BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-10
Company: EQUIFAX, INC.
State: PA
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:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX XXXXXXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have had my mortgage with Ditech for many years, dating back to when they were Green Tree ( I believe that was their previous name ). I went through a divorce that was very difficult both emotionally and financially. The result was that I missed a few payments but was working with the team at Ditech to help me keep my home. At least that is what I thought. I worked with multiple representatives in the process and called frequently. I was asked to submit documentation that included, but not limited, to my divorce papers, my taxes, my employment, a letter of hardship, three months of bank statements, and the bills I inherited from my divorce ( alimony/child support/house valuation/etc. ). I faxed over a package and called them back to ensure they had received it and they confirmed they had but wanted some documents uploaded onto their website which I complied. I informed Dirtech that I could begin payments again on XXXX the XXXX and they assured me that they would work with me to keep my home and that there were multiple options they would work with me on. I called, as promised, on XXXX XXXX to begin making my mortgage payments again ( while the review I assumed was still going on ) and I was informed that Ditech no longer had my loan and that they had turned it over to a firm called XXXX. They said they had mailed me a letter but they did not and my history proves that every time I received something from them I called right away. I kept an open line of communication but I feel like Ditech lied and deceived me the whole time. This has caused me tremendous grief and disappointment. I was never informed of Ditech 's disposition of my request for relief and just the opposite, was continually told by multiple representatives XXXX XXXX, XXXX, XXXX, and XXXX to name a few ) that they would sincerely help. I am in a position now where I can begin payments but the new company is still counting my last payment for XXXX versus working with me on a new plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My accounts at Chase bank have had a legal hold placed on them. 2 accounts which are my adult childrens accounts. They are linked to mine. I accept that this happened. I immediately contacted what placed the hold and worked out a solution. On XX/XX/XXXX Chase was notified this hold could be released. I was told it would take 2-3 business days. Today is the XXXX and again I was told it will take 2-3 business days. In the mean time I have had auto payments returned due to insuffient funds which they are charging me for. They have taken XXXX from my daughters account which had left her with a XXXX balance. Money has been taken from my sons account. I cant get a straight answer as to where this money is going. Its like they are keeping my accounts on hold as long as they can so they can keep collecting fees. I cant even begin to get it all straightened out until the accounts are taken off the hold. This was even told to me by a chase bank representative yesterday. I have been in a terrible financial bind and it is only getting worse the longer this drags out. 
I have spoken to Chase Bank representatives nearly every single day since XXXX XXXX XXXX and get the same 2-3 day response. I am to the point where I will not even be able to go to work next week. As it stands my pay check will go into my account tomorrow but I wont have any access to my money

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
AMENDED CONSUMER COMPLAINT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX NV XXXX just mail me a copy of my credit report snapshot which i did not requested i have mailed certify latter that they violate federal Law releasing my credit report with out my consent they need to pay the damages described by federal code regulation sharing my credit file with 3 parity for profit with my aware about with out my consent with out my signature it is absolutely a violation of federal statue i lost my credit score i lost my job i have additional hard inquires in my credit file which drop my score from XXXX to XXXX. i want CFPB to admit my complaint on my behalf in federal court in Washington and let the court make decision on it. thank you.my credit report was requested by XXXX county State of Nevada with out my consent Family support Services Division took loan on my behalf under my social security with my consent with my knowledge with out my signature it is Fraud by county and State of Nevada it is punished able by federal law i was those people held accountable for wrong doing by checking my credit with telling me with my consent i there making threat against my false arrest to put me in jail they where sending me lattes to revoke/ cancelled my driver license which i need to drive to go religion places for my religious pick up my kids from school i have to pay them because they where threatening to revoke my lic i did not have food in my house to feed my kids because i lost my job because of this problem i did not have job i have no paycheck because i am XXXX person my XXXX on appeal that loan they took on my name need to e removed that loan account status should be removed from my credit file and status should be paid in full or never happen. 


XXXX XXXX. 

Regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of Identity theft and breach of information. The information that appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft and breach of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 am a victim of identity theft and breach of information. This information which appears on my credit report, does not relate to any transactions that I have made. It is a result of identity theft and breach of information.

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 2019-09-24
Company: Ad Astra Recovery Services Inc
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
AD ASTRA representing XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debts. When I requested by law that they send me identifying documents to show that I owe this debt such as ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/2014 amt {$310.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: EQUIFAX, INC.
State: GA
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:
According to the FRCA it is a violation to report monthly payment and payments on a closed account. Equifax refused to remove the accounts from my credit report. I have dispute letter and factual documentation. I have requested Equifax to remove the accounts. 

XX/XX/2019- Dispute letter and copy of credit report sent out to Equifax . 

XX/XX/2019- Dispute letter and copy of the credit report sent to Equifax . 

XX/XX/2019- I have sent out a copy of the credit report and dispute letter

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: CAINE & WEINER COMPANY, INC.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN - I HAVE BEEN TRYING TO RESOLVE A DEBT SHOWING ON MY CREDIT REPORT FROM CAINE AND WEINER. I HAVE SENT A CERTIFIED DEBT VALIDATION LETTER ON XXXX WITH NO RESPONSE FROM THE COMPANY. I HAVE DISPUTED THIS NUMEROUS TIMES IN THE PAST. I AM REQUESTING YOUR SUPPORT IN GETTING THIS ITEM REMOVED FROM MY CREDIT REPORT PER THE FCRA. THANK YOU IN ADVANCED FOR YOUR ATTENTION IN THIS MATTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: AFNI INC.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I do not owe {$610.00} to XXXX and AFNI , INC which I immediately disputed with XXXX! AFNI , INC is buying Bogus collection accounts to hurt consumers, it dropped my XXXX credit by XXXX points! I need this to be removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: AR Resources, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Had a emergency hospital visit XX/XX/2022. I WAS covered by insurance. The hospital did not charge the insurance agency and instead charged me directly. I had no idea about this debt until it appeared on my credit report. The company A R Resources NEVER contacted me notifying me of the debt. They also reported the date of first Delinquency is the day I was RECEIVING TREATMENT inside the hospital not 30 days late. This collection in itself is fraudulent. Please remove this. Seeking possible litigation if not resolved. XXXX has yet to look into this erroneous information which is a defemation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have filed now two ( 2 ) complaints against the Bank of America in addition to my other requests for lowering my monthly payments to no avail!

How long does this one of the largest and wealthiest banks in the entire world need to take to come to a decision to help me as the novel coronavirus pandemic has changed everything for my beloved wife and me : we can not because we are in THE HIGH RISK CATEGORY work anymore! 

YET cruelly and brutally the Bank of America is dawdling with an answer if even they shall provide one. 

Meantime my car loan payments are overdue and the Bank of America continues to bill me for them AND for late payment fees and other penalties, including reporting me as in some XXXX  XXXX or XXXX or XXXX intelligence agency to credit rating agencies!

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 2021-05-10
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I became behind on my XXXX account in XXXX/XXXX  of 2020 - I now know that I what I thought was the XXXX  was really XXXX  spreading to myself and my daughter. At the time I worked part-time and therefore my hours were reduced and I could not pay my account. 
XXXX and I came to an arrangement after I saw an email on XX/XX/XXXX that they were helping people through the health/economic crisis. 

After speaking with the representative, I agreed to make a payment only IF they would fix the late payments now reflected on my credit report. She agreed and I made a payment of {$320.00} - which was much higher than my normal {$70.00} payment and took a great deal of balancing on my part with regards to bills. I ONLY agreed because they would report positive payments on my credit report. 

I discovered a year later that in fact they did NOT fix my credit report as agreed. And guess what - if I don't pay it really doesn't matter because my credit is screwed now and if I close the account my credit is XXXX  .... notice how that works? These companies have our heads in a vice. 

So now after writing them the following, with a response on XXXX that says in fact the credit report is correct and they will not accept my dispute, I need you all to intervene. 

To Comenity : " I made an arrangement to get caught up last XXXX ( 2020 ) because I not only contracted XXXX ( before they really knew it was XXXX  ) but also got reduced hours due to XXXX. I held up my end of the agreement by making the payment ( s ) but you STILL reported this to the credit bureaus as delinquent. I have called TWICE to get this fixed. What is the point of me paying you ANYTHING since this delinquent report is completely dragging score down!?!?! You've send me countless emails about support and making payment arrangements, but then you still punish people. That isn't support. 

Please fix this as per our arrangement and clear this " delinquency '' from my credit report. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have written to Specialized Loan Services, LLC to obtain documents associated with my refi loan. As I understand it, when loans are transferred from one lender to the next, all of the documentation goes to the 'new ' lender. 

As such, I would like to obtain copies of the following documents : 1. all of the originating loan docs from my refi with XXXX 2. the payoff disclosure statement from XXXX, stating the exact payoff amount remaining from the previous loan - this money was folding into my refi 3. a  copy of the cancelled check and or electronic payment showing payoff of the remaining balance for the XXXX loan Please provide me with this information. Thanks.

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 2022-03-10
Company: Experian Information Solutions Inc.
State: NV
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:
In accordance with the Fair Credit Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DEPARTMENT OF ED/XXXX, ACCT # XXXX DEPARTMENT OF ED/XXXX, ACCT # XXXX DEPARTMENT OF ED/XXXX, ACCT # XXXX XXXX DEPARTMENT OF EDUCATION, ACCT XXXX XXXX XXXX DEPARTMENT OF EDUCATION, ACCT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ACCT # XXXX has violated my rights.

15 U.S.C. 1681 section 602 A. states I have a right to privacy.

15 U.S.C. 1681 section 602 section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I made a cash deposit of {$150.00} to my bofa checking account thru an atm at the XXXX XXXX location on XX/XX/21 it went thru money showed posted on account. On XX/XX/21 my {$150.00} deposit had a reversal of {$150.00} and over drafted my account. No call or letter was ever given to me I called aswell and was told I couldnt dispute it.

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 2022-03-10
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I got a amazon reward visa credit card from one of their promotion. That card belongs to chase bank. According to Chase bank 's instructions I installed chase mobile app and setup my credit card. I've set alerts about payment due date. But the app never sends payment due notifications or any form of bills. I never get any chase billing in my mailing address. Ever since I have this credit card I have to login every time to check for a due payment and need to make that payment. Not getting any bills or notifications makes keeping track of due payments so hard.

The inconvenience is, Chase is charging the Late fee on my account. Instead of correcting errors on their
end, like sending alerts, and/or sending bill on my address they are forcing me to pay the late fee.

On my behalf, I confirm that, I've a very good credit history. I've always paid all my purchase payments timely manner with all my credit card providers. I do NOT have any outstanding balance with chase either. The only amount hanging in my account is the late fee which has been generated by only their system error.

Legally, I must not held accountable for Chase 's erroneous and inconvenient alert and billing services. I request for a resolution of this issue, that is, taking off the incorrect late fee from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: Merchants' Credit Guide Company
State: KY
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 have a collection account on my credit reports from Merchant 's Credit Guide for a some kind of medical collection from a radiology place. I have no idea what this is and I have attempted disputing this with the credit bureaus and have not had any success in getting this resolved. This needs to be removed from my credit reports. This does not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Thank you for once again responding with the same canned and deficient response complaint. You can contact me formally through email or address that was provided repeatedly. I will not however placate Wells Fargo with their canned phone messaging just so they can check their box for compliance auditing purposes. I'm happy to continue to use this form to communicate Wells Fargo 's continued predatory lending atrocities. I've clearly stated my terms of formal communication within my resolution statement, should you care to read it. I'll also break down the bone of contention for the cheap seats way up in the rafters. The so called 'Modification '' that Wells Fargo proposed was the same predatory XXXX loan that was outlawed by our judicial system steaming from the class action suit, which is why part of your multi-million settlement agreement was to review your Customers XXXX  loans and modify them so that they were no longer toxic and detrimental. In my case specifically Wells Fargo used the same XXXX adjustable rate terms and agreements, removed interest only payment options and slapped all the payment owed to date onto the back of the loan. Essentially all you did is remove interest only payment options and called it a modified loan. No real help other than to pony up 20k and try it again. As the saying goes XXXX me once shame on you XXXX me twice shame on me. I suggest you take real good look at what presented as keep your home modification and compare it to other step-down modifications from other premier lenders and then ask yourself did we really handle this in the best interests of all ... Let me help you, the answer is not even close. Your failed me, you failed millions of others I'm sure and most of all you've failed the brand name of Wells Fargo. I look forward to our next go-around : )

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