not a lot of money. I just wanted to ensure I wasnt being scammed. 

I went to refi my home today and discovered that during the 6 month gap when they didnt provide me the verification I requested, they went ahead and reported this debt to the credit bureaus. I'm now getting a worse interest rate for my refi which will cost me thousands of dollars. This should never have been reported to the bureaus. I made every attempt to validate this debt and who this company was in order to protect myself from being scammed. They dragged their feet not sending me the information. The day that I received the information I paid it in full. I called the company today and they refuse to fix their mistake even after I escalated to management and them admitting that they have a record of my call for further verification. I want this negative information deleted from all 3 bureaus immediately. The company also admitted to me that they get a lot of calls about this which tells me they have a process gap when it comes to sending debt verification to consumers. I'm sure this same thing has happened to many others.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Fidelity Properties Inc.
State: OH
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:
Credit reporting dates are absolutely wrong on my credit report Date last active and the date last reported are 2 different dates and that means its a violation and in my legal rights I can take legal action this is why Im making a complaint for inaccurate items on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
i have attempted on numerous occasions to correct my student loan status on my equifax credit report but i can not access the account on line and via phone does not work either. it shows that i have been late on XXXX student loans and i have never been late on a student loan. the loan was transferred to another servicer. it has been corrected on XXXX, but equifax is still incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
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:
Keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.

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 2022-09-02
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:
XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To : Whom It May Concern : I received a copy of my credit report and found the following Item ( s ) to be in error : Please delete the following mis-reporting or not proven compliant, alleged information found on my credit report. Please remove Inaccurate from all three Credit Reporting company. 

{ Inquiry Creditor Name, Inquiry Date ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX CARDS XXXX Bank XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX Reporters XX/XX/XXXX Experian XXXX Personal Loan Companies XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian I did not authorize or sign for any of these inquiries and by the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove and information that the creditor can not verify. I understand that under 15 U.S.C. Sec.16811 ( a ). You must complete this this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this update report. I also request that you please send notices of the corrections to anyone who received my credit report in the past six months.

Thank you for your time and helping this matter.

Sincerely

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 2022-07-19
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I obtained a loan for {$19000.00} in 2003. I have been making payments since then. I have paid in principal {$18000.00}, Interest of {$8200.00} for a total of {$26000.00}. AES says that I still have a balance of {$18000.00}. I called several times and I do not have the dates, was also sent an amortization schedule as I requested and it is not correctly calculated. When I brought this up, they stated it is but could not explain how I have paid this much over 19 years and still owe the same amount I borrowed. AES encouraged me to file a complaint and this is what I am doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: EQUIFAX, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-11
Company: CAPITAL ONE FINANCIAL CORPORATION
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 is missing that should be on the report

Complaint:
I Have Missing Payments That Are Supposed To Show Up On My Credit Report, This Information Is Vital And Should Be Reported. No Information Should Be Missing From My Credit Report. Meaning I Believe That All Months That This Credit Card Is Used Should Be Reported On All Bureaus. Please Fix This Immediately. IAM Currently Having This Issue With XXXX And XXXX. But I Am Asking Please Fix This Immediately ... Information And Account Activity For The Month Of XXXX Has Not Been Reported. And I Am Extremely Disappointed In This Absolutely.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Experian Information Solutions 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:
Keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
re : Bank of America, N.A. HELOC Initial Disclosure XXXX.BOA XX/XX/XXXX The Early Closure Fee is explained under " Fees and Charges ''. To paraphrase : BOA will pay our closing costs but if we close the HELOC prior to 36 months, BOA will charge us up to {$450.00} ( the " base fee '' ) plus any mortgage and government taxes, recording fees, and any closing agent or attorney fees BOA paid on our behalf to open the HELOC. In this section, it also states : " If you ask, we will give you an itemization of the fees you will have to pay to third parties. '' Our HELOC was approved XX/XX/XXXX. I asked for an itemization of the fees subject to recapture in the event we closed the HELOC prior to 36 months. I was told that we would receive an itemization of the fees subject to recapture on the invoice if and when we closed the line prior to 36 months, but not before closing. Applicable regulations only require BOA to disclose a cost range for third party fees prior to closing, but we argue that BOA set a higher ( and more transparent ) standard in its HELOC Initial Disclosure when it offered to provide an itemization of the 3rd party fees subject to recapture. Unfortunately, BOA failed to live up to the high standard it set forth in its own disclosure. Providing an itemization of the fees subject to recapture prior to closing would benefit both the borrower and the bank, even if not mandated by regulation. Borrowers would get to consider the cost of the third party fees before deciding to accept the loan. The bank would make the Early Closure Fee more transparent and generate fewer consumer complaints.

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 2020-03-25
Company: Southwest Credit Systems, L.P.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Alerted to a collection from southwest credit about a cell phone bill from XX/XX/XXXX never received any documents on this account during the time of the alleged account I was stationed over seas in XXXX do not believe the account to be mine due to the fact I did not leave XXXX in route for the United States until XX/XX/XXXX attached is my household goods packaging sheet showing my movement from XXXX to the United States and the conversation with XXXX about the account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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:
Attatched JUST RECIEVED BY MAIL XX/XX/XXXX. USAA UNSATIFACTORY WRITTEN DOCUMENTATION ITEMS DELIVERED * INTO MY HANDS AS AGREED. Attatched USPS CRIMINAL INVESTIGATION ZIP XXXX. MAILBOX DELIVERIES NOT MADE XX/XX/XXXX dated XX/XX/XXXX. Kindly Note XXXX case XXXX order date XX/XX/XXXX XXXX XXXX ** IS NOT SHIPPED TO MY ADDRESS. KIndly Note documentation ( ) Delivered XX/XX/XXXX XXXX in MAILBOX. ( MAILBOX DELIVERIES NOT MADE. ) USAA DOCUMENTATION DOES NOT PROVIDE PROOF OF USAA ALLEGATIONS ITEMS WERE DELIVERED INTO MY HANDS ** Original Signature Accepting Delivery AS AGREED. PROVE DELEVERED INTO MY HANDS AS MY AGREEMENT WITH MERCHANTS OR CREDIT IMMEADTELY. USAA SLANDERS CONSUMERS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX/XXXX/XXXX Reference Ditech # XXXX Old account # XXXX A notification was sent to me on around XX/XX/XXXX. explaining that my escrow account was under funded by {$460.00} and that the shortage would be collected over twelve months if I did not make payment prior to the 30 days of the time the notice was sent out. I made the payment within the timeline requested, But Ditch continues to charge and collect that fee divided by twelve months of {$38.00} I disagree with calculations about my escrow account being underfunded. Because I was issued a check last year because it was over funded. 
On or around XXXX XXXX I wrote requesting an explanation of why my mortgage payment was increased. I have a fix rate mortgage and the cost of my homeowners insurance and real estate tax bill have not increased. 
Ditech sent a follow up letter on XXXX XXXX. XXXX stating that my inquiries are being reviewed and a written response would follow in 30days. A second letter was sent on XXXX XXXX XXXX stating that there is an ongoing investigation in an effort to resolve the issue of overpayment of mortgage fees and in accurate escrow calculations. 
A third letter was sent on XXXX XXXX, XXXX explaining my right to cancel PMI. This letter and information does not apply to me. I met the requirements to have my PMI canceled in XXXX at which time it was cancelled. So my mortgage does not include a ( PMI ). I am not sure if this letter is an effort to justify why my mortgage payment was increased. 
Addditonaaly, My billing statement for the month of XXXX XXXX included a fee of {$4.00} that is unexplained. 
I have made numerous attempts to inquire about the over charges that have continued since XXXX XXXX with customer service via phone at Ditech. Each time they refuse to give me any information about my account. I was informed that the account has a notation that customer service is not to talk to me. 
I make a payment of {$800.00} dollars monthly for my mortgage payment that was {$700.00} prior to Ditech adding additional fees to my mortgage making it now be XXXX. The additional funds from the {$800.00} was to be applied to my principle {$97.00}. The overage in fees changes and interferes with pay down of my mortgage because the correct amount is not being credited to the principle. 
Thirty days has passed and Ditech not offered any resolution to my complaint. And again I can not get anyone to discuss the matter over the phone. 
I want all the extra monies that was not appropriated correctly to the principle of mortgage to be credited to accurately. I want the {$4.00} charge that is not explained to be credited to m principle. I want the extra fees that are being collected for escrow account to be excluded from my mortgage payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation