BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-03
Company: Gitsit Solutions, LLC.
State: IL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was notified that a debt that was incurred for personal family and household use- which i recently found out is an already prepaid item - had been charged off thus the company had been paid. I began received notices from XXXX companies stating that I owed them a debt - HOW DID THEY GET MY INFORMATION i never contracted with them, I never provided my information to them, I never gave my express permission for them to have my information. However, acting in honor, i requested information to prove the claim that i owed them anything and to prove that there had even been full disclosure and a meeting of the minds to create a contract - after 30 days of non response i sent them a cease and desist letter with a second opportunity for them to provide the info- they not only IGNORED MY REQUEST FOR INFORMATION but notified me that their response to my cease and desist notice was being sent through the United States Postal Service. Upon receipt of their certified mail response, it contained a threat - " notice of default and intent to accelerate and foreclose '' and " a notice of right to cure '' and were both manipulative and threatening and violates my rights under the consumer protection laws and violates Regulation Z. My affidavit and notice to cease and desist and request for debt validation and information request were never even addressed and no information was provided by them to prove their claim. They appear to be attempting to retaliate against me by asking them to abide by the law. They are trying to manipulate with to enter into a contract with them by manipulation and threats. I even went as far as to inform them that just in case this debt for personal household and family use were proven to be valid, I told them that all payments were being held in an escrow account so that they would know that I was acting in honor. They are still trying to contract with me even after i informed that I do not consent and rescind any known or unknown contracts that were not fully disclosed and agreed upon that may have been mistakenly or inadvertently established between us.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: Weber & Olcese, PLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
At this point I feel like the company is just harassing me they continued to request the same information over and over again I provide the information every time I don't honestly know what the company hopes to accomplish by doing this I complied with every request but it's getting a little tiresome my checking the bank account information is not going to change from month to month requesting the information each month in my opinion is just turning into harassment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: JPMORGAN CHASE & CO.
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I closed my account with Chase one year ago because I live overseas. I was a Chase customer for 20 years. I asked for wire transfer to another XXXXXXXX XXXX  account. Instead, Chase sent a check to my mother. My mother sent me the check and I endorsed it. Then I sent the check to my new bank in the US, but this bank only accepts wire transfers and the check was destroyed. Then I asked Chase for a new check. That was 6 months ago. Then Chase sent me forms to be notarized which I sent back. I called Chase 2 weeks ago and they said they need to investigate my identity and needed to call me back. I gave them my phone number and never got a call back. I called back today and no case officer had been assigned to me. I have been waiting for one whole year for my funds. I am shocked that Chase would settle accounts using a risky method like a paper check. Chase has made no effort to reach out to me. Even if I get a check, it will take me weeks to get it into another account. 

Account : XXXX XXXX Amount : USD XXXX Case Number XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have had an american express card for 28 years, about 2 years ago there was fraud on the card and American Express closed the account and issued an new account number. At the time of the fraud I spoke with American Express and stated that no subscriptions should be carried over to the new card. However for the past two years, charges for XXXX XXXX  were charged to the cancelled card and transferred to the new card despite my express instructions at the time of the fraud that no subscriptions would be transferred to the new card. During the interim I contacted XXXX but they had my boyfriends information linked to the cancelled card number so I was unable to verify the information. I would like the charges to be reversed as they did not have my permission to charge on the new account with the old account number.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Transunion refuses to fix an error with an account discharged in bankruptcy. The creditor is XXXX XXXX XXXX. The discharged debt is reported as an OPEN account on my credit report. As a result the discharged debt shows as an ACTIVE DELINQUENT account on my credit report. This is violation of the FCRA and federal bankruptcy laws. Transunion has also suspended my access to the dispute center so I can not add a note to the credit report explaining why it is inaccurate or open a new dispute with them. Customer service does not fix my access to the dispute center. I have access to all other Transunion account features ...

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 2019-06-20
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted the original lease company about the debt and found that my social was NOT on the contract. I am a XXXX and the XXXX has the debt. The collection company found my social ( without the lease company the debt is from ) and has been contacting me for the money. I contacted them to express it is not mine, and they insist that I must jump through hoops to get my social removed including an identify theft report that is not necessary because my social was NEVER used for the lease. I contacted the original company to confirm that my social was still not associated with this debt, and they again confirmed and forwarded to the debt company that it is not me. They have contacted me again and will not correct THEIR mistake and illegal look up of my social and credit scores. ( The woman from the debt agency told me that she had every right to look up my credit score without my consent after illegally obtaining my social security number )

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 2019-06-20
Company: EQUIFAX, 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 4 incorrect things on my credit report. I have 1 collection from XXXX  XXXX  and one charge off from XXXX XXXX. This is against my rights. I shouldn't have several accounts from the same source. I disputed XXXX for XXXX on my account because balance is extremely high and was told balance was correct but no proof of what what being charged to me was shown to me. I had an account with XXXX and financed a phone for XXXX, plan was month to month no early termination fee and no finance fees. Why am I being charged over XXXX dollars? I have a negative charged off account for XXXX from XXXX They are reporting balances and past due incorrectly. I want all 3 negatives removed including the extra negative report from XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: Everi Payments Inc.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Went to 2 casinos. XXXX XXXX and XXXX XXXX. used ATM to remove cash. During the use of the ATM my husband and myself selected checking account to withdraw {$200.00} and during the transaction at the end said this ATM charges a {$4.00} fee do you want to continue. Clicked yes. Then when the charge shows up at the bank they removed the {$200.00} plus the {$4.00} but they also removed {$2.00} for our checking and savings accounts saying that I requested a balance inquiry. This is a pattern for this company and it is fraud on a grand scale. I am looking for and attorney to see about starting a class action law suit. This company is making millions off this scam and say it is in the computer programming of the ATM. The Casinos are aware of it also and do noting to stop it. Pass time the government look into the business dealing on this company ' Saving account : XX/XX/2019 INQ XXXX XXXX Ac XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX/Withdrawal Foreign ATM Fee - {$2.00} {$18.00} XX/XX/2019 INQ XXXX XXXX Ac XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX/Withdrawal Foreign ATM Fee - {$2.00} {$21.00} XX/XX/2019 INQ XXXX XXXX Ac XXXX XXXX XXXX XXXX XXXX MI Card XXXX/Withdrawal Foreign ATM Fee - {$2.00} {$23.00} XX/XX/2019 INQ XXXX XXXX Ac XXXX XXXX XXXX XXXX MI Card XXXX/Withdrawal Foreign ATM Fee - {$2.00} Checking account : XX/XX/2019 Global Cash Ac XXXX XXXX XXXX XXXX XXXX MI Card XXXXWithdrawal at ATM # XXXX - {$200.00} {$5800.00} XX/XX/2019 INQ XXXX XXXX Ac XXXX XXXX XXXX XXXX XXXX MI XXXX XXXXWithdrawal Foreign ATM Fee - {$2.00} {$6000.00} XX/XX/2019 XXXX XXXX  Ac XXXX XXXX XXXX XXXX XXXX MI Card XXXX/Withdrawal Foreign ATM Fee - {$2.00} {$6000.00} XX/XX/2019 XXXX XXXX Ac XXXX XXXX XXXX XXXX XXXX MI XXXX XXXXWithdrawal at ATM # XXXX - {$100.00} {$6000.00} XX/XX/2019 INQ XXXX XXXX Ac XXXX XXXX XXXX XXXX XXXX MI Card XXXX/Withdrawal Foreign ATM Fee - {$2.00} {$6100.00} XX/XX/2019 XXXX XXXX Ac XXXX XXXX XXXX XXXX XXXX MI Card XXXX/Withdrawal Foreign ATM Fee - {$2.00} {$6100.00} XX/XX/2019 XXXX XXXX Ac XXXX XXXX XXXX XXXX XXXX MI Card XXXX/Withdrawal at ATM # XXXX - {$100.00} {$6100.00} XX/XX/2019 INQ XXXX XXXX Ac XXXX XXXX XXXX XXXX XXXX MI Card XXXX/Withdrawal Foreign ATM Fee - {$2.00} {$6200.00} XX/XX/2019 XXXX XXXX Ac XXXX XXXX XXXX XXXX MI Card XXXX/Withdrawal Foreign ATM Fee - {$2.00} {$5400.00} XX/XX/2019 XXXX XXXX Ac XXXX XXXX XXXX XXXX MI Card XXXX/Withdrawal at ATM # XXXX - {$100.00} {$5400.00} XX/XX/2019 INQ XXXX XXXX Ac XXXX XXXX XXXX XXXX MI Card XXXX/Withdrawal Foreign ATM Fee - {$2.00} {$5500.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I have a loan modification with XXXX XXXX XXXX loan # XXXX effective XXXX XXXX, XXXX that I have been paying on for 5 years. My loan had been at the same interest rate and same payment for all these years and provides for an interest rate adjustment as of XXXX XXXX, XXXX. At that time, my payments which had been {$1400.00} were supposed to change to {$1400.00}. The breakdown for this payment is listed on the BAC statement date XXXX/XXXX/XXXX as follows : Principal and/or interest {$1100.00} Escrow payment : Tax {$310.00} Insurance {$54.00} Optional Products {$0.00} Buydown assistance {$0.00} This information was sent to me in writing from XXXX XXXX XXXX and is attached. 

I was notified this month that the loan servicing was being transferred to XXXX XXXX Processing with the new loan number XXXX. They called me today and told me that my new loan payment effective XXXX XXXX, would be {$1500.00}, an increase of almost {$100.00} for no reason. I told them this was the wrong amount, and they refused to acknowledge the last payment calculated by XXXX XXXX XXXX and change the amount to the proper payment.. Instead they tried to convince me that because of the interest rate change, the payment had gone up.. I tried to explain to them that the {$1400.00} reflected the interest rate change they were referring to but they refused to hear me. 

I called XXXX today and they told me that XXXX does not even have all the information about my account sent over yet and they should NOT be calling me with new payment information XXXX XXXX tells me this is done to try to exact higher payments from customers in advance of getting the information, which is illegal.! I belive that XXXX is acting fraudulently in trying to advise me that my payment amount is greater than it should be and they should be sanctioned. 

Nothing about my loan or escrow has changed since the XXXX XXXX escrow analysis. The loan payment calculated by XXXX for the loan modification I signed a contract with them for should be the payment amount due. 

I would appreciate any help in resolving this issue. Meanwhile I will make my payment of {$1400.00} to XXXX processing and I want them to mark it as CURRENT and PAID IN FULL until this is resolved and they properly update their files.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: EQUIFAX, INC.
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:
Equifax is violating the Federal Credit reporting Act. Even on its own website it is clearly written that : << a charged-off account will remain on credit reports up to SEVEN YEARS FROM THE DATE OF THE FIRST MISSED OR LATE PAYMENT on the charged-off account. >> I have attached a screenshot of Equifax website where you can clearly see the statement above. 

Equifax is not following what is written on its own website and in the meantime is also violating the FCRA. Indeed, there is a charged-off account ( XXXX XXXX XXXXXXXX XXXX ) that has been on my credit report for more than 7 years from the date of first missed payment. It happened in XX/XX/XXXX. I have the letter XXXX XXXX  XXXX sent me to notify me that my account is past due. Like I said, it started in XX/XX/XXXX and I have a letter from XXXX XXXX XXXXXXXX to prove it. I have attached it on here for your reference. 
From XX/XX/XXXX to XX/XX/XXXX its 7 years and 2 months! 

Equifax, this is a formal notice that I am sending you. Remove immediately XXXX XXXX XXXX from my credit report!! 

I will use today 's letter against you in court to prove that you deliberately refused to remove this account even after notifying you that this account is in violation of the FCRA!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: Venture Financial Services, Inc.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX 's began billing me for a debt that was not my financial responsibility in the amount of {$650.00} in XX/XX/XXXX( 5 months after the XX/XX/XXXX XXXX ). I immediately sent them a written response letting them know it was from a corrective XXXX XXXX  due to a XXXX XXXX and the doctor was financially responsible, and that I never signed anything stating I would be financially responsible for it. I never heard from them again.
Then in XX/XX/XXXX, Venture Financial Services , Inc at XXXX XXXX XXXX, XXXX, MO XXXX, XXXX sent me a letter, which I immediately responded to letting them know it was not my debt and to send me original documentation where I signed stating it was. They never responded.
Then in the first week of XX/XX/XXXX, XXXX XXXX 's sent me a new letter, directly from them, as if they had never sent me one before, requesting my payment. I sent them another letter on XX/XX/XXXX restating the facts, reminding them of my previous letter to them and to Venture Financial Services, and requesting documentation. No reply from them again.
Today, I received another collection letter dated XX/XX/XXXX. This time it is again from the same Venture Financial Services , Inc in XXXX, MO with the same reference number from their XX/XX/XXXX letter ( which they ignored my response to and never provided original documentation. ) I have even spoken with XXXX XXXX 's office and the supervisor agrees it is the doctor 's responsibility to pay, not mine, but she does not have " authority '' to bill the doctor.
How can these people keep passing this account back-and-forth, requiring me to repeatedly send the same demand letter for original documentation, and ignoring me when I do, and not somehow be violating the Fair Debt Collection Practices Act?
Please help.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: SUNTRUST BANKS, INC.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
SunTrust Mortgage keeps using a robo call system to try and collect a debt for a person I do not know and they do not live at my address, I have called them, I have mailed a certified letter, copy of letter attached along with return receipt, and they are still calling with there robo system several times a day and will not stop.

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 2022-03-03
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
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/XXXX2022 I went to a Huntington branch in XXXXXXXX location at XXXX XXXX XXXX XXXX, XXXX, IL XXXX to make a deposit into my checking account. I provided the bank teller with 2 cashiers checks and my driver 's license- I was presented with a receipt with the deposited amount and the last 4 digits of an account number. The bank teller advised to give it 24 hours to utilize the funds. On XX/XX/XXXX 2022 I checked my account online and the deposit was not there. I received a phone call from a relative who also has the same mailing address asking about my deposit- he advised that the funds had been deposited into his account on XX/XX/XXXX22 in the same amount that I deposited. As of today, my funds have not been returned to my account and I am currently in the negative. Although when I spoke with the branch manager I was told the issue would be resolved within 2 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-11
Company: ALLY FINANCIAL INC.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on 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 explanation
Consumer complaint received 2022-03-03
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
received bogues checking account with checks from TD bank in mid XXXX after receiving a {$5.00} dollar check the day before that could only be cashed at TD bank. distroyed both checks and {$5.00} check and today recieved a statement showing activity onXXXX of {$5.00} amounts -- spoke with TD bank on XX/XX/2022 fraud dept said they were showing no activity and but up block on that day XX/XX/2022 Local Police report XXXX XXXXXXXX XXXX XXXX report # XXXX with many victims in this county

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-03
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX and may have got into the hands of the wrong person.

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