BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-08
Company: DISCOVER BANK
State: KS
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:
On XXXX, I bought a pair of shoes form the website of XXXX at the price of XXXX through Discover it credit card, and I returned the shoes on XX/XX/XXXX, and then I made a payment of XXXX bucks on XX/XX/XXXX through XXXX XXXX, the bank statement says that the payment is finished on XXXX, but I didn't receive the payment in Discover account, my available credit is still minous.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: NAVY FEDERAL CREDIT UNION
State: TN
Product: Checking or savings account
Sub-product: Checking account
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 contacted Navy Federal Credit Union initial in XXXX regarding identity theft claim. Someone opened an account in my name I didnt know until I try to apply for a checking account. The initial claim was denied- no reason given. I appealed my claim providing additional documentation including FTC report and police report. My claim was reopened on XXXX of XXXX. I was advised initial it would take a week and Ill could open account. Next rep said 15 days. So I waited and now there saying they dont know. I asked to be transferred to security department. I spoke to same lady twice advising me I should a response in a day or so. I escalated to her manageXXXX and was advised I would be called back in 24 to 48 hours. No one called. I called again today and demanded that I speak to a manager to get a status update. They stated there was no update and no one was available. I told the rep I was staying in the line until someone was available and the rep stated no and hung up in my face. It forward me to leave a review. This is almost been a month and my last response was 15 days. I am requesting this issue be resolved!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: EQUIFAX, 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 {$0.00}, {$0.00}, {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXand the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- STUDENT ACCOUNTS 1. DEPT OF EDUCATION/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. DEPT OF EDUCATION/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. DEPT OF EDUCATION/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. DEPT OF EDUCATION/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: FMS Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
As a result of a CFPB complaint filed on XX/XX/2019, regarding incorrect information being reported on my credit report, FMS Inc. advised that they were in possession of eight outstanding accounts with an original creditor ( XXXX XXXX ). It should be noted that this alleged debt started showing up on all three of my credit reports without any prior notification from FMS Inc. showing sufficient verification/evidence ( specific doctor appointments, ER visits, XXXX reports, etc. ) of the alleged debt. I have reached out to FMS Inc. on numerous occasions and they have failed to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: GreenSky, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX ( aka XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX was solicited to install a window wall unit with ( XXXX ) sliding glass doors at my home. During the initial visit, part of the " sales pitch '' was offering 24-months, 0 % financing through GreenSky/XXXX XXXX XXXX. We accepted the XXXX XXXX proposal and decided to move forward with the project. Immediately following the install, we discovered that the wall unit was leaking water from the outside into the living space on the inside. In addition, the wall unit was beginning to break apart XXXX door handles were falling off and the doors were coming off track regularly XXXX. We contacted the installer ( XXXX XXXX ) and reported the issue. We were unsuccessful at getting them to make a repair call until we reached out to the lending institution, GreenSky. Upon multiple attempts to work out a repair plan with both the installer and the lender, we've been unable to get the leaking issue resolved. In fact, the situation continues to worsen and collateral damage is now resulting due to the length of time that the leaking has been going on. A " transcript '' of our communication with GreenSky containing photos has been attached to this dispute. Since GreenSky paid the installer XXXX XXXX XXXX XXXX in full upon XXXX XXXX  request with no communication with us the lendee before making said payment, we now have no " leverage '' to get this resolved other than threatening to not pay on the loan. GreenSky has now reported us to the credit bureau and is attempting to ruin our credit in an effort to " strong arm '' us into paying. We've chosen this path not in an effort to avoid paying, but rather as a way to try and " force the issue '' so that we can get this leaking resolved. In addition, on the back of each GreenSky monthly statement are Dissatisfied Rights outlining our right to not pay if we are unsatisfied with the purchase given that we follow the steps that they have outlined. We have followed this process for over a year with no end in sight. It is our opinion that XXXX XXXX  and GreenSky are mutually beneficial of each other, therefore, neither of them has a want to resolve the issue. Since XXXX XXXX  " sells '' GreenSky as a way to finance a project, why would GreenSky do anything negative that may impact that relationship? GreenSky has now taken to calling us several times a day trying to collect on this debt rather than working with XXXX XXXX to resolve the problem. In fact, my last conversation with GreenSky ended by their representative stating they'll just continue to call until I give in.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: Aldridge Pite, LLP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Since the beginning of 2019, the attorneys at Aldridge Pite have withheld a detailed accounting of the fees and charges that have been added to my mortgage loan which originated with XXXX and was transferred to XXXX without me being notified. 

Moreover, XXXX is suing me in Florida 's XXXX CountyXXXX Judicial Court, Case No. XXXX and Aldridge Pite represents them in that action. For the past 4 months my attorneys and I have asked for a detailed accounting of all the charges the two banks and the law firm have assigned to my loan. To date XXXX, XXXX and its attorneys have failed to provide this information which I am entitled to under the law. I have written countless emails disputing the payoffs amount they have sent to a third party. However, their lawyers will not release the details of the charges added to my mortgage loan. 

Finally, XXXX, XXXX and its attorneys released my loan information to a third party ; this was done without a written authorization signed by me allowing them to publish and share this information with the third party. While willing to share this information with a 3rd party they have failed to provide me with a detailed accounting of all the charges and fees they have added to my mortgage loan. Moreover, the attorneys at Aldridge Pite claim that an email that I sent which was not a release for information, was sufficient for them to give me loan information to a 3rd party and I dispute that claim. 
In short, XXXX, XXXX and Aldridge Pite have engaged in deceitful, unscrupulous and unlawful conduct regarding my mortgage loan and I am requesting that your bureau investigate and censure them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
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: Old information reappears or never goes away

Complaint:
Credit limit is {$5500.00}. 3 years ago I went to {$5500.00}. So {$85.00} over and they slam my credit within 2 weeks. I hastily pay it in full and it will not come off my credit. I opened a dispute and called XXXX XXXX. I cant even rent a house because of this issue! Not professional.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
We recently sent a letter to XXXX and Trans Union, asking them to investigate errors on our credit report. They are supposed to respond within 30 days, but they have not. We are attaching a copy of the letter that we sent to them.

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 2018-03-29
Company: GVA Holdings, LLC
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
i took out a {$400.00} loan in XX/XX/2017 and have made {$120.00} payments on time biweekly since that time. XXXX weeks ago I contacted the company inquiring how to pay down the loan and was informed that any additional payments made at the same time as the original payment would be applied to the principal. I have been paying {$120.00} plus an additional {$200.00} for the last to payments and to date only {$37.00} has been applied to the principal. The company states that they have no way to apply the additional payments to the principal therefore they apply the entire payment of {$120.00} to interest and XXXX to principal from the additional {$200.00}. To date I still owe {$810.00} from a {$400.00} loan the principal has been reduced less than {$40.00}. The interest is 699 %. It would seem that if the entire original payment is applied to interest then there is nothing but principal remaining for the additional payment to be applied to. It is also contrary to what I was informed the process would be. I would not voluntarily pay additional money for additional interest payments. As of now I am paying {$120.00} plus an additional {$200.00} per payment for XXXX in total to be applied to the original loan amount of {$400.00}. I have been informed that I will pay the loan off earlier than anticipated in XXXX if I keep this rate up. Wow!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I let you know that I had been a victim of identity theft XX/XX/21 and submitted an identity theft report but only part of the information was deleted by Equifax. Please delete these other accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: FORD MOTOR CREDIT CO.
State: AZ
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:
To whom it may concern, On XXXX I utilized XXXX XXXX. I've attached confirmation provided to me by XXXX XXXX confirming that my vehicle had been picked up from the location it was disabled. 

For the next three weeks a " XXXX XXXX '' maintained that they had picked up the vehicle and delivered it to XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX AZ XXXX ). During this time I contacted Ford several times which turned me away stating " we have nothing to do with XXXX XXXX. '' I was eventually directed to 'XXXX XXXX ' from a Ford supervisor stating my vehicle was " probably dropped off there by the tow company. '' I contacted them and spoke to XXXX. She felt so bad that we are people with XXXX being refused any type of help from Ford or XXXX XXXX. XXXX contacted XXXX XXXX  ( contracted through XXXX XXXX ) who suddenly changed thier story. The company stated that vehicle was dropped off directly at XXXX XXXX. After days of searching XXXX was unable to locate my vehicle. Once again she contacted the Tow company whom suddenly changed the story to now my vehicle was never picked up. 

Almost a month has gone before I was forced to file a stolen vehicle report with my insurance company. Because of the dereliction of duties and knowingly falsifying information on behalf of XXXX XXXX and XXXX XXXX  my vehicle was privately towed by another company on XXXX. My vehicle was left abandoned and we were left in the dark. 

It is now over two months later and we still do not have our vehicle. We lost so much time playing hot potatoe with Ford and XXXX XXXX that even to this date the vehicle is still not back to us. 

I've made several complaints to Ford, XXXX XXXX. Reference XXXX XXXX no. ( XXXX ) and XXXX XXXX complaint no. ( XXXX ), and a third party company ( unkown name ) that handles the dispatching of contracted tow partners. I've complained to Ford Credit for voiding the contract agreement that we had reasonable expectation as Ford customers that Ford would deliver assistance in time of need. Ford Credit has failed to meet that obligation. 

There is an unfair treatment against myself as a customer with XXXX. I have my rights and I am federally protected from companies like Ford who fail to meet their contractual obligations. The way we have been treated frankly is disgusting. Ford Credit has the nerve to still expect payment for the months that I have not had my vehicle due to their error. This is customer abuse. This is abuse of XXXX American 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: Experian Information Solutions Inc.
State: WA
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:
Experian is reporting fraudulent accounts on my credit report which includes the amouts of {$4200.00}, {$17000.00}, {$14000.00}, {$13000.00}. 

Please find the enclosed Affidavit of Identity Theft, regarding the above mentioned account. Please cease from reporting this information 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 non-monetary relief
Consumer complaint received 2021-11-29
Company: JPMORGAN CHASE & CO.
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my XXXX XXXX. I have a loan with JPMCB 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 terrific payment record with this company. I tried contacting the XXXX Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately. 

JPMCB XXXX XXXX Opened : XX/XX/2006 XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: AMERISAVE MORTGAGE CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
AmeriSave failed to close on mortgage application, three times, despite closing signatures. Over 130 emails and phone calls have been made to attempt closing without success. 

Approximately XXXX XX/XX/XXXX, a mortgage refinance research was conducted with AmeriSave ( Loan estimate XXXX ). Due to military assignment XXXX, official application for refinance was not initiated until XXXX XX/XX/XXXX XXXX XXXX number XXXX ). At that time, an application fee of {$500.00} was paid, E-Sign disclosures completed, endless verification documentation provided, and home appraiser visit scheduled. The estimated interest rate was 2.625-2.75 % over 30 years but AmeriSave recommended a " floating rate '' as rates were decreasing. On XXXX XX/XX/XXXX, a home appraisal was conducted with several photos taken by the appraiser. XXXX XX/XX/XXXX, XXXX sent a congratulatory note on new loan. On XXXX XX/XX/XXXX, closing disclosure was signed and completed at 2.875 % APR ( 2.75 % ). On XXXX XX/XX/XXXX, a reverification of AmeriSave rates based on my previously submitted information stated a 2.5 % was available. AmeriSave was contacted to request this new rate on XXXX XX/XX/XXXX as I had a floating rate but was informed that offer was not available due to additional costs, despite AmeriSave providing the new 2.5 % pre-approval estimate. Regardless, proceeded to closing on 2.875 % APR for XXXX XX/XX/XXXX ( First attempt ). Additionally, AmeriSave was notified on several occasions that as a XXXX military Service Member, my spouse would conduct the signing with a Special Power of Attorned ( POA ) acting as Attorney-in-Fact. AmeriSave understood this arrangement. On XX/XX/XXXX XX/XX/XXXX, XXXX was notified ( verbally and email ) that the digital XXXX documents ( via email ) to be signed prior to XXXX XX/XX/XXXX closing with AmeriSave notary had not arrived. AmeriSave stated they would look into it, but without resolution. On XXXX XX/XX/XXXX, AmeriSave contracted Notary arrived but was not aware that a POA would be used and documents signed by my spouse, he therefore said reschedule and terminated closing. Post first closing incident, AmeriSave management XXXX XXXX XXXX XXXX got involved and apologized for situation and stated he requested to have application fee reimbursed prior to rescheduled closing for XXXX XX/XX/XXXX. On the second closing attempt, XXXX, AmeriSave contracted notary, arrived and signed all documents with my spouse. Other digital documents provided through XXXX were signed prior to XXXX 's arrival, per AmeriSave instructions. Subsequent to all signatures, email notification was received from AmeriSave o/a XXXX XXXX apologizing for still not funding the contract after closing. Another closing was requested for XXXX XX/XX/XXXX with multiple Notaries communicating they would be at the home to resign documents.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief