BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-11
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: Problem with personal statement of dispute

Complaint:
My credit report shows a negative collection/chargeoff from XXXX XXXX.This account has been closed since XX/XX/XXXX. The full balance was paid. XXXX XXXX still shows a negative account on my report. I disagree with this negative report from XXXX XXXXXXXX. 
This account was opened on XX/XX/XXXX and closed on XX/XX/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 explanation
Consumer complaint received 2019-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$22000.00}, {$4400.00}, {$9000.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$22000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4400.00} -This is not my account. 







3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -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 2019-10-03
Company: DISCOVER BANK
State: GA
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 requesting for Discover Bank to remove and delete fraudulent accounts from my XXXX, XXXX, and XXXX credit report immediately due to fraud as well as these fraudulent accounts from its system. I have sent Discover Bank Id Theft report as well as police report stating that these accounts are fraudulent. 

Discover Bank has violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: CURO Intermediate Holdings
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Was approved for a loan, but didn't receive money

Complaint:
On XX/XX/2019 I requested a loan from SpeedyCash Rapid Cash, LLC in the amount of {$680.00}. 

There was either the option to either pick up payment in store or the funds would be debited to the card that was on file, since I didnt make it to the store by the time given I called the ( XXXX ) number attached on the email to confirm the funds being transferred into my account, in which the rep did relay I will see the payment via direct deposit by the next morning. 

XX/XX/2019 I wake up at XXXX check my account and to my surprise I didnt see a deposit transaction, I thought that it maybe to early and took the representatives word I had spoken to the day before to heart and went about my business. 

At XXXX that same day I checked my account and still no payment, I called the number provided and spoke with a rep and I was told to wait three days before calling back in because in order for the funds to bounce back ( from wherever they were since payment wasnt recieved by me ) and then I could request the payment again. 

In all I have been going back and fourth with this company providing any proof I can to verify I didnt receive payment for a loan I am to this day being held accountable for. 

I have e-mails on my end making numerous attempts to verify any information and at the end of the day for the company to tell me Im responsible for the loan ( even though I didnt receive payment ) because they cant trace where the payment went so their acting as if I did receive funds. 

To me, its absurd that this company is perfectly fine with putting someone in a further financial strain and to be okay with {$680.00} dollars just disappearing ... Nobody knows where it went but I have to pay for it.. 




On the banking end, I online bank with XXXX. Ive also contacted this company in order to figure out where the funds went because when a ACH is initiated the my name and social security number is encrypted in order to verify the correct personal has received payment. 

I have gotten NO WHERE with this company regarding the matter and none of the representatives speak English well enough nor located within the states to understand the currency platform. 

Im incredibly frustrated and really just want this resolved in a fair manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: STATE FARM BANK, FSB
State: GA
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 recently reviewed my XXXX  credit report and I was totally shocked to find State Farm Bank has reported a fraudulent account on my credit report. I am requesting for State Farm Bank to delete and remove this account immediately from its system as well as my XXXX credit report or legal actions will be taken against your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/21 I attempted to use a ATM machine to withdraw {$500.00}. After entering pin and entering amount no money came out but an error message said because I took too long to remove the money it was was returned inside the machine ( but the money never came out ). But, the account was debited {$500.00}. This machine has a history of malfunctioning which Wells Fargo admits to. Knowing this Wells Fargo says, we have to wait up to 10 days for them to investigate. This is a hardship, we have bills to pay and we need our money now. 

Claim date : XX/XX/21 Claim number : XXXX Wells Fargo customer service number : XXXX ( XXXX ) XXXX Customer name : XXXX XXXX Contact number : ( XXXX ) XXXX. E-mail : XXXX 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 2019-10-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I was very sick in XXXX. I missed my payments from XX/XX/XXXX - XX/XX/XXXX. I would like these to be deleted from my credit history. I spoke with XXXX XXXX and they said they can make an exception because I have a good credit history besides this time of my life. I was unable to pay because of my sickness. I was in the XXXX. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-05
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have received a letter dated XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX. These attorneys are not licensed by the Louisiana state bar. The letter states that I should pay them {$5600.00} for a XXXX XXXX   account. Rausch Sturm said their client is XXXX XXXX and all payments should be given to rausch sturm. 

The account in question ending in XXXX was already disputed to XXXX. A dispute has been sent to Rausch sturm also. The dispute points are. 

The account was closed in XX/XX/XXXX due to non payment. This account is outside Louisiana statute of limitations for them to harass me to suit. 

XXXX and Rausch sturm both state that I owe a balance of {$5600.00}. I have a statement from XXXX and on my credit report stating the outstanding balance is {$5700.00} Also I have a letter dated XX/XX/XXXX stating this account was a loan. It is showing on XXXX  and rausch sturm that it is a credit card. 

Due to these many issues XXXX  and rausch sturm need to cease collecting efforts as well as delete the trade line for collection on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga. XXXX XXXX XX/XX/2019 To Whom it may concern, My name is XXXX XXXX XXXX, and this is my formal complaint on Ocwen Loan Servicing and PHH Mortgage Services, on their practices in Notice of servicing Transfer. I received the notice in the mail on about XX/XX/2019, notifying me that starting, XX/XX/2019 PHH would become the new servicer for my account : Loan number XXXX. 
For the last ten years Ocwen Loan Servicing, had paid my homeowners insurance policy to XXXX, policy number : XXXX XXXX XXXX. The policy was paid through an escrow account once a year. After the transfer of service on XX/XX/2019, I received a policy statement for the first-time in 10 years, noting that the notice was for non-payment of premium. A second notice statement followed on XX/XX/2019, for, {$360.00}, a third notice XX/XX/2019, {$730.00}. It was obvious that PHH Servicing was not paying my homeowners insurance, from the {$1400.00} each month. {$580.00}, was the amount that was deducted for the property taxes and hazard insurance that was scheduled to be placed in the escrow account. 
On about, XX/XX/2019, I called PHH Services, customer care center, trying to reach my relationship manager, XXXX XXXX. I was informed they where busy and to speak to the next available agent. I spoke to this agent about my homeowners insurance not being paid. I was told I would get a call back after my complaint was given to the research department. The phone call never came. After speaking to at least 10 customer care agents and explaining my issue to each and every one of them ( language was a bearer }, I became frustrated, but called another day around XX/XX/2019. This time I insisted on speaking to a supervisor. I spoke to a floor supervisor named Mr. XXXX ( agent # XXXX ), I was told my account did not have an escrow account attached to the loan. Mr. XXXX followed through and called me back within 24 hours. I was told that I was right, nothing was being paid and someone would get back to me for a final resolution. No one ever called but they sent a partial payment, but no explanation to why this was happening. I am now researching my property taxes to see if there is any debt outstanding. 
In the meantime I received a notice of termination for non-payment from XXXX, with a final outstanding balance of XXXX ( XXXX is demanding payment ). In order to protect my home and property I did established a new homeowners insurance policy through XXXX XXXX started on XX/XX/2019 and show PHH Mortgage Servicing as the lien holder. To add insult to injury I now have another mortgage servicing company called XXXX, started XX/XX/2019. 
Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was surprised to receive notice of my mortgage increase for the second time in eight months. I called Ditech about the reason for the increase and was not convinced about the explanations given. Ditech failed to hear my concern and what I had to say. Our loan is a fixed interest loan with monthly Escrow ( of property tax and insurance ) included. Since there was no significant increase in our county tax or property insurance, such increase can not be justified. 

To confirm my suspicion, I exported the information from Ditech Annual Escrow Account Disclosure, the yearly evaluation of the escrow statement at my online account at Ditech.com. When I looked at the numbers from XX/XX/XXXXuntilXX/XX/XXXXin a spreadsheet, I noticed the discrepancies which prove my point about Ditechs uncalled increase. Clearly, the increase of {$45.00} on XX/XX/XXXX, and again onXX/XX/XXXX for {$42.00} can not be justified according to Ditech 's own escrow calculations. 

I emailed Ditech with my findings but did not receive any explanations.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Numerous times i have disputed with the credit bureaus about these student loan accounts. They have failed everytime to provide me with proof of verification. They have not provided me with an answer well over the 30 days. US dept of education was reported to my credit report 3 times. Each 3 have different balance amounts. All 3 accounts say they were open XX/XX/2011. These accounts has been on my report for 10 years and 7 months. Everything about this situation is not right. These accounts has been on my credit report for over 10 years. This is a automatic removal. All 3 accounts shows 3 different balance amounts. This is a automatic removal because this is inaccurate reporting, and because the same account has been reported 3 times. this goes against the fair credit reporting act 100 %. And the credit bureaus knows this. And still refuses to removal, or they are simply ignoring this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: Sky Group USA, LLC
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I received {$300.00} loan on XXXX XXXX. 
Made payments of {$90.00} each on XX/XX/XXXX, XX/XX/XXXX, and XXXX, XXXX  XXXXand XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX, XX/XX/XXXX, then on XX/XX/XXXX I paid {$300.00} to pay loan in full and they continue to take out {$27.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX XXXX, and XX/XX/2019. I have emailed them twice to stop MY ACH AUTHORIZATION and the continue to take money out.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-17
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:
Incorrect information remains on my credit report after multiple dispute letters being mailed!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I inherited a vehicle when my fiance died in XX/XX/XXXX. The car loan had been paid completely off just a month prior to death. I attempted to obtain the vehicle title when it was never received after pay-off of loan. I called the servicer, Chrysler Capital, and spent approx an hour trying to navigate the automated system, was placed on hold, and my call was " dropped. '' This went on for 2-3 cycles. I decided to write to the address shown on the statement, also sending CA XXXX forms for the lien release, etc. I did that in XXXX or XX/XX/XXXX. I never received a response. Then the pandemic hit and I quit trying out of frustration. The calling/automated phone system at this company is nearly impossible ALL the times I have called, and the frustration level was off the chart. I gave up. Well, it is now 2.5 years later and I still have no title. I went to the XXXX office to see if I could get it there. They advised me that I had to get it through the Chrysler Capital title dept. 
On XX/XX/XXXX, I took this vehicle to XXXX to sell it. I need the money to cover my bills for the next few months since I have been off work due to a XXXX XXXX. 
Once again, the cycle of phone frustration in reaching someone at C.C. to request title began. 
The service assistant at the dealership and myself were tied up on the call for nearly an hour trying to pin them down on what was needed to get this done. I was asked to fax the death certificate, dmv forms, a copy of the Will/Revocable trust were submitted. 
I asked for an estimated time frame for which I might expect the lien release and the title to be mailed but was not given anything. They said I wasn't privy to that info until the documents were reviewed. ( The customer service girl at XXXX said it could be 30 days. ) I do not have 30 days! I have already been terribly inconvenienced waiting 2.5 years! 
I faxed a demand letter to Chrysler Capital on XXXX politely asking for them to expedite this review and process my request. I am out of time and that vehicle is indeed my property. There is no question or dispute regarding the pay-off of loan. 
This company is stalling the process since XX/XX/XXXX as far as I am concerned and I can not wait. 
The other thing I thought the loan company said was that I would need to go to a third-party website in order to order ( AND PAY ) for the title. I sure hope that doesn't apply here! 
WHY should I be forced to pay a fee for this title which should have been sent IMMEDIATELY upon their receipt of the pay-off final payment? 
I don't know the URL of the website so I did a general search and it appears that the fee is as much as {$150.00} to obtain the lien-free vehicle title! I will not pay that fee. I need help to get this whole problem resolved and that is how I came to you. PLEASE kindly help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: Experian Information Solutions Inc.
State: NV
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:
Hello, My name is XXXX. I noticed on my credit report that there are things that do not belong to me. As I reviewed my credit Report, I noticed a number of Inquiries, accounts, and collections that do not belong to me. Please remove these from my report as soon as possible. 
Best Regards, *Please see attached FTC reports

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 2019-10-03
Company: Convergent Resources, Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In the month of XX/XX/2019, I received a letter from Convergence Outsourcing Inc. regarding a re-aged debt Per Section 623 ( 5 ) ( A ) says : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. I immediately responded to Convergence Outsourcing Inc with an affidavit of denial ( not validation ) explaining this debt has been blocked per section ( 605b ) of the Fair Credit Reporting Act, an was the result of identity theft. Upon checking my credit report on XX/XX/XXXX I noticed this debt is now appearing on my credit report. These actions from Convergence Outsourcing Inc are clearly violations of consumer rights and unacceptable due to the fact the debt has been re-aged and also was the result of identity theft, and has already been blocked from the credit bureaus from a previous debt collector. This is my 2nd and final attempt to resolve this issue before pursuing 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 2016-03-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Prepaid card
Sub-product: General purpose card
Issue: Fraud or scam

Complaint:
I placed {$2000.00} on deposit was never paid any interest on my deposit charged interest on my own money and than denied when I lost my job for the insurance I had paid for.

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