BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-14
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, My Mortgage company Ditech did an escrow analysis on my account in XXXX and raised my mortgage by {$47.00} per month without notifying me. I called and was told that they did the analysis in XXXX and sent out a letter. However I did not receive any letter from them. Escrow analysis normally done in the beginning of the year. Can you help me. If I had gotten the letter then I would have paid the increase as I am living ona budget. 



My name is XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: Resurgent Capital Services L.P.
State: CA
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:
debt is not mine.. collection from XXXX XXXX XXXX of XXXX dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07
Company: FORD MOTOR CREDIT CO.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and XXXX XXXX with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XXXX / XXXX, XXXX, XX/XX/XXXX / XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: Niagara Credit Solutions, Inc
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a notice for this debt from a Niagara Credit Solutions , Inc on XX/XX/XXXX stating that the debt owed was XXXX. Then on XX/XX/XXXX I received a call from someone at ext XXXX saying that I owed over XXXX don't recall the full amount. How is this possible what interest rate are they charging on this? I want a copy of any letter stating the rate that would be charged to be sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 contacted TransUnion by phone 7 times to report that I had not applied for credit and there were 36 inquiries on my Credit Report. I explained that I have a fraud alert on my Credit Report as I did not make these inquiries. I want these inquires removed from my Credit Report. I have attached a letter where I have also stated that I no nothing about XXXX XXXX XXXX or XXXX XXXX XXXXXXXX.

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 2018-05-15
Company: Experian Information Solutions Inc.
State: MO
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:
Called Experian and XXXX  for them to remove a ( PFD ) Pay for Deletion account on my credit report. Had an agreement with XXXX XXXX that if I paid my revolving debt off it will be deleted off my credit report so I can close on my house. It is in XXXX XXXX system so if any questions needed contact 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 2021-06-06
Company: Byrider Franchising, LLC
State: ID
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I got a loan from a company cnac buying car from jd byrider i traded my car towards down payment i signed my contract as time went on into the second month of my loan i originally got the vehicle in XXXX the company accidentally reported to credit bureaus i missed XXXX payments i call them they call correct it however my credit dropped XXXX pts n never got points back then i. XXXX i was having hard time paying cause they would call before my due date i paid every two weeks they had me come in and sign new contract however little did i notice on my new contract they didn't list my trade in or payments i made from XXXX to XXXX they then came n repossessed my vehicle for being two weeks late while i was at work then i notice never reported my on time payments n that i opened my loan on XXXX when i opened it in XXXX i have copies of my first contract and proof of all this please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24
Company: JPMORGAN CHASE & CO.
State: GA
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 been disputing charges from a company called XXXX they own several companies that were part of an elaborate scheme to bilk millions of dollars from consumers in the United states. I disputed a charge made on XX/XX/2018 of {$2600.00} with the company " XXXX XXXX XXXX XXXX '' '' XXXX XXXX XXXX '' both the same company. they are owned by a company called XXXX ( XXXX XXXX XXXX XXXX ) I purchased affilliation with XXXX  which is an online marketing company of digital products over the internet. I was sold the service that was supposed to be for traffic that would click on my advertising page. However I recieved nothing for this {$2600.00} I spent. I believe this was just another extraneous charge like many that I incurred while being associated with this XXXX  comany. When I tried to air my complaints the company never responed to my emails.I also called the help desk at XXXX several times but after being on hold for over an hour I just gave up. Chase Freedom card is the credit card company that looked into the dispute I filed with the " XXXX XXXX XXXX XXXX '' " XXXX XXXX XXXX '' the same company. Chase originally removed the charge from my statement but then the company ( XXXX ) challenged it and then Chase put the charge back on my statement. Now I want to tell you something very important. 2 weeks ago I received an email from the The U.S. Federal trade commision telling me that the FTC by federal court order has shut down this XXXX  company and 8 other businesses they own and froze the assets of the principles in the company over XXXX XXXX dollars ... here is the official link for the FTC action against these criminal companies. XXXX : XXXX An attorney at the FTC provided me this information but the charges against this XXXX company and " XXXX XXXX XXXX XXXX '' came out after Chase denied my dispute for the removal of the {$2600.00} The FTC has been investigating this XXXX  company for fraudulent business practices. I spoke with an attorney at the FTC and he told me that I should make this new information known to the Chase dispute team. I did tell Chase about the fact that the FTC has shut down XXXX and " XXXX XXXX XXXX XXXX '' " XXXX XXXX XXXX  " company. The charges of almost {$82000.00} that were charged to my credit cards was I believe a scheme to bilk money from me and in light of the fact that FTC has shut down this XXXX company and frozen the assets fo the the principles is proof that this company engaged in fraud. Therefore Im asking that the charge of {$2600.00} be reomved from my statement with the Chase Freedom card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Capital One has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
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:
XX/XX/XXXX XXXX -- " Bank of America XXXX BankAmericard said they never received my payment of {$88.00} due on XX/XX/XXXX and sent on XX/XX/XXXX. This was just discovered today when I went to pay this months bill. I just called and talked to XXXX in NC she said they never received my check payment. So I was charged {$25.00} late fee and {$3.00} interest. Is anyone watching to see if there is an uptick of late payments to this company? Who knows what happened to my payment BUT " Bank of America '' just made a lot of money off my payment that conveniently never showed up. I might have to look into " BIT COINS '' or other forms of payments.

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 monetary relief
Consumer complaint received 2018-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 XXXX is reporting to the credit bureaus that they have had my mortgage since XX/XX/XXXX and that I was 120 days late on my mortgage in XX/XX/XXXX and prior to XX/XX/XXXX. They have only had my mortgage since XX/XX/XXXX. They bought my mortgage from XXXX XXXX. My mortgage was never late with XXXX XXXX XXXX but in the comments section on the loan it says that I was 120 days late. I have never had a late payment with XXXX XXXX XXXX. I have requested XXXX XXXX XXXX to correct this matter with the credit bureaus. I have also reached out to the credit bureaus to have them correct the information but XXXX XXXX XXXX has been unwilling to correct the matter. I would like for XXXX XXXX XXXX to only report my loan from when they acquired it which was XX/XX/XXXX. XXXX XXXX is reporting my mortgage from XX/XX/XXXX until they sold it in XX/XX/XXXX so there is no need for XXXX XXXX and XXXX XXXX XXXX to report the same data and it is inaccurate for both creditors to report the same data.

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 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2018-06-21
Company: EQUIFAX, INC.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have filled a dispute several times through equifax explaining that this is not my debt. I don't live in XXXX.. I live in XXXX. I requested the company send proof of this and the only thing they can send is an invoice. No letter showing that I may have  acknowledged this debt or taken responsibility of this. I have no unpaid medical bills. This is clearly fraud. I refuse to pay for something I didn't do. My next order of business is pursuing legal action. I would rather pay a lawyer to sue you for pain and suffering than to pay for something fraudulent. This only shows on my Equifax credit report and Equifax is agreeing with the company on this bogus proof or debt they are providing. Is equifax an accomplice? I am happy to add them to the lawsuit as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-15
Company: SYNCHRONY FINANCIAL
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:
I didnt authorize any of these 4 inquires.I called the credit agency and they could not inform me who input my information SYNCB  XX/XX/XXXX XX/XX/XXXX Bank Creditor Contact Details SYNCB XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX See something wrong? 
Find out how to dispute a hard inquiry. 
XXXX XX/XX/XXXX XX/XX/XXXX Finance Creditor Contact Details XXXX  XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX See something wrong? 
Find out how to dispute a hard inquiry. 
XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA  XXXX ( 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 2018-12-14
Company: Credit Systems International, Inc.
State: GA
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:
Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX   have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: Byrider Franchising, LLC
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:
Endless issues with this company : - account manager hardly assisted when i needed help with my loan due to illness.

-after i realized i couldnt afford it i voluntarily surrendered and dropped off vehicle myself.

- account manager ran my credit AFTER i was no longer in possession of the vehicle and she didnt have my permission nor right and just ran it at her own decision.

-after it ended up on my credit years later i reached out to take care of the difference and they informed me i couldnt make payment to them and referred it to a third party collection but let me know that once the collection was paid the third party AND CNAC would come off my credit entirely and the third party and after arguing with them it was removed ONLY TO BE PUT BACK ON MONTHS LATER DROPPING MY SCORE 75 POINTS.

-called back and they informed me that they have no authority over credit bureau and i need to contact them which i have as well as disputed it and every time the bureaus send my dispute over they deny it and the bureaus leave it on there.

-called and spoke to manager XXXX and she informed me she would look into this and how to get it taken care of. I call back as i hadnt heard any updates only to be told she is actually not in and wont be as she is on vacation for the entire week. 

-I am getting the run around and no one is helping me and they not only violated my rights by running my credit but they also lied to me about it being removed and now they are not helping me or answering my questions and no one has called me back. This company is manipulative and lies and just passes the buck and i need it resolved ASAP before I take legal action on the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24
Company: Experian Information Solutions Inc.
State: IN
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:
I have contacted XXXX XXXX XXXX XXXX after they sent me a letter and placed a hardship loan write-off from XXXX card, buying an already charged off loan in my name, due to XXXX card failed to let the XXXX XXXX XXXX XXXX know that they had already wrote the account off under a government program. I got sick, XXXX treatments did not work and I am on XXXX XXXX. My family had helped with assisting bills, however once the XXXX treatments did not work, they stopped assisting. I sent XXXX card a copy of my full XXXX  hearing, signed court decision and a letter explaining my medical condition that led to my hardship. 

XXXX card was very understanding and told me they were writing the loan off under hard ship. 

In my entire life, I had never been late, paid ahead of time all of my bills, even paid more than the amount due. Even while being sick. 

I now received a letter that XXXX XXXX XXXX XXXX bought a closed account under my name with XXXX card after XXXX Card refused to provide all documents. I did receive from XXXX XXXX   XXXX XXXX what they received from XXXX card when purchasing an already closed account due to hardship, however it did not include the private court XXXX  paperwork that XXXX card had in my file. 

I in turn called the collection agency XXXX XXXX XXXX XXXX on quite a few occasions. They also admitted to they do not buy hardship loans and agreed to close the file and terminate paperwork. 

I am now asking the collection company to please remove the collection account from all three credit bureaus. 
As a XXXX fighter, I deserve to have a bit of human decency and only asking that the collection be removed and all information of an account they bought through XXXX card that was already closed. Per advised by attorney, XXXX bank sold a bad loan, hardship loan that the bank had already closed and wrote off under government program. Therefore, I should not be penalized by XXXX XXXX XXXX XXXX to due the issue of XXXX selling a closed, wrote-off hardship consumer loan in my name.

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 2018-06-24
Company: CITIBANK, N.A.
State: IN
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:
I have contacted XXXX XXXX XXXX XXXX after they sent me a letter and placed a hardship loan write-off from CitiBank card, buying an already charged off loan in my name, due to CitiBank card failed to let the XXXX XXXX XXXX XXXX know that they had already wrote the account off under a government program. I got sick, XXXX treatments did not work and I am on XXXX  XXXX. My family had helped with assisting bills, however once the XXXX treatments did not work, they stopped assisting. I sent CitiBank card a copy of my full XXXX hearing, signed court decision and a letter explaining my medical condition that led to my hardship. 

CitiBank card was very understanding and told me they were writing the loan off under hard ship. 

In my entire life, I had never been late, paid ahead of time all of my bills, even paid more than the amount due. Even while being sick. 

I now received a letter that XXXX XXXX XXXX XXXX bought a closed account under my name with CitiBank card after CitiBank Card refused to provide all documents. I did receive from XXXX XXXX XXXX   XXXX what they received from CitiBank card when purchasing an already closed account due to hardship, however it did not include the private court XXXX paperwork that Citibank card had in my file. 

I in turn called the collection agency XXXX XXXX XXXX XXXX on quite a few occasions. They also admitted to they do not buy hardship loans and agreed to close the file and terminate paperwork. 

I am now asking the collection company to please remove the collection account from all three credit bureaus. 
As a XXXX fighter, I deserve to have a bit of human decency and only asking that the collection be removed and all information of an account they bought through CitiBank card that was already closed. Per advised by attorney, CitiCard bank sold a bad loan, hardship loan that the bank had already closed and wrote off under government program. Therefore, I should not be penalized by XXXX XXXX XXXX XXXX to due the issue of CitiBank selling a closed, wrote-off hardship consumer loan in my name.

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 monetary relief
Consumer complaint received 2018-05-15
Company: Bread Financial Holdings, Inc.
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX These all go to house phone XXXX this is just sample over last approx two to three weeks going on. there are numerous to my cell phone also. Some how they have gotten my dads number XXXX harass him with calls and I do not talk to my dad.

Company response to consumer: Closed with non-monetary relief