BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-06
Company: Specialized Loan Servicing Holdings LLC
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: Their investigation did not fix an error on your report

Complaint:
Lender name : Specialized Loan Servicing Repoted 30 days late for my XX/XX/XXXX payment of {$3900.00} I was seeking forgiveness of a late payment that occurred in XX/XX/XXXX. I'm asking for forgiveness because I was XXXX XXXX  in the latter part of XXXX into the first three weeks of XX/XX/XXXX. I had the XXXX XXXX. The fact that the XXXX XXXX  is borne out by this news article on Covid19. 

XXXX XXXX  XXXX " Health officials are working to figure out exactly how long COVID-19 has been in the XXXX XXXX. A new report suggests it could have been long before they started looking for it XXXX XXXX County 's Chief Executive Dr. XXXX XXXX suggests that COVID-19 could have been in the XXXX XXXX and circulating, since late XXXX in XXXX, according to the article in the XXXX  XXXX. '' During this period, I was XXXX XXXX and unable to make payments on my mortgage payment on time I was literally XXXX XXXX XXXX XXXX. It was not a purposeful and could not be avoided as I was XXXX and XXXX. As you will see from my file I was very consistent in the year prior to and months after my XXXX. 

I was asking that my credit file be updated reflect the forgiveness under the Covid 19 relief plans that my lender took advantage of.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I checked with XXXX There is no record of me owing this money. I contacted Transworld Systems to clear up the matter. They failed to give me any details about the bill and abruptly disconnected the phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-21
Company: VW Credit
State: TX
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
I have leased XXXX XXXX vehicles from XXXX over the last decade and have never had an issue. My XX/XX/XXXX XXXX XXXX lease is complete on XX/XX/XXXX. I only used XXXX mile of my XXXX mile lease and my vehicle is in perfect condition so it is worth more than my residual payoff balance is {$22000.00}. I decided not to purchase another XXXX vehicle because of poor service and was offered {$24000.00} for the vehicle as a trade in. However, the payoff quote issued to the dealer was {$25000.00} when my contractual payoff with XXXX if I purchase the car is only {$22000.00}. I have been told that XXXX is the only brand that has this practice to prevent customers from purchasing brands other than XXXX. I can not believe that they would treat their customers so poorly in order to make a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: Ditech Financial LLC
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Originally, green tree servicing llc granted me a {$29000.00} loan for a pool at my residence. In order for me to qualify, the representative of the company inflated my annual income by nearly XXXX %. My income was approximately {$34000.00} per year and to make the loan work, he reported it at $ XXXX as memory serves. I was a single father at the time, stuck in a terrible adjustable rate mortgage, receiving no child support and working XXXX jobs. There was no way I should have been qualified for the loan. Yet Green Tree found a way for XXXX XXXX, who has since gone under, to put a nearly {$30000.00} pool in my now foreclosed on home. 
Since my foreclosure, I have remarried and after being served collection papers from a law firm that Green Tree apparently sold my loan to, I reached a settlement with the law firm to repay half the remaining balance, just over {$14000.00}. They worked with me and put me on a manageable payment plan that was scheduled to be fulfilled in XXXX 2016. However, with tax returns and yearly bonuses my wife and I were able to pay the balance earlier this year and it is my understanding this debt has been satisfied. 
Now I receive a notice in the mail that is a letter informing me that 'Federal and state law prohibit certain methods of debt collection, and require that we treat you fairly. ' This was received from Green Tree Servicing of XXXX, Arizona. This letter not only rekindles the sour taste I have from ever being qualified for a loan they had no business issuing, but also leads me to believe that they still have this loan as an active debt. Frankly I am hesitant to contact these people to find out what is going on because I simply have no trust in them, and I worry they may try to collect further, even after our settlement. 
I decided to write to the CFPB because they provided your website as an avenue to report shady collection practices. I feel everything this company has done has been shady and feel it is my right to inform your offices of my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
XX/XX/2015FROM : XXXX XXXX ( " XXXX '' ) XXXX XXXX, TX XXXX ( land at home ) E-Mail : XXXXToday I received an e-mail from an entity providing a pen name for their e-mail address of " chase ''. Their e-mail address was : " XXXXXXXXXXXX ''. The e-mail said that they had new interest rates on home loans. They provided a link for me to submit my financial data and identity information, and said that they 'd then quote a rate. Instead, however, I received phone calls and e-mails within about an hour from XXXX finance companies : XXXX, and XXXX XXXX. These companies said that they received referrals such as in my case from various entities, but seemed to imply that they did n't collaborate with organizations like the one which had sent me the aforesaid e-mail. I 've attached a copy of that message. 
I suspect that the aforesaid entity which sent me the e-mail was impersonationg the bank known as " JPMorgan Chase XXXX XXXX , XXXX '' That company usually just happens to use the brief name, " Chase '', to identify themselves, and note in that regard that they 've instructed me to make the checks which I send them for the monthly payments on my first mortgage with that institution merely to " Chase ''. 
The contacts which I received to solicit my business on home loans as a result of that suspicious-looking e-mail, and shortly after I 'd completed the link contained therein were : Loan Depot : XXXX, XXXXXXXX : XXXX, XXXX XXXX ( his e-mail address for the message he sent me : XXXXXXXXXXXX addition, I presented all this information today to XXXX XXXX XXXX XXXX XXXX for her investigation : " XXXXXXXXXXXX '' ), XXXX ( direct ) ; XXXX XXXX XXXX Office, Resolution Advocate ; XXXX, ext. XXXX. 
I have also reported this entire matter today by phone to the assistant manager, " XXXX '', at XXXX of JPMorgan Chase XXXX XXXX , XXXX 's branch offices in XXXX, Texas : XXXX ; XXXX FM XXXX XXXX, XXXX, TX XXXX ; e-mail address for the manager there, XXXX XXXX : XXXXXXXXXXXX said that she 'd refer the matter to the appropriate party ( parties ) within the corporation, but she has n't contacted me since then to indicate what she 's actually done, if anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This complaint is for XXXX  and Transunion I have filed several times with no resolve.I have a car loan which I was late in XXXX up to XXXX of XXXX it stated on my credit report that this item would be listed in good standings in XXXX of XXXX the only one that did was XXXX. There was also a collection for capital XXXX purchased by a debt collector that I paid it was removed but now transunion says I have another for the same amount but through XXXX  XXXX and not a debt collector I informed them it wasn't mine but again with no resolve. I have paid everything I could that was in collections and it finally brought my score up with XXXX from a XXXX to XXXX but XXXX  and transunion are still sitting at XXXX and XXXX and I paid collections in all XXXX I'm trying to purchase a new home through va because my husband passed XX/XX/XXXX and he was a 100 % due to injuries from XXXX so I am qualified but I have no cooperation from XXXX  and transunion. I would appreciate anything you can do for me. 
Thanks 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 2022-07-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
Opened XX/XX/2019 Balance {$730.00} Company : XXXX XXXX XXXX XXXX  accordance with the Fair Credit Reporting act XXXX Account # 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

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 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2021-12-14
Company: WELLS FARGO & COMPANY
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2021. XXXX refunded {$73.00} into my checking account after I cancelled a carpert cleaner I ordered. 

XXXX ID # is XXXX, their authorization code number is XXXX. 

I checked my checking account with Wells Fargo. It's as though the transaction never took place. I'm checking my account and XXXX is not listed.

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 2020-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXX XXXX, has reported an incorrect account that is a result of identity theft on my credit report. XXXX to place the unauthorized account on my credit report as open in my legal name. XXXX and XXXX claim they did an investigation and received a signed contract from with my signature on it. This is not true and false information on my credit report. I have attached a police report from the original accounts opened without my consent. XXXX  refused to file my dispute and advised I contact CFPB. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 2017-03-28
Company: Diversified Consultants, Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was surprised to find a debt on my credit report from XXXX with Diversified Consultants Inc ( DCI ). I had phone service through XXXX through the end of XX/XX/XXXX, but had canceled my service and switched providers. The account went into collections, but I never received any kind of notice from DCI that it was being collected on ( either by mail or phone ). 

On XX/XX/XXXX I called XXXX and spoke to a customer service representative who told me that if I agreed to pay XXXX, before I actually paid, the representative would revoke DCI 's collection authority, allow me to pay, and then make a request for deletion to the credit rating agencies for this account. This sounded good to me, so I paid the specified amount. However, on XX/XX/XXXX, instead of a removal, I checked my credit report and instead saw an entry from DCI marking the account as 'Paid ' with a balance of {$0.00}. 

Not happy with this situation, I contacted XXXX using their online chat feature ( chat ID # XXXX ), and said that the representative had told me that collection authority would be revoked from DCI, I would pay, and the account would be deleted from my credit report. The representative responded, " The information is correct. ", leaving no ambiguity as to my understanding being correct. 

As of today, XX/XX/XXXX, the account remains on my credit report with a status of 'Paid ' and a balance of {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: GMA Investments, LLC
State: WI
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Consumer Name : XXXX XXXX Reference No : XXXX XXXX Account Status : Forward to Summit Receivables Original Account No : XXXX Original Creditor : XXXX I took out an unsecured online installment loan from XXXX XX/XX/XXXX I recall which i have subsequently been unable to pay and the loan is in default ; XXXX transferred/sold the loan to XXXX - I have been negotiating in good faith with XXXX for several months and have offered payment in full versus taking a discounted settlement but the issue is length of time - I need 48 months at a minimum. XXXX had accepted the 48 month arrangement, then reneged on it - purportedly because I failed to make the 1st payment with 5-8 days from the accepted online agreement. But, when I went online to make that 1st payment, the account was listed as " still negotiating ''. When I attempted to submit the aforementioned exact same online agreement, XXXX rejected it and the loan has been in limbo ever since - about 3-4 months. Today, XX/XX/XXXX, I received a call from a lady saying she was with Summit Receivable. She initially was trying to reach XXXX XXXX XXXX - a company I had previously worked for. When I told her I used to work there and can I help her, she then wanted to know if I knew how to reach XXXX XXXX. When I replied it is I who you are speaking to, she then wanted to verify my ID by asking for DOB information. I resisted but decided to provide since I was curious as to what she was doing. She then said she was with Summit Receivable and was calling about XXXX and wanted to know if I was able to pay it. I responded that before we discuss anything, I first wanted her identity, her company name and address and contact information and also a debt verification letter. She responded that the company has provided that before and when I pressed by saying that I just wanted to make sure I was n't falling for a scam trap, she became sarcastic and rude saying " like when you took out all these loans ''. I replied that I will be filing a complaint with the CFPB at which point she simply hung up on me. After that call, I emailed XXXX and requested status of my account. XXXX emailed a reply back indicating that Summit Receivable had been assigned to collect on this account. Other than that email which I had to initiate, I received NO prior warning or information regarding that. Also, a person also reached out to one of my references on the XXXX loan looking for my contact information and indicated they were a debt collector - a clear violation of the law. My reference contacted me and informed me of this attempt. What is especially troubling is that XXXX has had numerous contacts with me - phone, fax and email and I have given them permission to contact me using any of those mediums. I would have assumed that if XXXX had transferred collection of the account, the contact information would have been provided to their new representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: Ability Recovery Services, LLC
State: MS
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
When I was trying to login my classes online XXXX XXXX XXXX XXXX XXXX. I was able to open the online classes because it was turn over to a collection agency. So, it was a number there for me to call the collection agency ( Ability Recovery Service Center ). When I call and was trying to talk to her ( XXXX XXXX ) she was very rude I was trying to tell her I am unemployed and I would n't not be able to pay in full ( {$2500.00} ). She start yelling on the phone with me getting smart. I was trying to ask her if I can come up with a {$150.00} to open my classes back up. She would n't listen to what I had to say and when I call her XXXX XXXX ) back the second time she said I have already talk with you once but I was trying to tell her the school ( XXXX XXXX XXXX ) said I would n't have to pay in full ( {$2500.00} ) to open my classes back up but ( XXXX XXXX ) said it not what ( XXXX XXXX XXXX XXXX say it what she say. She was still yelling on the phone you would have to pay in full but I am unable to pay the full amount cause I do not have a job at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: D2 Management LLC
State: OH
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Received a call from D2 management saying that I owed a payday loan from XXXX. I said that is it false and the woman said it is over 1100 that I owe. I said I know my rights and I want something in writing and she said that the have my SSN number but would only give the last four. She stated I would be in big trouble and then I hung up.

Company response to consumer: Closed
Consumer complaint received 2022-01-24
Company: CCS Financial Services, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXXCS CREDIT COLLECTION SERVICES AT XXXX XXXX XXXX, XXXX, MA HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF {$680.00} THE COLLECTION HAS BEEN REPORTED AS PASTDUE BALANCE.I DO NOT KNOW THIS COMPANY, I HAVE NEVER DONE BUSSINESS WITH THIS COMPANY, THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE ON IT .....

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: Midwest Recovery Systems
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I'm XX/XX/19 I received an alert from on XXXX from Midwest recovery System bringing my score down 30 points. This company I never heard of not never received a notice saying that I owe them. I check and monitor my credit report on a daily basis. This report was sent on XXXX. This is not my debt I do not know who these people are. I will contact an attorney regarding this and how they handled this illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: DISCOVER BANK
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been getting 10 to over 20 phone calls a day to two of my phones. Many are from the Discover 800 number, but several come from another number not listed as Discover. I can almost set my watch to the times this company calls me. I have tried to inform them that this was illegal, but they said that they have every right to do this until my debt is paid or a settlement is reached.

Company response to consumer: Closed with non-monetary relief