BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have sent copies of documentation that I have had the same STUDENT LOAN since 1990. It 's just that my student loan has been bought by other Banks and Consolidated. 

I am requesting that my loan be registered of having the LOAN since 1990 from its original date that is started since its still the same loan just being bought out and merged.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
TransUnion suddenly added XXXX ancient derogatories to my credit report -- XXXX! With XXXX update. Prior to that, TransUnion showed I had XXXX derogatories. And all of these " new '' derogatories are years old -- not new, there are multiple repeats, AND they 're items that had already dropped off my credit report ( they 're just under the name of new collection agencies ). It makes it hopeless. I have 0 % debt today, I am 100 percent on-time with my bill paying and only had medical debts to begin with, and that because I was hit by a driver with horrible insurance and spent the last 7 years having XXXX after XXXX I had to pay for out of pocket. Before that I had a high credit score, owned my own house. There is no American Dream -- or hope of avoiding today 's monstrously greedy landlords when we 're trapped and unable to buy a home and control our monthly housing costs because of these horribly inaccurate bureaus that everyone gives such power -- even though everyone knows how wrong their information is. A banker told me that it wo n't be long before they 're abandoned by mortgage lenders, etc. who know a credit score today is pretty much useless in determining someone 's credit worthiness but the computer program makes them enter the number. For now. But in the meantime, their carelessness damns anyone who falls victim to an unlucky event as much as any debtor 's prison did. There is no way out.

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 2020-12-29
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I noticed my card was missing on XX/XX/2020 I checked my account and attempted to dispute 4 unauthorized transactions, after attempting the 1st one I realized I didn't understand the wording and I would have to call and wait on the line to get helped, I did and filed the claim but apparently only for the remaining 3 transactions, I did notify the representative of my attempt thru the mobile app and that I wanted to include that too but apparently she didn't do so. Now the " temporary credit '' has been removed from my account and Chase is telling me they can't do anything about it! So I'm just supposed to be liable for unauthorized purchases made while my card was lost!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-10
Company: AMERICAN HONDA FINANCE CORP
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
XX/XX/2022 called loan company to report that a loan/lease was reporting on my credit report that was not mine and was told that I had to call credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I needed the year of birth corrected on Transunion file. I called the customer service, they directed me to a fax number which is not working, nor ringing, it is always engaged. I complained they asked me to send a letter in writing, they said allow 5 business days for the transaction to process, I am concerned because I 've already sent a letter, but they claim they have no way to acknowledge when they would receive it, simply stating to me that when there processing department does, they will update. I am just frustrated because they are not offering any confirmation when they received my documents XXXX copy of request in writing to update my year of birth including copy of drivers license ) I would be appreciative if you can put pressure, this is affecting me in getting a loan approved. I will attach here what I have sent to Transunion at XXXX. XXXX XXXX XXXX, PA XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06
Company: Parnell & Parnell, PA
State: AL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Opened an XXXX XXXX account so that we could use on vacations so that we would not have to carry cash with us. After coming back from vacation we received a bill saying that it must be paid in full. They would not accept payments and turned it over to a debt collector with which we settled with out of court. They told us that as long as we did not miss a payment then there would not be a judgment. XXXX is still reporting our account delinquent and the judgment has not been resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Fay Services is supposed to escrow for both taxes and insurances for my account. They have been taking money out of my account for escrow and not paying my insurance or taxes. After a long battle with Fay Services they sent me a check for my homeowners insurance. At first they said my account has only been escrowed for taxes and that's why insurance is not being paid. Now they are saying my account is set up for insurance but not set up to escrow taxes. According to my closing documents and the people serviced my loan before them my account is supposed to be setup to escrow both INSURANCE AND TAXES. They are illegally not following the rules of the closing documents which states that escrow be collected for BOTH HOMEOWNERS INSRUANCE AND TAXES. This company has not followed the rules of the closing documents and are choosing to break the law. I've asked them to review the documents and update the account and do an escrow analysis a lot of times but they refuse to do that and instead make excuses and lie and say the account has not been setup for escrow. Instead of reviewing the closing documents that I signed and setting up the account correctly By law they are not allowed to setup the account the way that they choose to, they have to follow the documents that I signed. Now they have sent me an escrow surplus check of XXXX XXXXand cant tell me if its money that actually is owed to me or if its a mistake on their end and they should have kept it in escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: U.S. BANCORP
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I saw an online advertisement for US Bank with 0 % interest for 24 months period back in XXXX XXXX XXXX I applied with the goal of doing a balance transfer XXXX XXXX XXXX  and got approved. I initiated the transfer on the same day as I applied, carefully reviewed my application, and did not see any mention of any additional fees. 

It took US Bank almost a month to complete the balance transfer, which was posted on XX/XX/2022 and at the same time {$150.00} " Transaction Fee '' was added to my US Bank credit card balance. 

I called US Bank XX/XX/2022 and asked for the removal of the {$150.00} " Transaction Fee '' and was told by the customer support 's supervisor this fee can not be removed. 

I see this as a potential violation of Unfair, deceptive, or abusive acts and practices ( UDAAPs ) Dodd-Frank act, where the bank is not clear and upfront about additional fees in their advertising and application practices. 

I would not have applied for US Bank 0 % credit card if I knew " Transaction Fee '' will be assessed.

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 2015-09-22
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: ME
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My father died XX/XX/XXXX. I am his sole heir. He had given a power of attorney to a friend who helped him manage his affairs. XX/XX/XXXX, that friend received a letter from Santander Bank stating that my father 's bank account had been inactive for more than three years and that the bank would have to remit the funds in the account to the Massachusetts Treasurer 's Abandoned Property Department unless the bank was contacted. The friend forwarded the letter to me. I called the bank 's customer service number and was instructed to mail to the bank 's " fulfillment department '' my father 's death certificate and an affidavit stating I was the sole heir. I mailed those items on XX/XX/XXXX and have followed up that mailing with XXXX faxes of the same material. The bank will not acknowledge the correspondence. I have called the bank 's service center each time before sending a fax. The service representatives state that they do not have a phone number for the " Fulfillment Department ''.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: R J Baucum Enterprises, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This company has repeatedly harassed me over a debt but refuses to tell me what the debt is. All debts were discharged by a bankruptcy 2 years ago. This company calls me from multiple numbers, numerous times a day. They only call using automated system and this is harassment. I havent received any mail from this company and attempts to contact them to get them to stop or find out more information has failed. They say they are with Edward Sloan Associates. 

They call from : XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are just 3 of the numbers they call from. Theyve called from over 50 different numbers.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: JPMORGAN CHASE & CO.
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Today I received an automated phone call about my Amazon XXXX credit card. The automated voice said someone had charged a XXXX pro computer laptop to my card and they wanted me to push a button to connect with someone who could talk to me. 
The phone number was local to me XXXX and they called me at XXXX pm. I hung up the phone because I had not used my Amazon XXXX recently and I checked my account online and it was ok. I did not attempt to call the number back. 
This was a scam and I just wanted to report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: General Motors Financial Company, Inc.
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I bought a car thru XXXX XXXX in XXXX XXXX I had XXXX car payment late due TO THE XXXX SHUTTING DOWN FOR TWO WEEKS it was n't my fault that was out of my hands and they marked me late. Also I signed up for auto pay in XXXX of XXXX. THEY XXXX UP PAPERWORK AND DIDNT PUT IT IN FOR 3 months even though I talked to their representatives and they told me it would only take 10 days from the date they received it. It took them three months. So that is not my fault that they XXXX up but they have marked me late XXXX. So a total ofXXXX late payments which was n't my fault. I can not help if XXXX shut down and we did n't get paid on time. And its not my fault that their employees do n't put paperwork in on time. I am still paying on car and, my monthly payment comes out every XXXX of month now

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: Thrive National Corporation
State: MS
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I did join the gym. I took out a membership. I stopped going to the gym due to a racist employee working. I pay my bill just as any one else would. I agreed to pay the cancel fee and all. But the manager never would call me or face me face to face. The only person I ever seen was the rude employee. I left # serval times and called no one ever called me back. Now I call to this day and I 'm informed they ca n't take this off my credit and they apologize bc they are the new owners and that was XXXX their time.I ca n't help the manger never called. They was n't ever in the building and I 'm not going any place that I do n't feel welcomed.I paid my bill and always went. I just wanted to be treated with respect which I did n't get. This should n't have ever got reported to my credit. I agreed to pay cancel fee the manger needs to man up and call me or talk face to face. I 'm not the only XXXX in this situation. And it 's sad a manager ca n't call a member personal and talk on XXXX and solve the issue. No wonder why they had to find new Owner 's. Now the new ownersowners claim its nothing to do with them it was XXXX their time to take it up with collectors that they would agree to take it off my credit but they did n't know how to go about doing it. Do I need to get a attorney to help me get this removed??????

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Greetings, My mortgage loan originated on XX/XX/2020, with an Unpaid Principal Balance of {$230000.00}. However, LoanCare 's system shows that they have arbitrarily increased by UPB to well over $ XXXX ... Why? Why are you applying my payments to a higher UPB? Pull the Note and they can confirm the UPB. 

Please have my UPB updated correctly AND reapply ALL payments received and applied to the account thus far to the corrected UPB amount, with the correct effective date. Please request that they provide a formal response of their findings, and confirmation of the corrections. 

I have attempt to call their office to get this corrected ; however, the automated system leaves me on hold for long periods of time with no answer .... then hangs up on with. 

Attached is screenshot so you can see what I am seeing as well. 

Also- MY TAXES ARE PAST DUE from XX/XX/2020. When will they disburse for taxes ou of my escrow account?

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 2022-07-05
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hello, I have received a copy of my credit report with the intentions of trying to improve my credit report multiple times and take care of myself and my child due to being homeless. I noticed a few accounts that i wanted a little more information on and did not recognize. I am not saying they are reporting right or wrong. I am just saying that i am not 100 % sure if they are. I also read the Fair Credit Reporting Act where it said by law I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to yall. 

Are you familiar with something called 15 U.S.C. 161i ( a )? I read that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 % right and correct. I also saw on the credit site and board where this lawyer said you have 30 days to complete this investigation.

I AM NOT SURE WHY THE CREDIT BUERAUS CAN NOT PROVIDE ANY PROOF OF THE ACCURACIES OF THESE ACCOUNTS BUT WONT DELETE THEM!! THEY ARE NOT CORRECTLY DOING THEIR JOB. 
THE ACCOUNT NAMES ARE AS FOLLOWS. 

1 ) '' XXXX XXXX XXXX '' -ORIGINAL CREDITOR WAS XXXX XXXX XXXX XXXX BALANCE:XXXX  AND WAS UPDATED AS ACCURATE ON XXXX. THIS BALANCE WAS DISPUTED SEVERAL TIMES. 

2 ) '' XXXX XXXX XXXX '' -ORIGINAL CREDITOR WAS XXXX XXXX.BALANCE:XXXX  AND WAS UPDATED AS ACCURATE ON XXXX XXXX BALANCE HAS BEEN DISPUTED SEVERAL TIMES. AS I DISPUTED THIS THE BALANCE DECREASED FROM OVER XXXX YET THEY WONT DELETE IT. 

3 ) '' XXXX XXXX XXXX '' - ORIGINAL CREDITOR WAS XXXX AN XXXX XXXX BALANCE WAS XXXX $ XXXXTHE BALANCE WAS UPDATED AS ACCURATE ON XXXX XXXX. 

PLEASE HELP ME THIS IS NOT FAIR!! 

In accordance with the " Fair Credit Reporting Act XXXX Account numbers XXXX, has violated my rights. 

15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On Several Occasions I have contacted National Credit Adjusters with regards to this old debt that they keep adding and removing from my credit report which is causing harm to my credit score. I have attempted several times to ask for debt validation since this account does not belong to me and not once have they attempted to provide any kind of documents at all. This company has more than enough complaints on them and how they harass consumers all day long. I want this untrue/non-compliant derogatory account deleted from my credit report immediately. This company should not even be in business with the number of complaints against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
For the past 5 months, I have been trying to get my title from Ally Financial for a car that I financed through them. According to Ally Financial, they issued my car title to a car dealership in XXXX North Carolina called XXXX XXXX  XXXX after this car dealership requested the payoff. Hard to believe that a car dealership had my loan number and VIN number to make this request, it seems like they are running some kind of a scam if you ask me. According to Ally Financial, they have issued the title to my car for a payment of {$38.00} from XXXX XXXX XXXX, after I have paid $ XXXX in payments to Ally. Definitely looks like some type of fraud taking place between these two organizations. Ally has sent me a notarized letter of release of lien but the state of California will not issue title because XXXX XXXX XXXX has now taken a lien against the car. So now I have a car that I can't sell or drive because XXXX XXXX XXXX has liened the car out, if the car is totaled in an accident they would receive value of the car. 

XXXX XXXX XXXX address is XXXX XXXX XXXX XXXX NC XXXX. 

The title rep at XXXX XXXX her name is XXXX, phone number XXXX, according to XXXX the company doesn't have my title. If you didn't have my title and VIN information how could XXXX XXXX be able to put a lien against my car. 

It is my belief that the Ally and XXXX XXXX have a scam going on, allowing XXXX XXXX to borrow funds against cars that they don't own.

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 2016-06-10
Company: Reverse Mortgage Solutions, Inc.
State: TX
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mother had a reverse mortgage with reverse mortgage solutions. After she died we put the home up for sale we were supposed to close on the loan on XX/XX/XXXX we in order to pay off prior to that on XX/XX/XXXX and the lender placed the home in foreclosure on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: PNC Bank N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have had several conversations with PNC regarding how to set up overdraft protection of my accounts. On XX/XX/20, I spoke to XXXX who indicated that my mortgage account did not have any overdraft protection, directly contradicting my previous conversation with a PNC representative ( approximately XX/XX/20 ) in which I was told the mortgage account had overdraft protection added. Each time I speak to a PNC representative regarding this account, I receive different information about which how the accounts are set up. PNC has failed to follow my instructions multiple times. I asked XXXX to listen to previous recordings on this matter, and she claimed there was no way for her to look up this information. This poor communication has resulted in an economic loss as my mortgage company has charged me a {$50.00} NSF fee, and they require a statement for PNC to reverse this charge. PNC is refusing to give this statement, and they are avoiding investigating this matter fully by listening to previous recordings with CSRs which would corroborate my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX XXXX is closed. The bank no longer exists. I had a secured credit card with the company and they folded in the middle of the account. They took my money and I could n't contact them. I found them years later and disputed it. They sold the account information to capital bank which is also on my report and capital bank re-aged and opened accounts with no proof of contract or nothing. XXXX XXXX XXXX is no longer in business and legally if they are not how can they report on my credit report? I need a answer in writing or some kind of proof that says that is legal. They also kept {$200.00} and the {$50.00} or something to open the account. 
This is the XXXX complaint

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation