BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-20
Company: Asset Management Outsourcing, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX NATIONWIDE RECOVERY SV XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious NATIONWIDE RECOVERY SV XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Experian Information Solutions 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 information incorrect

Complaint:
There is information on my reports which are causing financial harm to me and my family. I have sent out dispute to each of the XXXX Credit Bureaus in an attempt to receive update of the following items. 

XXXX Account 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 explanation
Consumer complaint received 2018-08-22
Company: Santander Consumer USA Holdings 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 information incorrect

Complaint:
For almost two years I have made payments on time to Santander Consumer USA for a vehicle financed through their company. In XX/XX/2018 I was taking out a refinance loan on my home and decided to pay off the vehicle. The refinance company cut a check to Santander in XX/XX/2018 but went over the payment deadline for XX/XX/XXXX and advised us not to make another payment because they already cut the check. I notified Santander that we were going to stop the payment from coming out of our bank account because the check was already cut and on its way to them. Santander received and cashed it only to report us negatively to the credit bureaus TWICE dropping our credit score 100 points. They cashed the check two weeks ago and we have not received the vehicle title and after they cashed the check they reported to the credit bureaus negatively even after they were aware in XX/XX/XXXX of the situation. When we called at the beginning of XX/XX/XXXX to resolve the issue they said it was policy to report it negatively to the credit bureaus per a policy that does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: Experian Information Solutions Inc.
State: GA
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  ; Experian and XXXX  should not be reporting that I am ( 120-180 ) days late on the XXXX XXXX XXXX   partial account number XXXX and XXXX. ( Please see pages attached from my credit report. ) These student loan accounts have been deferred and reporting these items as late is a violation of the Fair Credit Reporting Act. The FCRA mandates that items need to be reported accurately on a credit report. I have attached a copy of the deferment letter for reference. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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 Data breach 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
Consumer complaint received 2022-10-26
Company: CMRE Financial Services, Inc.
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I had a missed call the morning of XX/XX/XXXX, I followed up out of curiosity and it was a person on the phone trying to get personal information from CMRE Financial Service. Multiple times throughout my first phone call I was aggressively to make payments on a {$1500.00} charge. After pressing I was informed by CMRE it was XXXX charges of {$1400.00} from XXXX ( The hospital in my area ) on XX/XX/XXXX {$140.00} from XXXX XXXX on XX/XX/XXXX The first charge is from a recent XXXX I had at the XXXX, I am in the process of financial aid paperwork and I confirmed all my charges are on hold. 

The second does not align with any services I have received and doubly I have recently ( last 6 months ) cleared my debts and credit report, a literal clean slate as described by my financial officer. 

Both of these circumstances threw up red flags for me and after so time on the internet directed me here. Attached, I have followed up with a Debt Validation Letter via email to the company after a final phone call. They directed me to use email or fax instead of a written letter and provided with the contacted email. I have also attached a screenshot of the email in case the first attachment files type causes issues. 

My credit isn't great and I have had medical debt haunt me for the better part of my life, I have done my time, paid my dues, and I am finally in the clear. This is my effort to prevent these predatory practices to negatively affect me or others in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
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:
There is an alleged bankruptcy on my credit report. That is not mine. Pursuant FCRA 623 I am demanding that it be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: JPMORGAN CHASE & CO.
State: AL
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 a Amazon card through Chase Bank. 

On XX/XX/2023 there was an erroneous transaction from Amazon for {$150.00} Within minutes this transaction was corrected on XX/XX/2023 and Amazon refunded the amount back to the card ( Credit to Account to wash out the transaction ). 

Chase took the refund of {$150.00} and instead of applying it to the erroneous transaction, Chase applied it to a 0 % promotional finance special that I took advantage of to purchase a couch and treadmill from Amazon. My payments are to be {$81.00} monthly. Chase then treated the erroneous charge as a purchase though it states clearly in the statement showing amazon refunding this charge.

Chase then took the {$150.00} refund as real cash and not a refund and added that as a purchase under yet to be a charged interest balance. They deducted {$150.00} from my 0 % interest and created a transaction basically of $ XXXX 27.24 % APR. If I do not want to be charged interest I have to pay {$230.00} ( XXXX + XXXX ) to defer interest on a transaction that was refunded. 

So technically, the {$150.00} that was refunded was stolen by Chase and applied to a 0 % promotional special and then applied the refunded charge as a charge to my account at 27.24 % APR. 

I called Chase about this and they refuse to fix this item.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
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:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.

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 2023-02-07
Company: CITIBANK, N.A.
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a XXXX XXXX XXXX. I have a citi credit card set up on autopay. On XX/XX/23, I found XXXX charges from citi. XXXX purported to be a returned check fee and the other an insufficient funds fee. Both carry the same transaction number and both claim to be the result of a returned autopay. 

1. Although an autopay was due around this time, the bank records show a sufficient balance available and show that no attempted debit was made. 

2. The auto debit was {$25.00} and the XXXX fees ( differently styled returned item fees ) amount to {$90.00} in fees. 

The only contact with Citi advised that she was not authorized to address such issues and could not reach a supervisor. She was only able to read a script stating that the " fees are valid ''. She was unable to define the nature of the fees, explain why there were XXXX separate fees in differing amounts for XXXX alleged transaction or provide a transaction ID to prove Citi made a successful autodebit attempt. The only information she could offer was a XXXX XXXX XXXX write a letter to Citi. A copy of this complaint will be forwarded to that XXXX XXXX XXXX Citi has violated the terms of their own contract by applying multiple fees to XXXX transaction and has engaged in fraudulent practiced by failing to attempt a transaction and then gouging the customer, TWICE, for their failure.

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 2018-08-23
Company: CORELOGIC INC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I bought a new car and paid cash. However, XXXX XXXX XXXX used XXXX  and pulled my credit without my consent! I received a notification from XXXX while in the lobby and inquired about it and was told it was because I wrote a check. I was not applying for credit and my credit should not have had a hard inquiry to buy a new car without financing.

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 2022-10-27
Company: Experian Information Solutions 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:
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within XXXX business days. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) and the bank 's records ( learned through more research both parties require ). Please block/remove this files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, NJ, XXXX, XXXX XXXX XXXX, XXXX, NJ, XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$21000.00}

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 2020-07-10
Company: Rocket Mortgage, LLC
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I decided to set up auto payments every two weeks including a small amount extra to go towards principal so that I could pay off my mortgage quicker. As I was finishing up the process I noticed a disclaimer that stated my money would be held until a full payment was collected then it would be applied to my loan. Since I just made a full payment on the first of XXXX and my first " every two weeks '' payment would be on the XX/XX/XXXX I wondered if my money would be applied to my loan or what that meant to my finances. I called Quicken and asked them to explain. I was told in fact their policy is to hold my money until a full payment was gathered, then apply it to my loan. I explained I just made a full payment and this money should be applied as soon as they receive it. But again was told it's Quicken 's policy to hold until a full payment was collected. This IS an unfair practice. My loan would be paid off even quicker if they applied the money collected every two weeks at the time they collect it, which is my goal and why I decided to make auto two week payments. I do understand it still will be paid off quicker but the point is they hold money for two weeks which allows more interest to accrue on my loan. I pay an interest on my loan to pay Quicken for allowing me to use their money to buy my home. By using this option not only does my home loan not get paid off as soon as it could but Quicken is using money, for free, for two weeks and every dollar from others who choose this option. I also asked what if I just paid an extra amount equal to half a payment every two weeks without using the auto pay option and was told Quicken 's policy is to hold that money until a full payment amount was received. Again, an unfair practice to consumers that keeps us in debt longer than we should be. I have used Quicken 4 times for loans and have been satisfied up to this point when I discovered this option to help me pay off my loan quicker isn't paying my loan off as quick as it could and should and allowing Quicken to use my money for free for two weeks to pad their own accounts. This is NOT fair to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: Shellpoint Partners, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Recently refinanced mortgage. Received letter from new servicer ( NewRez ) on XX/XX/2020 ( dated XX/XX/2020 ) that stated that we are in a Special Flood Hazard Zone and that we must obtain flood insurance in 45 days from the date of the letter ( XX/XX/2020 ). Our home is near a river ( 800ft ) bu

t is 100ft in elevation higher than the river. We have never been required to maintain flood insurance by any other lender. I looked at the FEMA website myself and it says we are Flood Zone X ( the lowest risk ). I called them the same day I received the letter and they informed
me that FEMA " recently updated their maps '' and that get their data from FEMA and it said we were in a high risk zone. They told me if I supplied information from FEMA showing that we were in a low-risk zone, they would remove the requirement. However they
said that I couldn't just simply send them a screenshot from the FEMA website, it had to be official.

I submitted a request to FEMA on XX/XX/XXXX, but was told it could take 45-60 days. I received a reminder letter from NewRez at the 60 day mark. I still had not heard back from FEMA so I started exploring options to obtain flood insurance, hoping I could get it refunded after. During my search, I found a firm called Second Chance Flood that can prepare flood reports using FEMA data. I paid them to do research and they provided a detailed report which included maps and FEMA form that showed I was in Flood Zone X.

I supplied this information to NewRez via Fax and Email on  XX/XX/XXXX. Today ( XX/XX/XXXX ), I received a letter from NewRez ( dated XX/XX/XXXX ) indicating they had purchased flood insurance on my behalf at a rate of $ XXXX/year. They reported to the insurance agency that I was in flood zone AE ( highest risk ). They completely ignored the information I provided and I'm not sure how to get them to resolve this.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: Experian Information Solutions Inc.
State: NY
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 Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX #, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2018-08-23
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX  has been non-compliant with removing the unverified account CHASE CARD XXXX which has been deleted by XXXX and XXXX. XXXX   and XXXX  have both completed their research and determined that CHASE CARD was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with non-monetary relief