BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-24
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Was told I had a charge off account with Navy federal for a mastercard platinum from XX/XX/XXXXfor about {$950.00} and will not let me withdraw my savings account or close it out until the debt is paid and when I asked for statements and ways to verify the debt they said they cant because it's a very old account I told them I will not pay for a debt that I cant even verify is mine and that they cant just hold my savings account funds indefinitely to cover that debt. I also found a letter dated from XX/XX/XXXX and it said I had to make a payment or they would contact my chain of command to force me into making a payment arrangement back then. I think Navy Federal has unethical collection tactics.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: JPMORGAN CHASE & CO.
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Our mortgage payments were 4 months late as XXXX us were unemployed. We called Chase bank who holds the mortgage, and they told us that " if we pay {$10000.00} XX/XX/XXXX, we can then resume monthly payment ''. I made the representative repeat that statement at the end of the call. The call was on XXXX XXXX 2015, When we called back to pay ( well prior to XXXX XXXX ), Chase refused our payment and told us they were starting foreclosure proceedings. We reminded them of the fact that they confirmed multiple times on XXXX XXXX that if we paid {$10000.00} XX/XX/XXXX, that we could resume regular payments. The representative said we needed to call Escalations which we did. Escalations took several days to find the tape of the the call ( we provided the call date ), and Chase claimed that NO DATES we discussed on the call! This is is a complete fabrication. If you can not help us we will have to get an attorney to subpoena the tape as they are lying.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
on XX/XX/2018 we visited the XXXX  dealer in XXXX and we were sold a XXXX   XXXX   XX/XX/2018 the price negotiated was {$27000.00} dollars out the door total, when it was time for the financing the finance manager scammed us and sold us the car for over {$37000.00} a car not worth more then $ XXXX dollars market price as it was listed on the sticker price of it, and the finance manager did not disclosed any of that to us and explained in details what he was doing, instead he kept with his pressure and selling us a 1.9 % rate when he basically defrauded us out of {$10000.00} dollars and took advantage of us as we did not know what we were been scammed, until we gave the paper work to our brother in law who saw all the fraud and went with us to the dealer and confronted the sales manager and crooked finance agent, we rescinded the agreement for legal cause fraud and bad faith high pressure sales tactics and left the car and keys at the dealer, they have continued calling every one and harassing us and other family members despite us telling them that were not going to allow them to defraud us. these sales man at the dealer are a bunch of suit up crooked unethical white collar criminals defrauding citizens with the conspiracy of the nissan motor acceptance corporation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently received notification that my credit score had changed. I immediately checked with credit reporting agencies and found that my credit history with XXXX   includes a derogatory mark reported on XX/XX/2017 by a collection agency identified as Commonwealth Finance. The debt claimed is in the amount of {$1100.00} ; the original creditor is identified as " XXXX XXXX  ''. XXXX  would not provide any additional information. I have no knowledge of this activity and I was not aware of this alleged debt, nor have I ever been contacted by Commonwealth Finance, XXXX XXXX, or any other party regarding an outstanding account balance or debt owed in this or any other amount. As a result, my credit has been damaged without my knowledge and without the opportunity to dispute or otherwise rectify the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
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: Account status incorrect

Complaint:
XXXX XXXX shows I have 3 open auto loans while I only have one. The auto lease is due on to mature onXX/XX/XXXX. Please investigate the contract agreement XXXX XXXX XXXX shows I have reposes which I did not. I paid the whole 36 months as agreed. Please investigate the contract agreement Transunion Credit Bureau is reporting negative things on my report while it does not appear the account in good standing that is paid off. There is aXX/XX/XXXXXXXX XXXX which has been paid off the XXXX XXXX and is not showing up on my account. Instead someone elses account shows negative on my name. Transunion is reporting that I owe {$11000.00} on credit cards while I dont owe it as I have automatic payment on my credit card. I do not owe what is reported on Transunion. This specific company gives a very low rating to most of us consumers due to its inaccurate reporting.My 4 credit cards have been closed due to Transunion. It did destroyed most of the things in my life. I kept getting declined by the bank because of the Transunion report. This reporting agency should be shut down. It destroys lots of American consumers. I will be losing my job and will be homeless with my XXXX children. I blame Transunion Credit Bureau for my loan getting declined. 
XXXX XXXX XXXX closed my account after I reported that my checking account was hacked. I have to shut down my checking account and open a new account. I reported theft on my two credit cards from XXXX XXXX XXXX. After complaining it, my card got closed and was reported as charged off. I need help to fix this problem.

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 2017-11-28
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA
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:
My complaint # XXXX about Chexsystems regarding XXXX XXXX XXXX account # XXXX still has not been resolved. The paperwork provided by XXXX  XXXX XXXX does not validate the alleged amount owed ( {$880.00} ). This is my third request for a re-investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: Experian Information Solutions 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 {$4800.00}, {$7400.00}, {$8700.00}, {$4700.00}. 
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 XXXX XXXX, 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. 

-- OPEN ACCOUNTS -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4800.00} -This is not my account. 











2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7400.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8700.00} -This is not my account. 


-- CLOSED ACCOUNT -- 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -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 2020-05-02
Company: EMBRACE HOME LOANS
State: FL
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:
My complaint is about EMS Embrace, I am victim of identity theft, this has been reported to the 3 major credit bureaus and law enforcement, a security alert is on my credit files see addendum below. I did not authorize an inquiry on my XXXX on XX/XX/2019. Please remove immediately. 
XXXX &XX/XX/XXXX19 XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX19.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: The CMI Group, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This company is fraudulently reporting information to credit bureaus and I have never done business with them neither have they ever contacted me about a delinquent account as I dont know who they are? I dont owe this company anything and they dont have a right to report any collections to a third party thats not a validated debt between me and them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-27
Company: Applied Resolutions Group
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
The company called and left me a number with a file number I called back said it wasnt me on the file. The collector or fraudulent person said see you in court and hung up. Then called back and left my address on my voice mail and said see you in court. They say there name is arg. This is the number they called from XXXX ( XXXX XXXX XXXX then called again from this number XXXX ( XXXX XXXX XXXX After I blocked them. Leaving messages said deadbeat and court. I have zero idea who arg is.

Company response to consumer: Untimely response
Consumer complaint received 2019-09-24
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I don't recognize this account. I never applied for it, I don't have any contracts or agreements with this company. I was victim of Identity Theft, somebody stole my personal information to open credit cards.

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 2017-11-22
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Loan payment wasn't credited to your account

Complaint:
On XX/XX/XXXX I made a payment in the amount of {$580.00} which is 2 monthly payments. This was for the Monday Madness Offer. ( See Attached file ) According to the advertisement it states to may 2 PAYMENTS and CityLoan will make the # rd PAYMENT. These 3 payments, to my understanding, were for XXXX, XXXX, and XXXX. I was n't needed to make a payment until XX/XX/XXXX, again from how the Monday Madness Offer is written. In XXXX I did get calls from Cityloan, with a message of saying to call them. I answered a few times and no one was their and line went dead. I made a payment on XX/XX/XXXX that cleared on XX/XX/XXXX. But come Sunday XXXX XX/XX/XXXX there was a repo tow truck banging ringing door bell! Told me if I did not give them my key they would have to " POP '' the lock. 
Long story short, I could not talk to someone until Monday morning XX/XX/XXXX. Once I got ahold of XXXX XXXX she informed me that the " Monday Madness Offer '' was for " Principal Only '' it was not " 3 PAYMENTS ''. I was so frustrated. 
To get our car back, that was only 22 days late, was to first deposit {$400.00} for repossession fee, and {$290.00} for past due amount, into their XXXX XXXX account # XXXX. Then I had to go to my local police station and pay the {$15.00} fee to remove the repo order. Then thirdly we had to go to the repo yard and pay {$110.00} for 2 days of storage and their {$45.00} processing fee. 
It is now XX/XX/XXXX and I have yet to get an updated statement on our account. 
They do not have any online account access whatsoever. I have yet to receive any notices or statements showing past due, nor any notifications of the car being repossessed!! 
I was about to make a payment now, but decided to look up info on CityLoan online. As a result of what I found online about them, I am sending you this complaint. 
Please let me know what you can do and or what other steps I should take to make sure I do not get more fraudulent charges from this company and protect my wife 's car.

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 2019-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This account is showing late. I requested a deferred payment on this account. The deferred payment history is showing late but I was greement the defer payment. I Am requesting the someone investigate this information thoroughly. If the deferred payment was green it there should not be a late payment all my account. I am requesting that this information be removed from my credit report. All 3 career reports is reflect in something different.

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 2019-05-02
Company: Receivables Performance Management, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Mu nane is XXXX XXXX XXXX to XXXX $ from my S.S.I. payment without consent. This date r wrong and r old. Also they didnt inform me of dispute against the alleged debt. XX/XX/XXXX. I was not informed or let them take out that money. I feel this is a false report and i should get a refund from RPM collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
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:
Good Evening, I have two fradulent inquiries on my Equifax credit report. I was told to report the issue to the XXXX who reported the XXXX inquiries on XXXX XXXX and XX/XX/XXXX. I followed the directives and the inquiries were removed from XXXX and XXXX within a month of reporting in XXXX. Equifax has failed to remove the two fradulent accounts and puts the blame on XXXX for not sending the electronic documentation stating the two accounts are fradulent. XXXX informed me that the first request was sent in XXXX and they could not send another until 90 days were up. I called XXXX and requested that they send the documentation to Equifax again and send me a letter stating the inquiries were fradulent. I recieved the letter via snail mail and called Equifax today, XX/XX/XXXX. I spoke with XXXX # XXXX and her manager XXXX # XXXX. XXXX told me they had not recieved anything from XXXX and I should call them again and ask them to send the document again. I told her I 've called them several times since XXXX and they say the documentation has been sent. She told me my only recourse is to obtain a police report for the fradulent inquiries. This is very frustrating seeing that my information was comprimised due to the Equifax breech and the fradulent inquiries are likely the result of the breech and the other two bureau 's have removed the inquiries months ago. Any assistance would be greatly appreciated. 

My confirmation numbers for these disputes with Equifax are # XXXX and # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-23
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I HAVE SEVERAL XXXX ACCOUNTS ON RECORD AND NEED TO CHECK THEIR DATABASES TO LOACTE ALL ACCOUNTS AND THEN ASK XXXX TO CONDUCT AN ACCOUNT REVIEW MAKING THE REPORTING PRPERTLY DONE SO.

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 2018-03-19
Company: SYNCHRONY FINANCIAL
State: MD
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 would like to re-open the complaint XXXX for it has not been properly resolved. I have asked XXXX XXXX  to verify this debt with all of the following proper debt validation : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service They have failed to provide me with all of the above documentation. XXXX XXXX has responded to this complaint stating that the account was charged off, and sold to XXXX XXXX. I have also requested XXXX XXXX to provide me with the above debt validation, they were unable to, and as a result ceased all collections on this account and removed it from my credit file ( see the attached response letter from XXXX XXXX ) because the account is not verifiable. Being that this account is no longer owned by XXXX XXXX, and they're unable to properly verify the debt, then they should not illegaly be reporting this account on my credit file.

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: Mr. Cooper Group Inc.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is an ardent plea for Consumer Protection Financial Bureau to assist us in this dishonest company.. We are seek and tired to dealing with this issue month after month this scrupulous company yet again. 
As usual this fraudulent and dishonest company has failed to proper apply our invoice payments for XX/XX/XXXX and XX/XX/XXXX thereby creating an over stated invoice amount of {$3000.00} for XX/XX/XXXX. Let the attached documents confirm that invoices for XX/XX/XXXX and XX/XX/XXXX were timely and completely paid which should not have resulted in late fees and additional interest charges. 

Let the attached bank records show that Exhibit 1 is for XX/XX/XXXX payment made on XX/XX/2019 for $ XXXXvia Chase Bank  XXXX and on XX/XX/2019 for {$600.00} via XXXX XXXX XXXX TOTALLING {$1800.00}. Exhibit 2 shows XX/XX/XXXX Payment was made on XX/XX/2019 for {$1200.00} via XXXX XXXX and on XX/XX/2019 for {$600.00} via XXXX XXXX XXXX XXXX TOTALLING - {$1800.00}. This information was communicated to your office on my letter dated XX/XX/XXXX and you still failed to properly apply the payments. 

In light of the above information and attached bank statements this confirms complete proof of payment for XX/XX/XXXX and XX/XX/XXXX invoices. Mr. Cooper needs to update their records and remove all illegal late fees and illegal additional interest fees immediately. The account needs to be adjusted instantly to show that payments are current and no fees are owed on this account. 
In the meantime, please be informed that XX/XX/XXXX payments will be made on XX/XX/2019. We await your prompt attention to this vexing matter so that it could be resolved once and for all..

Company response to consumer: Closed with explanation