BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-03
Company: CAVALRY INVESTMENTS, LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I checked my bank account and saw a check made out to the Court. I immediately called my bank and they said I wrote a check to the court. I said no I did n't. After a few moments they said it was a garnishment. I then called the court and they told me a judgement was made against me in XX/XX/XXXX.They said that the law office trying to attempt the debt sent a summons. I said I did n't receive anything regarding the situation or the garnishment at all! I asked the court to mail me papers. She gave me a number to contact the law office. After trying 5 different numbers that I was given by bank and court, I was able to speak with someone. The law assistant said that it was delivered and because it was not returned to them unable to deliver, that they assumed I received it. Then said I even called to talk to someone about it. Then proceeded to say '' I did, we were going to make a payment arrangement for XXXX . '' I said well, a lot was going on in my life last year but i did n't recall talking to you and would never have agreed to that because I could never afford that amount. After all that I said can we make an arrangement on the amount due XXXX. She then said that I owed XXXX. I said the garnishment paper from the court says differently. I have asked now twice for them to send me what they have and they wo n't but keeps asking me to send her what I have instead, i am confused why i would have something they do n't have. I faxed my doc. on XXXX, she states they never received it? She also states the court fees are XXXX, but my judgement paper states XXXX. They have continued to call me and I feel threatened if I do not comply, that there will be more garnishments. I received the judgement papers on XXXX ( from the court after asking for them to mail to me ), they garnished my paycheck on XXXX and the judgement for the garnishment was filed on XXXX.The last record on the docket was XX/XX/XXXX and out of no where in XX/XX/XXXX garnished my checking account. All the info on my sheet states it was verified on XXXX. So then I was left without my money and was never told I could dispute this at all and was left without any options. I feel as though they are withholding information and/or trying to get me to offer up information that in the end would incriminate myself. I would just like to settle and end this all. Also the debt is From XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 noticed that i have been a victim of Identity Theft for a few years now. ( XXXX XXXX  ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX  ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

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 2018-02-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
did not receive a court order to appear in court, being garnish for over 400,00 monthly by XXXX XXXX XXXX, no name on papers as to what co. I assume it was from bank of America for a credit card from XX/XX/XXXX or XX/XX/XXXX balance on card was XXXX XXXX, their bill XXXX XXXX.i received a check from bank of America dated XX/XX/XXXX. I paid insurance monthly covering the card in the amount of XXXX never cashed it first garnishment was XX/XX/XXXX no way I can afford this. Complaint # XXXX same as mine. 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 2021-02-22
Company: Experian Information Solutions Inc.
State: NJ
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:
investigation took more than 30 days i am writing this due to non-compliance with the ( XXXX Experian, XXXX ) have failed to remove information that affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and a outright refusing to uphold the law

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 2021-01-27
Company: WEICHERT FINANCIAL SERVICES
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX, I was charged {$4900.00} for homeowner 's insurance despite my proof that I already have coverage. In fact, they paid out the annual premium of {$910.00} on XX/XX/XXXX. 

I have provided them my proof of insurance over the internet ( XXXX ), mailed the entire policy three times, faxed it four times and have called about this specifically three times since XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I previously submitted a complaint ( case # XXXX ) regarding my fraudulently over-drawn checking account at Santander Bank, NA. The bank has resolved the fraud issue and reversed the charges and fees. However, during the process I noticed what might be a Regulation E issue. I submitted my fraud claim to Santander on XXXX/XXXX/2016. The bank reversed the charges and credited me for the charges and fees on XXXX/XXXX/2016. In the meantime, I received XXXX ( XXXX ) automated phone calls from Santander informing me that my account was overdrawn and that I needed to immediately deposit money to avoid additional overdraft fees. People unfamiliar with their rights under Regulation E may be misled by these messages into believing that they are responsible for over draft fees caused by fraudulent charges. They may then deposit money to offset the negative account balance caused by fraudulent charges just to avoid fees, potentially losing access to even more money then they lost due to the initial fraud for 10 business days for no reason. I contacted Santander about the issue but was told that the phone calls were auto-generated and could not be stopped. For lower-income people and families, this may represent a second type of victimization, where they end up temporarily losing access to even more needed funds than were lost in the initial fraud. Santander should be able to turn off their threatening robocall system in cases where a Reg E claim has been filed.

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 2021-01-27
Company: JPMORGAN CHASE & CO.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Currently, I simple need verification from JPMorgan Chase Bank National Association whether they directly sold my Note to XXXX XXXX XXXX. 
I know Chase did not directly sold My Mortgage Note to XXXX XXXX XXXX. 
But I need a written verification from Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: NEW YORK COMMUNITY BANCORP INC
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I accidently sent {$100.00} to an account that was closed at XXXX XXXX XXXX. As soon as I hit submit, I realized my error. It was XXXX XXXX on Sunday night, so even though I tried to correct the error, I was only able to reach customer service automated line. I called my bank first thing Monday morning ( NYCB ) and reported the error. I was then told I would see the refund in my checking account on Friday, XXXXThat did not happen.On XXXX XXXX, I received a notice from NYCB that they would investigate. Approx. 2 weeks later I received notice the case was closed and there was nothing further that could be done. On XXXX XXXX, I called NYCB again and spoke with XXXX and she informed me that the manager would reopen the case. Today, XX/XX/XXXX, I called to get an update and was told the case was again closed and nothing can be done. They told me to contact XXXX XXXX again. I reiterated that XXXX XXXX did not accept the money due to a closed account. ( that is what I was told by XXXX XXXX ). I am reaching out to you at this time, cause I am at a loss where to turn to next. It is a lot of money, especially at this chaotic time. Please contact me for any further info I can supply you with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: EQUIFAX, 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 information incorrect

Complaint:
XXXX HAS BEEN REPORTING A ACCOUNT WITH XXXX XXXX AS A REPO WHICH IS INACCURATE. THIS WAS REPORTED ON XX/XX/2020 BUT NO ACTIONS HAS BEEN TAKEN TO REMOVE. 
ALSO A ACCOUNT WITH CREDIT COLLECTION SERV IS BEING REPORTED AGAINST ME AND THATS NOT MY ACCOUNT. THESES ARE VIOLATIONS OF THE FCRA AND I WILL BE SEEKING LITIGATION IF THE TWO ITEMS ARE NOT DELETED IMMEDIATELY. IVE ALSO FILED A COMPLAINT WITH THE FEDERAL TRADE COMISSION IN REFERENCEC TO THE MATTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had the medical name XXXX XXXX claiming, i owe them lab bill which was from last year XX/XX/2019 meanwhile they have my XXXX info through the doctor office call the XXXX  office said i was cover time of the test period.I ask maidcaid office to give me a proof of coverage they want XXXX XXXX to bill them so they can pay. I am including XXXX card for billing XXXX XXXX refuse to do that. I tried many attempts but they being hard on me instead helping me i need these collections to be remove from my credit file which are result of incorrect billing error adding " CCS '' File Numbers File number XXXX in amount of {$400.00} File Number XXXX in amount of {$570.00} '

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: JPMORGAN CHASE & CO.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
My chase account was hacked and a check was debuted to my account. I caught the deposit the next day with XXXX STILL in the account and Chase granted me a new checking account 3 days later. They soon let me open a business account which they then seized funds and stopped all payments on bills saying i was the one that committed fraud. I had spoken to the fraud department AND A BANKER. They waited 6 weeks for me to add money to my business account where they then shut down all accounts and took my money. I asked for the cameras which they would not produce. I am unable to open another account and i am now in jeopardy of losing my business due to Chase. The management was poor and very disrespectful also. They moved payments and then ACCUSED ME of using those illegal funds to pay my tuition when i had a cash deposit a couple of days before.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I went to get financing for a vehicle credit. I was eager to go to the vendor until the vehicle sales rep returned into the room and educated me that he would not have been ready to make me finance for any vehicles. This got me unsuspecting I have consistently perceived the significance of having and keeping up with great record of loan repayment. So I generally gave a valiant effort to ensure I kept the entirety of my issues all together. So obviously I was brimming with various feelings when the sales rep educated me that I wouldn't fit the bill for any financing. These negative things being accounted for on my credit report are not my records. I request them be taken out. This is slander of character. This is likewise a FDCPA infringement 15 USC 1692d. Announcing erroneous things on somebody credit report adversely influences a purchaser 's standing. FCRA 15 USC 1681 states that a buyers credit report is the shopper 's standing. In the event that these things are not eliminated quickly I will look for suit. I additionally gave proof to help that I was a casualty of the XXXX  information break.

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 2018-02-06
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 is missing that should be on the report

Complaint:
My mortgage with XXXX was on my credit report through XX/XX/XXXX. In XX/XX/XXXX it disappeared even though the loan is still open and in good standing

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 2017-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Sent via mail on XX/XX/XXXX a letter to XXXX along with a check payment stating upon cashing my check payment they would agree to remove all late payments from all three credit bureaus ( XXXX, Transunion, XXXX ) immediately. My check was cashed on XX/XX/XXXX and the late payments remain on the account they have not been removed yet. Per the agreement these should be removed from all three credit bureaus. I have will attach a copy of the letter and copy of check along with a snip it from my bank showing it was cashed.

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 2019-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX XXXX XXXX is reporting a debt collection account on my TU credit report. That debt is not mine. I have contacted XXXX XXXX XXXX over two months ago to remove it. They sent me a letter confirming that they will remove it from my credit report but unfortunately they never did.

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 2021-01-27
Company: Auto Trakk, LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I had an auto loan with Autotrak. The car was totaled and deemed a loss. During the time of the loan i never made a late payment and also had GAP coverage. The car was totaled XX/XX/XXXX and once Autotrak received funds from insurance company i spoke to an associate who allowed me to believe XXXX insurance paid most of the remaining payment and the GAP insurance covered the rest. In XX/XX/XXXX I pulled up my credit report and was surprised to see Autotrak showing a charge off in the amount of {$2400.00}. I immediately called the company an they said yes the received money from XXXX and the GAP insurance but there is still a balance. The response from the associate did not leave a clear understanding as to why i would still owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
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: Information belongs to someone else

Complaint:
Transunion is reporting a negative " account '' that I am unaware of and have not been contacted about. I have no knowledge of this. They have allowed other collection agencies to report this same information in the past and don't seem to be learning anything. It's a revolving door with this incompetent company.

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 2017-08-07
Company: Convergent Resources, Inc.
State: NH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I received a voicemail on my home phone with only a phone number to call back. I researched the phone number to XXXX XXXX so I sent them a validation letter on XX/XX/XXXX. I received their " verification '' letter on XX/XX/XXXX. It was dated XX/XX/XXXX and stated that the debt was valid and attached verification of the debt. The attached verification shows a forwarded balance, my name, and an account number. I remember disputing this alleged XXXX debt back on XX/XX/XXXX, but it was with a different company, XXXX XXXX XXXX. I have my credit reports from XX/XX/XXXX in which I marked when I disputed it on XX/XX/XXXX. Then I have another credit report where I marked it that it was removed on XX/XX/XXXX. I have an XX/XX/XXXX XXXX report and that account is no longer on there, as it was removed in XX/XX/XXXX. When the alleged debt was on my XX/XX/XXXX credit report, it showed that the " account is scheduled to continue on record until 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 2016-09-21
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
There were XXXX unauthorized transactions made by XXXX of my family member [ by accident ]. I helped a Nissan employee [ XXXX ] from collection department locate the vehicle, and that employee promised that she 'd issue a refund check for me. After Nissan found the vehicle, no one contacts me back, and that employee never returns my calls. 
On XXXX/XXXX/2016, I called again and talked to XXXX [ XXXX for 23 minutes ]. She told me that it is the money that the customerXXXX owed to Nissan and can not refund meXXXX the money. She said I 'll need a police report otherwise, they can not refund me. 

It should be noted that I do not have any account with Nissan and never purchase any vehicle from the company. 
I obtained this info from XXXX and Nissan [ after they added me as authorized user so they could share the main account holder info with me on the phone ] Nissan Acc # XXXX Transaction # obtained from XXXX 1. # XXXX XXXX/XXXX/2016 {$1200.00} 2. # XXXX XXXX/XXXX/2016 {$1500.00}

Company response to consumer: Closed with explanation