BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-16
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Diversified Consultants, INC XXXX XXXX XXXX XXXX XXXX, FL XXXX Florida Office of Financial Regulation License # XXXX XXXX Department of Consumer Affairs License # XXXX Ref : Agency Reference Number # XXXX / Account # XXXX To whom it may concern : On XXXX-2017 Diversified Consulting Inc sent me a letter stating that I owed a debt. I am disputing the above referenced debt. Please verify this debt as required by the Fair Debt Collection Practices ( FDCPA ) ( section 1692g ) and XXXX XXXX XXXX Administrative Code ( section 20-493.2 ). XXXX XXXX XXXX regulations require all debt XXXX to send specific written documentation verifying the debt. Under section 2-190 of the Rules of the City of XXXX XXXX, verification requires all of the following : Proof of my agreement to pay the original creditor A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and the basis for each charge. I dispute this charge because I do not recognize this debt and I do not owe any money to this creditor. I monitor my report monthly and I have become a responsible consumer and this is an unfamiliar debt to me. If it were indeed valid it would have been paid. Moreover, this debt appears to be past the Statute of Limitations. Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the trade line from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDPCA and their Fair Credit Reporting Act. ( section 1692g ) Aside from verifying the debt, do not contact me about this debt. The FDCPA and Rules of the City of New York ( section 5-77 ) require that you honor this request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-26
Company: ALLY FINANCIAL INC.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I, XXXX XXXX entered into a consumer credit transaction with Ally Financial a consumer credit transaction in which a finance charge was involve. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The Finance charge is suppose to include insurance, but Ally Financial made me purchase insurance separately. Also, I sent Ally Financial a cease & desist and they are still calling and harassing 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 2021-07-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I purchased a soft cooler on XX/XX/XXXX. I received a tracking number on XX/XX/XXXX. The tracking number said it was delivered on XX/XX/XXXX. That the first sign of a fraud. I contacted the post office. They told me it was shipped to a completely different address. They explained this common fraud tactic. The shipper doesnt respond to me. I contacted Bank of America. They offer fraud protection with this card. Bank of America prematurely closed the case. Denying me. 
I contacted the bank two more time. The agreed that it was their error and that they would reopen the case. Each time they reopen the case they closed it less than 24 hrs later. Zero chance for me to give no info.

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 2021-07-26
Company: Seattle Service Bureau, Inc
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Am making a report because a collection company is trying to make me pay a amount that I don't owe Someone is Using my information And they Said that their gon na have my license suspended I berly started driving so idk how they got my information when I reported my information as someone using my information And keep sending me papers

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I am disputing with Transunion certain inquiries that were added to my account which I gave NO authorization or consent for. I have requested to Transunion to remove them as these vendors and merchants have no permissible purpose to view my report in accordance to 15 U.S.C 1681b. I have faxed this dispute in and have provided CFPB with a copy of a confirmation.

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 2021-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Re : REQUEST TO REMOVE AN INITIAL FRAUD ALERT AND REMOVE AN EXTENDED FRAUD ALERT To Whom It May Concern, Ive sent this complaint to your credit reporting company in request to REMOVE AN INITIAL FRAUD ALERT AND REMOVE AN EXTENDED FRAUD ALERT appearing on my credit report, under the Fair Credit Report Act you are required to comply with my request, I know that your company will need some sort of verification to prove my identity. My documentation is clearly enclosed and attached. Thank you!

After these FRAUD ALERTS has been REMOVED, please send me written confirmation to the address as it appears on Government Issued ID and bank statement. Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX XXXX ENCLOSED ARE THE FOLLOWING THREE DOCUMENTS THAT VERIFY MY IDENTITY GOVERNMENT ISSUED ID/SOCIAL SECURITY CARD/BANK STATEMENT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Transunion should not be allowed to charge for reveiling a person 's credit score. There should be one universal equation to caculate a score ; transunion, and each finacial institution should use different caculations for a person 's score that is not just. These score effect our lives, employers check credit scores. So how can we all be on equal footing if everyone is using a different equation? In XX/XX/XXXX They reported a score of XXXX in XX/XX/XXXX they reported XXXX and they only difference on my report is santander wrongfully reporting a miss payment and close account instead of account being paid off. And it is still being reported today.

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 2016-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XX/XX/2015 I worked out a payment plan with XXXX XXXX so I could pay off a delinquent amount owed. When the Rep first told me about their generous payment plan option she told me that they would waive all late fees, interest and annual fees to help me pay off the balance if I agreed to terms that they would directly tap my checking account for a set sum every month for a year. The problem is when I asked how this would affect my credit report she said she did not know. I had to work out something so I took the offer. Now however I have some debt I truly need to pay off including XXXX XXXX and want to refinance my mortgage to tap my home equity to pay it off once and for all. The problem is that I just learned through applying for a refinance that my FICA score is so low due to XXXX continuing to report that I am delinquent. When I spoke to XXXX Customer Service a few weeks ago, they told me that they were aware that any of their payment plan options on my card would, in fact, affect my credit since they do not attempt to adjust for the acknowledging the payment plan I am on. My complaint is that the original Rep did not reveal this to me. If I had known this at the onset, I would have immediately worked to refinance XX/XX/XXXX before my FICA dropped so precariously low. I feel the original Rep was deceptive in not properly investigating internally how her own company would handle my credit reporting. And, they wo n't send me the transcript of the original Reps ' call with me either, which I feel further proves they are hiding behind what was not said and should have been. Now not only am I prevented from getting out of debt and paying XXXX off sooner ( to their own disadvantage I might add! ), but I am financially strapped until this XXXX debt is paid off this fall. I can not wait to do this as I am getting into deeper debt every month as my other credit card bills continue to mount with interest. The ONLY one reporting me delinquent is XXXX -- every other card issuer and bill payer I am on time. This is serious for me. Can you help get them to eliminate the delinquency reporting so I can get my FICA score back on track to get a refinance and pay them and other creditors off?

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 2021-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I am not able to access my credit files. The three bureaus have told me that my information does not match the information on file. I can not get anyone on the phone, and when I call, none of the prompts are what I need to access my files. When I try to make accounts on the websites, I am not able to do that either.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-03
Company: JPMORGAN CHASE & CO.
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Chase double drafted mortgage payment even after confirming twice that this in fact would not occur. I had Chase pause my automatic payment for XXXX/XXXX/XXXX so that I could make the payment XXXX/XXXX/XXXX. After confirming with them twice that I would not be double drafted, both the XXXX/XXXX/XXXX transaction was drafted and the XXXX/XXXX/XXXX transaction was drafted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
On Equifax it shows address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX. I have never lived there. It is the home where my ex-wife moved into after our divorce. Please advise. 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-24
Company: HCFS Healthcare Financial Services of TeamHealth
State: DE
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
In 2010 I went to the emergency room. I gave them my insurance card and all pertinent information. I received a notice from my health insurance company that the claim was submitted but to the wrong address ( state ) -- it should have been submitted to PA. The insurance company sent them a letter DETAILING how to correctly submit the claim. I called and went over all the information again and explained their error. THEY RESUBMITTED TO THE WRONG STATE AGAIN. They were contacted again and the claim was NEVER RESUBMITTED. I have NEVER been without health insurance in my life. I have already disputed this on my credit several years ago and nothing was done except to put a comment " account in dispute ''. Thank you for all your help. XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: Experian Information Solutions Inc.
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:
Today, XX/XX/2021 I called the credit card issuing company ; XXXX XXXX XXXX  which is an actual credit card. 

The reason for my call was to request a letter stating that the credit bureaus can delete XXXX XXXX from my credit reports since I had paid off that debt. 

I was told by to request this letter by a person named XXXX in the dispute department at Experian credit bureau and he told me he needed that letter for them to delete the negative account from my credit report since I had paid the balance and no longer owe them any money. 

When I contacted XXXX XXXX the lady told me they do not do letters like that and would not provide that information for me to give to the three major credit bureaus. 

I paid this on XX/XX/XXXX. 2021 and I do have a letter confirming it has been paid and I will upload it now All I want is to be able to have this negative debit deleted from my credit report since I have paid it off and no longer owe anyone so I can get a mortgage to buy a house but the mortgage company wants that off the report to be able to proceed with my first home purchase.

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 2022-04-13
Company: Recovery Solutions Group, LLC
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Outbound call to XXXX XXXX with XXXX, XXXX on XX/XX/2022 about debt collection for XXXX. Accused us of insurance fraud and threatened to have XXXX 'look into ' us if payment was not made within 24 hours. Never recieved written notice of the debt or information to dispute debt, name of creditor or contact information for the creditor, when we told XXXX XXXX this, he said XXXXCOVID slowed down the mail and some people aren't even getting them '. I also told him I was at work and needed to get off the phone, and he kept insisting payment was needed to keep us from being investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I ca n't get Carrington Mortgage to correct an erroneous escrow analysis. My first contact/request for correction was XXXX/XXXX/XXXX. CMS Customer Service submitted my request to Escrow Dept. and immediately cancelled it. Then I called them for a status on XXXX/XXXX/XXXX and CMS Customer Service had to submit it again. This time, instead of submitting to Escrow Dept. as an escalation, they just placed it into a regular queue. I called again on XX/XX/XXXX and still they had not started on it. I was transferred to their property tax vendor who said the Escrow Dept. would need until XX/XX/XXXX ( Saturday! ) to complete it. I called again on XX/XX/XXXX and still it was n't completed. I 'm angry and frustrated because they are increasing my payment by {$300.00} a month based on an erroneous property tax projection. Please help me. This happened to me in XX/XX/XXXX and it 's the same nightmare all over again!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: JPMORGAN CHASE & CO.
State: ID
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have been receiving calls from Mr. XXXX who will not give his company name but states he is collecting a credit card debt that I owe Providian now Chase Bank for XXXX and that they have been trying to serve me papers but have been unable to reach me. Mr. XXXX states I was sent a letter on XX/XX/2021 explaining I am being sue and I have not responded He did repeat my actual social security number, my date of birth and place of employment. He stated that they were going to show up at my job and serve me papers and have my wages garnished, and that will ruin my credit. Problem is I have never had a card with Providian or Chase Bank I explained that to him and he said it was an old debt and since Providian was bought out by chase bank they have a right to collect this debt. I ask to be mailed validation that I owe this debt and he said they mailed it in XX/XX/2021 and that they are only required to mail it one time so if I lost it that is my problem. I have never received anything from anyone regarding being sued for a debt. I have a credit score as of today of XXXX and there is nothing on my credit report as of today. they have already called me back 5 times in the last few days. I hang up but am concerned that they have my social security number, date of birth and place of employment. The number Mr. XXXX calls from is XXXX and they say my file number is XXXX with so many scams out there I thought this needed to be reported. Per Chase Bank they have no record of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: Rainier Financial Group, LLC
State: ID
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I have paid way over the amount of the loan, the company had started collection activity. Two weeks ago I spoke to them and stated I could not receive calls at my place of employment. I received a call today and a voicemail was left on a general mailbox at my place of employment with the name of the creditor requesting a call from me after being told not contact me at that number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
We never received our XXXX credit card statement from Capitol One due to the dismantling of the US Postal Service initiated by the Trump Administration. Capitol One is a major contributor to the XXXX XXXX in general and the Trump administration in particular, so they share in the responsibility for what is happening at the USPS. When we were able to view the statement a {$25.00} late fee had been charged as well as a {$13.00} interest fee. We contacted Capitol One and made immediate arrangements to pay after having the fees were waived by a bank associate. 

Today I checked my Capitol One statement online because once again the statement has not arrived. Once again the bank has assessed a {$4.00} interest fee which they said is due to last months late payment. I called Capitol One and this time they have refused to waive the fee. They also refused to provide contact information for higher level management to appeal to. I have no recourse but to file a complaint with the CFPB. 

I have an excellent credit rating and I refuse to submit to extortion. I am appealing for your help with this because not receiving my statement was totally out of my control.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-26
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
When searching for a refinance we encountered XXXX XXXX of Rocket Mortgage, a branch of Quicken Loans I believe. We were promised quick efficient service because we had XXXX accounts, and THAT WE WOULD NOT NEED A HOME APPRAISAL. 

Over a period of many months they asked for document after document. Then they claimed that so much time had gone by that we had to redo some of the documents. 

And then, when we sat down to sign, the process was halted because of a spelling error. 
Then, they said they couldn't continue until they had another closing sum from our bank. 

Now they claimed that the original interest rate offer had expired. 

NOW THEY CLAIM SO MUCH TIME HAS PASSED THAT WE NOW NEED AN APPRAISAL OF OUR HOME 'S VALUE! This does seem like bait and switch? 

In any case we have heard nothing further from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Experian Information Solutions Inc.
State: NV
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:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the following items are not removed in 4 business days XXXX will be in direct violation of 15 U.S. Code 1681c-2. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ). Fraudulent account : XXXX XXXX XXXX ( Account Number : 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