BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-22
Company: Ameritech Financial
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XX/XX/XXXX To Whom it May Concern, In the fall of XXXX I was contacted by Ameritech Financial with the promise of a program to help me pay back my student loans. The promise was I would pay a reduced amount for 10 years, then the remaining balance would be wiped away. I researched the company, talked to representatives from the company, and checked with the XXXX  XXXX XXXX   ( which gave Ameritech a good review ). This deal was similar to something other companies were also offering. I started paying the {$100.00} per month in XXXX of XXXX. I continued to pay it all throughout XXXX ( 12 months ), and noticed that in XXXX of XXXX, the payment did not automatically come out of my checking account, as the previous payments had. When I checked with XXXX XXXX ( the Department of Education organization that my loans were originally with ), they informed me that I hadnt made a payment in over a year, and that I was on a XXXX payment repayment plan. I had not made those arrangement with XXXX XXXX, and my username and password no longer worked. My guess, with the help of the agent from XXXX XXXX, was that I had been duped, and Ameritech had something to do with my login information changing and my XXXX repayment being set up with XXXX. The agent from XXXX XXXX recommended that a file a complaint through the Federal Trade Commission. I did that, with no result, just a sorry, but decided to call them anyway. They recommended I file a complaint at consumerfinance.gov., hence this complaint. In the meantime, I did a little more research on Ameritech Financial, and saw many stories in the news how Ameritech took money from many people hoping to help pay off their student loans. 

I will be attaching an email I received from the Federal Trade Commission in regards to legal action against Ameritech and what I can do. 

I am hoping that this letter is the first step in recovering the money that I thought was going towards my student loan, but was in fact lining the pocket of some crook. 

Thanks in advance, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX

Company response to consumer: Untimely response
Consumer complaint received 2018-04-11
Company: EQUIFAX, INC.
State: TX
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 XXXX for XXXX XXXX  is alleging a line of credit for XXXX dollars. The contract does not bear my signature and contains incorrect banking iformation. It is an unauthorised loan that was created to scam me after paying a payday loan

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
i have a account from XXXX XXXX XXXX  XXXX account number XXXX its reporting on my credit report on XXXX  as open account, but how can this account be open if the account is charged off and also this account not even mine. please have XXXX XXXX  double check my ss number is XXXX i know there are other XXXX XXXX in my town and maybe the name got crossed. i think this is a major problem that is hurting my credit, and i think XXXX XXXX  should delete this account from my credit report and make this right.

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 2023-05-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received an alert from a credit report monitoring service. I contacted the company and they notified me that an inquiry had been made on my credit report. Further review determined that a business credit card was opened up with Capital One Bank for an address in Michigan. I did not open a business credit card account in Michigan. I contacted Capital One and had account closed due to fraud and they have submitted case to their fraud department. Making this report to complete process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-11
Company: CL Holdings LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The collection agency for XXXX is XXXX XXXX XXXX. XXXX does business by sending catalogs to peoples home that is linked to people Old account I had call them to tell them stop sending catalogs I am not I tersted. Recently they send me a bill I call them to tell them I did not make any purchases they keep insisting that I did. I use to buy their products 35 years ago and I paid back all the money I owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-26
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I provided all of the necessary information to Experian via their website and the website said they can not place a credit freeze on my account at this time and I have to send all my information by snail mail. I would guess I freeze and unfreeze my credit once a year on average and Experian always says they can not do it online. What's interesting is that I never have any problem freezing and unfreezing my credit with XXXX or XXXX. Also, neither XXXX nor XXXX is as aggressive about selling identity theft protection as 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 non-monetary relief
Consumer complaint received 2023-01-11
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened a Private Client Account with JP Morgan Bank in XXXX, NY XXXX in XX/XX/XXXX it's been a Private Client account until XX/XX/XXXX when I closed the account for denying me the {$2000.00} Bonus for opening the account. I contacted XXXX XXXX XXXX XXXX XXXX and XXXX XXXX Member of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, NY XXXX after trying to resolve the issue with JP Morgan Chase Bank in XXXX, NY XXXX branch # XXXX. I have bank account receipts from XX/XX/XXXX thru XX/XX/XXXX describing the type of account ( XXXX XXXX ) I have at Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: MD
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:
Rash Curtis and Associates are reporting that I owe {$530.00}. The account was opened on XX/XX/XXXX. Initially, there were three separate accounts that Rash Curtis was reporting that I owed. I submitted a Dispute on XX/XX/XXXX. Which resulted in them removing two of the three accounts but they are still reporting that one account is accurate. This account is inaccurate and I would like it removed from account as soon as possible. I believe Rash Curtis is reporting on behalf of XXXX XXXX in XXXX, CA. If I were ever a patient there, I would have had valid health insurance. I believe theyre are trying to double collect on a bill and it is unjust.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I have a mortgage with XXXX XXXX that has been open since 2003. The account is in my name, XXXX XXXX, and XXXX XXXX 's name. XXXX recently filed bankruptcy. The XXXX account was not included in his bankruptcy. I did not file bankruptcy and never have. XXXX XXXX has since started reporting to the credit bureaus that the account was closed and paid off. It was not closed and has not been paid off. XXXX has stated in numerous phone calls that I am still responsible for the monthly mortgage which I have still paid each month even though its not reporting on my credit. I was in the process of refinancing and now can not do that because they have showed this closed on my credit reports. I have tried disputing it with the credit bureaus and am not getting any resolution that way. I have had numerous phone calls with multiple people at XXXX and they will not resolve this. I have documents that they send each month for me to pay and proof that I have continued to pay each month. I just need XXXX to report to the credit agencies that this is still an open account for me, that it has a balance due, and that I have continued to pay it each month on time.

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 2019-08-28
Company: Experian Information Solutions Inc.
State: NC
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:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2019-10-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I don't recognize this account, i don't have any agreements with this company, i never sign anything.

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 2020-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Problem with Trans Union for allowing incorrect information to show on my credit report. According to FCRA section 609, when the consumer disputes an item and request for the original contract with my signature to be produced to me to prove the ownership of this fraudulent accounts. They have 30 days to produce and they do not produce contract with signatures, but allow these accounts to stay on my report. I have written and disputed this produce and no correction has happened. 
1 ) XXXX XXXX  original creditor XXXX XXXX  2 ) XXXX XXXX  original creditor XXXX XXXX 3 ) XXXX XXXX  original creditor XXXX  XXXX I have not done any business with these companies. 
Thus I am requesting an original contract with my signature and date. If they can provide it these three accounts must be deleted.

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 2021-08-12
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX, in the process of applying for a mortgage refinance with XXXX XXXX XXXX XXXX, the mortgage processor asked Suntrust for a document called a " Subordination Letter. '' As of today, XX/XX/XXXX, Suntrust has not complied. 

Mortgage processor from XXXX XXXX calls Suntrust weekly to find out the status of the document and is told " we are working on it. '' I went to local Suntrust branch where I do my banking ( since XXXX  ) to ask them to find out what was happening. I was told this is just " how we do business. '' This delay hurts me enormously. And I might add, when I applied for a Home Equity Line of credit last year, it took over 5 months to close. My credit score is well over 800.

When I complained to Suntrust, I received a call from a lady at their corporate offices who admitted the HELOC should only have taken 30 days to close.

This is so wrong. I am a longtime customer of Suntrust but this doesn't seem to matter.

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 2019-03-05
Company: LoanCare, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2018, I received a letter from Loancare stating an escrow refund check in the amount of {$720.00} was issued but never cashed. The letter asked that I confirm that the original check was lost or never received to receive a replacement. On XX/XX/2018 I signed and emailed a pdf scan of the letter to Loancare for processing. After several follow ups over the past year, I have not received my replacement check.

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 2019-02-22
Company: PNC Bank N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
I ALWAYS KEEP RECEIVING THESE BELOW EMAIL. LOOKS LIKE THIS EMAIL IS EITHER COMING FROM XXXX OR XXXX OR SOME OTHER FOREIGN COUNTRY, I AM NOT SURE, I AM GUESSING IT IS FROM FOREIGN COUNTRY BASED ON THE FORMAT OF THE EMAIL ADDRESS. PLEASE LOOK AT THE FORMAT OF THIS SENDERS EMAIL ADDRESS. PLEASE DO SOME RESEARCH AND INVESTIGATION AND TAKE THE FRAUDS INTO YOUR CUSTODY SO THAT THEY DON'T MISLEAD INNOCENT VICTIMS. THANKS. 

THIS IS THE EMAIL I RECEIVED WITH SOME ATTACHMENT, I DIDN'T OPEN THE ATTACHMENT : - ________________________________________ From : XXXX XXXX XXXX Sent : Thursday, XX/XX/2019 XXXX XXXX To : XXXX XXXX Subject : RELEASE OF FUNDS REF : DIRECTIVES ON FUND RELEASE Dear Sir, My name is XXXX XXXX, Chief Financial officer at the PNC XXXX services group.I am writing to bring to your notice that we have received instructions from the Bureau of Fiscal Service 's United State Treasury to process the transfer of your funds to you. 

Consequently, to enable us commence further processing of your transfer you are required to fill the attached Funds Processing FORM " M '' and send back to me for further action.The form should be legibly filled in your hand writing and returned back by attachment.You are also to forward a copy of your Identification, which could be either your drivers license or International Passport. 

Upon the receipt of the attachment you shall be advised further.Please, quote Security Ref : XXXX as subject of your email to me. I may also be reached on XXXX Regards XXXX XXXX Chief Financial Officer PNC  Financial Services Group XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Midland Funding LLC was awarded a judgement against me ( XXXX County Court/NJ Docket # XXXX ). The judgement was from a debt back in XX/XX/XXXX, I satisfied this debt in accordance with said judgement in XX/XX/XXXX. I moved shortly thereafter and the address on file ( XXXX XXXX XXXX XXXX NJ ) was outdated. There was no mail correspondence forwarded to my new primary residence ( XXXX XXXX XXXX XXXX XXXX, NJ XXXX ) so I never received the documentation ( Warrant of Release ) required by law in order to file with the court to have this judgment reflect " satisfied/closed ''. I am in the process of getting final approval for a mortgage and need to correct the status of the judgement in question with the court prior to closing. I have reached out multiple times to Midland Funding LLC and have received varying answers from " they show it was mailed '', " they do not provide copies '', " in my state they don't file the warrant with the court that the debtor has to '', and " they did what they had to do with the court ''. The last one is inaccurate because my last call was to the actual court and they informed me Midland Funding did not in fact file any warrant with the court in regards to the judgement being satisfied. I find it extremely unprofessional that nobody is on the same page and can not provide proper guidance and required documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: EQUIFAX, 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:
I have disputed this outdated information several times. They remove it and then wait and add it back with a later date. The loans are from 2003. IRS has garnished taxes to pay balances yet they are still being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: Pendrick Capital Partners Holding, LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I got an alert on from my XXXX  Credit Bureau stating that there was an account that went into collection on XX/XX/2019 {$450.00}. I reviewed my credit report and seen that it was XXXX XXXX XXXX I sent a Validation letter certified mail on XX/XX/2019. Debt Validation Letter was received via Certified Mail on XX/XX/2019. On XX/XX/2019 and XX/XX/2019, I received 2 more  notifications from XXXX  that XXXX XXXX XXXX has flagged my account as Collections. On XX/XX/2019 I received a letter from XXXX XXXX XXXX which was a bill and not validation. XXXX XXXX XXXX has not sent me anything validating the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: EQUIFAX, INC.
State: WI
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 XXXX said they verified the bankruptcy through the courts. The courts do not verify any information with any credit agencies or third parties. 

I sent them a letter from the courts that proved this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Tower Loan of Mississippi, Inc.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
They are harassing me constantly. They call me every single day, multiple times a day. I have a lot of stress in my life and I know that I owed a loan to them but they do not get to harass me or people I put down as a reference, it is against the law. They continued to call and harass me even after I had spoken with them. Someone needs to do something about this company harassing people. Because it is not okay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: Experian Information Solutions Inc.
State: LA
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:
On XX/XX/2020 I submitted Disputes for unknown and inaccurate accounts on my credit report. I was a victim of XXXX Data Breach. I want to Delete all the unknown and inaccurate accounts or I will file a litigation.

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 2023-05-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Select Portfolio Serving - This lender increased my escrow {$1900.00} then sent me a letter stating my taxes went up. That is not true. I cant afford this type of increase. This lender is doing unethical things and lying to its customers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
USAA website and App are missing a transfer credit in my checking account. The transfer is shown on my XX/XX/2018 bank statement. A USAA phone rep and an Executive Resolutions rep have verified the discrepancy but have not been able to help me. 
Identifying discrepancies is difficult because USAA has just started identifying the origin of certain transfers but only on statements. USAA does not keep accurate online records for consumer accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: ALLY FINANCIAL INC.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Sometime during the late XXXX 's or early XXXX 's, I co-signed with an individual to purchase a vehicle in XXXX, SC. The vehicle was later repossessed and sold at auction. I have recently found that GMAC has recorded a judgment against me without a court hearing. A judgment can only be issued by a judge after a court hearing. How were they able to do this?

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