BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
FTC Report Number : XXXX Victim Fraud Assistance Department, XXXX Breach Victim I have included all pages with the official police report from the XXXX Police Department. Also, you have a notarized FTC Federal Identity Theft Victim 's Complaint and Affidavit. Under FCRA 605B ( 15 U.S.C. 1681c-2 ) you are to block any information in the file of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I sent you clear legible copies of my credit report, FTC Identity Theft report, Official copy of the Identity Theft Police Report signed and notarized. I previously notified you in recent certified letters and affidavits that I am a victim of identity theft, and requested that you do the following : Close the unauthorized accounts and credit inquires Remove any charges on the unauthorized account, and Take steps to remove closed account information about this account from my credit files I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used fraudulently. I did not open or authorize these accounts and inquiries, and I request that it be closed immediately. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to XXXX, Transunion and XXXX as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

I also have enclosed a copy of the F.T.C 's Identity Theft Affidavit, which explains your responsibilities when reporting information to XXXX, Transunion and XXXX. Please stop reporting this fraudulent information and delete these items attached to my complaint as soon as possible. If you do not otherwise block my consumer information on my credit reports I will be left with no choice but to file a lawsuit that you volatile the F.C.R.A 605B law and how Its affecting my ability to work and buy a home.

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 2020-01-21
Company: USI Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2019 XX/XX/2019 Several cease and desist letter sent depending that this debt does not belong and to me and if this supposedly belongs to me please provide a signature of validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I am located in California and have a line of credit with PNC. I have not had a balance on this line of credit for quite some time. We are selling our home and needed to obtain a pay off demand from PNC to close on our home. PNC has not sent us any statements so we did not have the current account number. Called them and they verified who I was through their three step verification process. Initially spoke with XXXX who said she could not provide any information because I could not verify the most recent credit limit. Escalated up to XXXX XXXX who was able to verify who I was. Issue is that he said they are unable to provide me with my loan number to order the payoff nor can they email or fax me a statement because I am not located in their " footprint ''. He said the only way they could do this is to have me go to one of their branches that is out of state or I will have to wait 5 to 7 business days from them to mail me the information via standard US mail. I explained that if this process takes too long I will not be able to close my home on time. Are they sure there is no other way to accommodate a customer outside of their bank footprint. He said no. This is concerning. If a bank is doing business here in California they should have policies in place to accommodate their customers just like they could the ones within their bank footprint. Almost sounds like disparate treatment!! This will not be a huge issue for me as long as I can obtain my pay off in two weeks but for other customers outside their bank foot print this could be an issue. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: U.S. BANCORP
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Elan Financial is reporting on a debt that is not mine and I do not owe. I have never opened this account. It is not mine, and I have never had any accounts with them. Not only is this debt a fraud account, it is also past the statute of limitation and needs to be removed off of my credit file.

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 2019-05-13
Company: EQUIFAX, INC.
State: CA
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: Problem getting your free annual credit report

Complaint:
I went on line XXXX to receive my free annual credit report from XXXX, and was told that my report was not available at his time and to check back at a later time. I then went on line to the three other reporting agency and my report would not come up on my computer screen, even after opening accounts.I'am in XXXX on XXXX XXXX, do you think that could be the problem. I'am trying to change bank accounts, and having a hard time for some reson. That is way I need a copy of my credit report, to check for problems on my report. I have not have any credit activvity on my report for over the last XXXX to XXXX years. Any help would be greatly appreciates

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Bank of America is reporting on a debt that is not mine and I do not owe. I have never opened this account. It is not mine, and I have never had any accounts with them. Not only is this debt a fraud account, it is also past the statute of limitation and needs to be removed off of my credit file.

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 2019-05-13
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Synchrony Bank/WalMart charged off my account and I paid the account in full. They are still reporting on my credit that they charged off {$1200.00} after I have disputed it and paid the balance in full.

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 2021-08-21
Company: ALLY FINANCIAL INC.
State: WA
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/XXXX, I sent a formal 15-day request via US mail for a description of the procedures used to determine the accuracy and completeness of the information furnished to my credit report regarding account # XXXX with Ally Financial and/or Ally Bank, and a dismissed Chapter XXXX bankruptcy in XX/XX/XXXX, per FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and FCRA 611 ( a ) ( 7 ), wherein it states, a consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15-days after receiving a request from the consumer for that description. 

As of today, XX/XX/XXXX ( 20-days later ), XXXX has failed to acknowledge my request, send appropriate notification, provide the information I am entitled to, and has continuously furnished inaccurate and incomplete information to my credit report in the matter of these 2-items ( mentioned above ). 

1. ) Account # XXXX with Ally Financial and/or Ally Bank : I have personally engaged the US Bankruptcy Court for the Western District of Washington via telephone and US mail to confirm dates-of-birth and social security numbers of parties named in any case are not shared with third parties. 

2. ) Dismissed Chapter XXXX Bankruptcy/ XXXX : I have reached out via phone and email to Ally Financial to confirm the original contract a. ) can not be located b. ) Ally Financial no longer " owns it '' and c. ) there is new case law supporting my position in the matter as of XX/XX/XXXX ( Ally Financial Inc. v. Haskins class action settlement received final approval ).

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 2020-02-24
Company: CITIBANK, N.A.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter out of nowhere from XXXX XXXX XXXX today XX/XX/2020 stating that I owe {$120000.00}. The original creditor is CITI Bank whom I never had any credit card or associations with. I believe this is fraud as my social security might have been compromised. I called XXXX XXXX XXXX and told them I do not know what this debt is nor do I see this on my credit report and they kept assisting I pay, I asked them why would I pay if I don't even know what this is? 
I then called the original creditor, CITI Banks and told them I don't have a card with them. They attempted to look me up in their system using my full name and social security number. When they couldn't locate me they told me to disregard the letter and that CITI Bank has been experiencing fraud. I do not want this on my credit report as this is not my 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 2019-05-13
Company: General Motors Financial Company, Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To whom it may concern, I am writing to have an incorrectly reported late payment removed from my credit history. The creditor, GM Financial, states they have attempted to remove it and are unsure why it is still appearing on my reports. 
The following is a summary of events for the account in question : XX/XX/XXXX : 39 month lease signed XX/XX/XXXX XX/XX/XXXX : Payments made on time using autopay XX/XX/XXXX : Called GM Financial and explained I purchased a new truck and would like to pay off and turn in the lease early, they walked me through it online, the remaining payments to the end of the 39 month lease were paid in full and the truck was turned in to the local GMC dealer, XXXX XXXX. 
XXXX XX/XX/XXXX : I received a credit alert stating my score had dropped. Upon investigation it was the GM lease stating I was over 30 days late. I could not call because they were closed on weekends. 
XXXX XX/XX/XXXX : I called GM Financial and they stated I had never turned in my truck, therefore I was still being charged. I explained the truck was turned in last XXXX, they requested that XXXX XXXX, the dealership, send them proof of the turn-in. XXXX XXXX faxed copies of the turn-in to GM Financial the same day. I called GM Financial back and they stated the documents were received and that they would request a correction to my credit history to the reporting bureaus but that it may take a few weeks to correct. 
XXXX XX/XX/XXXX : Credit reports still show a late payment on my credit history. I called GM Financial back and they stated they would again request a correction to my credit history. 
XXXX XX/XX/XXXX : Credit reports still show late payment on my credit history. I again called GM Financial. The representative stated she would send me a letter showing my account was closed in good standing and with a perfect payment history that I could send to the credit reporting bureaus to have my credit history restored. 
Supporting documentation from GM Financial is attached where they state my account had zero late payments. Additional documentation is also attached from XXXX XXXX, the GMC dealer I turned my truck into showing I turned it in in XX/XX/XXXX. 

Thank you for the help,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The original creditor was XXXX XXXX. It is a paid chargeoff, collection debt. I have been attempting to have the item removed off my file. My dispute was erroneous information, the date opened, the name and the actual date that Portfolio obtained this debt is wrong. I requested actual validation and they sent me 2 sheets of paper and the dates on the paper are the year of XX/XX/XXXXand XXXX and Portfolio did n't obtain the debt until XX/XX/XXXX. I sent correspondence to Portfolio and the credit bureaus on numerous occasions explaining that the information had to be correct and it is n't. I want the item deleted so I may move forward in my quest to have excellent credit. The debt is old and paid it has no purpose except to report as a negative item. I communicated with the credit bureaus and Portfolio on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and I spoke with a XXXX XXXX in the dispute department of Portfolio about my concern and he told me that he understood and I thought I heard him say that the item would be deleted but as of today it is still in my credit file. So I am pleading for assistance with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: Experian Information Solutions Inc.
State: NY
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  and Experian keeps saying an collection on my credit report is verified but dont explain how. The company is in XXXX XXXX and I live in XXXX. I have never reside in XXXX XXXX. I have never received a bill or collection letter from this company. I have proof of where I have been living for the past 10 years. Where is the proof that I lived in the location that the services were provided? How was it verified? I had collection shield send a validation and verification letter but the company never responded within the 30 day timeframe. So how is XXXX and Experian validating this account? I will have to seek a lawyer to sue XXXX, Experian and XXXX XXXX XXXX if this fraud account isnt removed from my credit report.

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 2020-06-07
Company: JPMORGAN CHASE & CO.
State: MI
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:
ISSUE # 1 : I submitted a billing dispute to Chase twice to remove {$25.00} of a charge from XXXX XXXX XXXX the past couple of months. I have still not received so much as an acknowledgement. 

I filed a chargeback request disputing {$25.00} of the following transaction. 

XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX MI {$570.00} I paid {$25.00} for unlimited refills on XXXX XXXX cleaning solutions kit ( general cleaner, window cleaner, etc. ). XXXX XXXX wont provide any refills, so I did not get what I paid for. 

I even e-mailed Chase 's executive office on XX/XX/XXXX but never heard back. 

ISSUE # 2 : I e-mailed Chase customer service asking them to become more sustainable. 

Chase remains the world 's biggest banker of fossil fuels, and customers have a set of clear demands for you : -Close the loopholes in your restrictions on financing coal companies and fossil fuel infrastructure in the XXXX ; -Stop financing tar sands extraction and pipelines ; -Immediately end your funding for companies that are expanding fossil fuel extraction and transport ; -Put in place a plan to phase out all support for fossil fuels on a timetable aligned with the XXXX  Agreement. 
-Many credit card companies are issuing non-plastic, biodegradable credit cards. I hope Chase makes the switch too. 

Chase 's response : Hello XXXX, Thank you for contacting Chase. For privacy reasons, we generally don't discuss our business interactions with individuals or businesses. We appreciate your business and welcome your ongoing feedback and will continue to work hard to meet your needs in the future. Your satisfaction is important to us. We appreciate your business and thank you for being a Chase customer. Thank you, XXXX Chase Email Servicing XXXX AOC : XXXX My response back : Chase 's website, https : //www.jpmorganchase.com/corporate/Corporate-Responsibility/es-comprehensive-strategy.htm, says Chase is all about transparency and reporting, but clearly that is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: AMERISAVE MORTGAGE CORPORATION
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX Borrower entered into an addendum agreement with Seller to extend the closing date of the Subject Property to XX/XX/XXXX per the promise of funding by Amerisave Mortgage. 

Funding to be accomplished by Amerisave Mortgage per " loan origination agent '' and Loan Origination Manager '' by or before XX/XX/XXXX. 

Buyer allows the " Earnest Money '' ( {$5000.00} ) to be transferred " non-fundable '' ( XX/XX/XXXX ) to Seller for credit to the purchase price at closing justifiably relying on the verbal promises of Amerisave personnel to the Buyer Realtor & Buyer. 

On or about the XXXX day of XXXX seller issues Buyer a " Cure Notice '' stating that Buyer must close or Seller will keep all earnest money and cancel the purchase agreement.

Buyer and Buyer Realtor notify ( telephone & email ) Amerisave ( 4x 's ) of the impending financial damages to the Buyer from a failed funding by Amerisave. The Seller cure notice expires ( XX/XX/XXXX, XXXX, PT ) without any " urgency or financial commitment '' by Amerisave. 

Numerous calls were made again on XX/XX/XXXX to save the purchase agreement and prevent the earnest money ( {$5000.00} ) of the Buyer from being irretrievable. 

The calls of XX/XX/XXXX were finally responded to by the Loan Origination Manager at XXXX XXXX PT ( XX/XX/XXXX ) stating that he had been " out of town '' for the last 4 days or so and will get on the " funding progress '' as soon as possible. 

The challenge being is the the Loan Processor was scheduled out of office from XX/XX/XXXX to XX/XX/XXXX and made all " loan issues '' forward to the Loan Origination Manager '' who was also out of office at the same time. Notwithstanding, both agents knew or should have known about the closing dates of the " purchase agreement '' under their control. The Buyer and the Buyer 's Realtor notified Amerisave several times about the impending financial loss to the Buyer. 

Amerisave finally funded the purchase agreement on XX/XX/XXXX, 5 days after the " cure notice '' took effect and 2 days after the Seller had cancelled the agreement. 

the Seller exercised their option to cancel the purchase agreement and to get more money from the current market. 

the Buyer lost {$5500.00} due to Amerisave 's lack of professional due diligence and lack of promised performance. Amerisave 's failed performance forced the Buyer to spend an additional {$25000.00} in funding costs and 5 to 10 days of extended stay costs to find a replacement property.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2015 I divorced my husband. At that time he signed the property over to me in the divorce. I was already a borrower on the Note. My attorney did a warranty deed that was signed by a judge and filed properly. Bank of America will not acknowledge me as owner of the property only as a successor in interest. I have maintained all insurance and paid all property taxes and made all mortgage payments on time for the past 5 years to no avail with Bank of America. Two weeks ago I received a letter from Bank of America Stadium that the title was transferred without their permission and that they could foreclose on my property or accelerate the note. They won't even talk to me to resolve this situation. I have on three different occasions sent to them a copy of my divorce decree the warranty deed and the judge 's signature in this situation. All of this is giving me extreme XXXX  and I'm unable to sleep and I'm having medical problems due to the XXXX. I just want some help in resolving this situation once and for all.

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