BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-10
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To whom it may concern good afternoon I have a huge issue with Ditech XXXX account number of my loan is # XXXX The phone number is XXXX and their address is XXXX XXXX  XXXX XXXX XXXX Washington, XXXX XXXX United States On XX/XX/2017 I had to call Ditech XXXX to found out what my pay off is, they told me a payoff of {$1800.00} they also told me that the company policy I could not make the payment like I normally do on the computer or online I would have to mail my check with the payoff letter that they were going to send me in the email to a different location office on XXXX XXXX in XXXX Illinois the letter that they sent me was generated on XX/XX/XXXX I got the letter in the mail I cut a check for {$1800.00} for the pay off amount which you would see in my evidence file Im forwarding to you come to found out on XXXX XXXX the second day they generated the payoff letter my payoff had increase because they decided to pay my property taxes for XXXX XXXX of XXXX XXXX when they got my {$1800.00} check they never cashed it, I got call from them In the middle of XXXX telling me that I was delinquent on my mortgage when I question why so they told me that the payoff had changed I ask them why did not you and please cash the check I wouldnt of been late on my XXXX payment plus I never instructed you to pay my taxes after me paying off the whole loan with you We have no more business to conduct together they kept telling me that they will have a manager contact me and XXXX this matter out never heard from anyone what there are trying to do to me now Is ruining my life and Report to the credit agenciesmy XXXX payment is late Please I need you help this is a company if you look them up they are currently under two different class action lawsuit because what they did to me they did it to many other consumers I have paid these people XXXX payments perfectly on time never missed one in at the last payment they trying to my life Please please help me I was not late on the last payment in the evidence you would see a copy of my check

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: AMERICAN EXPRESS COMPANY
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 got a " Credit Card '' from American Express last year ( 2017 ). 

I made an error in getting this " Credit Card '' because it was not a common Credit Card ; they required you to pay 100 % at the end of each month. So I decided to cancelled it. 

Before cancelling the " Credit Card '' I made the following payments : XX/XX/XXXX : {$100.00} XX/XX/XXXX : {$450.00} XX/XX/XXXX : {$500.00} XX/XX/XXXX : {$400.00} Last days of XXXX, I called AMEX to please charge the FULL amount I owed at that time, and cancel the Credit Card. Because I only had it for 5 months ( or so ), they delete the annual subscription fee ( {$400.00} ) and told me that the amount due was {$2000.00}. So they did charge 100 % of the amount due on XX/XX/XXXX to my bank account. 

Since XX/XX/XXXX, I didn't have AMEX anymore, an nothing owning them neither. 

BUT, on XXXX I identified a late payment on my credit score from AMEX ... Called to see WHY and HOW, could I have a debt with them if I already called in XXXX and PAID 100 % and cancelled the credit card. 

They told me was an AMEX error, and deleted the late payment fees but anyway charged me {$120.00} -telling me that NOW I didn't owe nothing. 

BUT ( 2 ) ... In XXXX, again it appeared a late payment on my credit score, so I called back again.. they said I had 2 late payment fees, but was an error from AMEX.. so they delete those " late payments '' again.. 

The problem today, is that since XXXX that I told them to charge 100 % and cancel my credit card, they have been nice to delete those " invented fees '' but they say, that they are not able to delete that from my Credit Score I would appreciate you listen the calls and take action, because it's not fair to have " late payments '' for the las 4 months on my credit score because of their error. 

I appreciate your time. 

Best regards, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
chase bank is agressivly attempting to collect on the debt that is not mine. I did not sign a contract with chase for this credit card and this should not be reporting on my credit report. This accoutn was opened as a corporate credit account when I worked for XXXXXXXX XXXX they signed the contract and I was an authorized user and NOT an owner or a responsible party on this credit card. My numerous attampts to have chase cease and desist their collection efforts went ignored. I'm still getting calls for this collection at my house, work and now my parents house. Now I got a call from chase threatening to take me to court or arrest me if this account was not paid. please help this is not my account!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: Experian Information Solutions 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:
Credit agency is reporting thw wrong address on my credit report, it is a fraudulent address listed as ( XXXX XXXX XXXX XXXX XXXX XXXX ) is wrong. 

They are also reporting a fraud account on my report from XXXX Correct my address and remove the fraudulent address from my reports. 
Remove the Fraudulent account associated with that address as well, XXXX XXXX XXXX   XXXX # XXXX This is not my account. 

My CORRECT address is, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ny 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 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was part of the XXXX security breach. Not only is Transunion making it almost impossible to actually freeze my credit they are instead encouraging me to purchase their identity protection. It is bad enough I am going to have to pay for a credit freeze, but I have to jump though many hoops to do it. Freezing your credit should be basic and free considering you are forced into this system of having credit to pass a background check or purchase a home or car. Thank you for taking the time to read this complaint.

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 2017-09-13
Company: United Check Recovery Bureau, Inc.
State: AZ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was first contacted by XXXX XXXX with UCRB ( telephone number ( XXXX ) XXXX ) on XX/XX/XXXX claiming that he was with a firm and that I had been listed as a defendant in a complaint by a client of their office. He said he intended to inform me of my legal rights before the case was filed with the district court and to see if I had any questions regarding the contents of the case or would like to submit a statement in my defense. When I called, however, it was an attempt to collect money and I was told if I paid in full or set up recurring payments then we could settle the matter. I asked for validation of the debt in writing and XXXX XXXX said he would get a letter sent out. I continued to receive calls from XXXX XXXX XXXX and each time I informed him that I had not received a validation and that I would rather not discuss the alleged debt until I had confirmed the legitimacy of this claim. As of today, XX/XX/XXXX, I have yet to receive the validation of debt I had repeatedly requested. I spoke with XXXX XXXX XXXX again today in response to a voicemail he left me prior. I was informed that today was the end of my 30 days, though I was not aware that we had a timeframe, and that my wages would be garnished or I would have 30-90 days to pay depending on the judgement. I searched public records and have contacted the county I had previously resided in and the county I reside in now and both counties confirm that no paperwork has been filed for a case.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: SYNCHRONY FINANCIAL
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A person knocked on my door and without identifying and without asking that the person who opened is a XXXX years old girl and by rude and aggressive manner intimidate to sign the summon notice. my daughter is scary know because she saw the notice of XXXX situation in this moment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I signed a contract and took delivery of a XXXX XXXX XXXX on XX/XX/XXXX at XXXX XXXX in XXXX XXXX, La with financing being provided by Ally Financial. I have been disputing the reporting to the credit bureaus based on the fact that I did not receive statements from Ally Financial resulting in late payments. After disputing these results, Ally Financial mailed me a alleged copy of a letter from XX/XX/XXXX stating that the interest rate and all financing totals were wrong on the original contract and that they updated the contract without requiring my signature. My interest rate was changed from 13.04 to 14.99 percent without me ever being away of the change. I never received a letter regarding this change. The original contract was signed by both parties with the original amount and should have been binding. I was being charged higher interest rates for the life of the loan without being notified. This is a breech of contract and should mean the original contract is no longer valid. Ally Financial also indicated in a phone call to me that they sometimes do edit payment reporting for lost statements but would not do this in my case without providing a reason. The only explanation to this is discrimination based on something in my contract or profile that they do not want to explain.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
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: Information belongs to someone else

Complaint:
I am writing to dispute the following information that appears on my credit report from XX/XX/XXXX : XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$580.00}. I am a victim of identity theft and I never opened this account. 
XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$10000.00}. I am a victim of identity theft and I never opened this account. 
XXXX XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$2900.00}. I am a victim of identity theft and I never opened this account. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$10000.00}. I am a victim of identity theft and I never opened this account. 
Collection account from XXXX XXXX with account # XXXX and a balance of {$600.00}. The original creditor is XXXX. I am a victim of identity theft and this debt is not mine. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: EQUIFAX, INC.
State: MS
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:
The XXXX XXXX XXXX XXXX is suppose to be reporting monthly, the accurate balance, and payment status as current, but the latest credit report shows it was reported on XX/XX/2018 as showing the incorrect balance owed, and I have spoke with a bank represenative a month ago to try and resolve the issue to no avail. It is not helping my credit score to report inaccurate information. I have tried to resolve it but they are still reporting the wrong balance as {$370.00}, when I actually owe {$290.00}. MY credit report says the last time it was updated was XX/XX/2018. The account # for the secured loan, is, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: OneMain Finance Corporation
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
My cousin XXXX XXXX stole my identity back in 2015 and I was made aware because she tried to use my name during a traffic stop I was advised by the police IMPD to get a finger print card and carry it with me. Shortly after I would say 6 months I started seeing things on my credit report that I never had in my possession. After a long disputing process I got everything thing removed due to fraud. Now after thinking it was over I started getting garnished by a company for a loan I never got. I never received any court dates or any hearing notices because they were sending them to my old address. Even after they got the garnishment approved via my job and received my new address they still havent sent any paperwork to my current address and its on file but the company is garnishing my checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: TD BANK US HOLDING COMPANY
State: NY
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-21
Company: SUNTRUST BANKS, INC.
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I payed XXXX dollars for Gap Insurance an expected XXXX dollars return.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: Experian Information Solutions 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 contacted Experian after being denied housing due to my credit report. After imitating several disputes and spoken with a customer rep. I requested a copy of the consumer contract of all account that are affecting my account negativity as well as the the companies that have pulled an hard inquiry on my credit without my consent and the customer rep refused to mail it to as well as any other information that would verify that these are my accounts. Or I have given the companies permission to access my account and pull a hard inquiry The companies are- whom are negatively reporting XXXX XXXX XXXX and the actual debt had already been reported once and removed and.now being reported again. 
The customer rep refused my right to exercise my rights according to the la The hard inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX unspecified reason XXXX XXXX XXXX XXXX XXXX XXXX- unspecified reson XXXX XXXX XXXX - unspecified reason XXXX XXXX XXXX XXXX XXXX unspecified - XX/XX/16

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX, There was a credit card opened in my name through the XXXX XXXX XXXX in XXXX. This is for a timeshare. I canceled the timeshare contract within the right of rescission period. Mailing all documents, certified mail to XXXX XXXX in XXXX. I was credited for the majority of the charges, minus {$95.00} for 'promotional materials '. I did not know i had to return any promotional materials as this was never discussed nor verified in any materials. After 60 days,, XX/XX/XXXX, Bank of American re-billed the credit card account for the disputed {$95.00}. Stating that I would need to dispute the charge by providing any additional information by XX/XX/XXXX. I did not receive the document until XX/XX/XXXX. At that time, I called and told them I will mail back any promotional materials I received, as I was not allowed by XXXX XXXX to Return the promotional material to their local location, instead having to mail it to their office at XXXX XXXX   XXXX, ATTN : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX. 
I returned the promotional material via certified mail which they received as of XX/XX/XXXX. I have a copy of the return receipt as well as the letter I sent to the company requesting refund of the {$95.00}. I was in contact with Bank of America during this process and they said via their customer service that as long as i have a tracking number for the returned promotional items, that they would notate the account. I attempted to provide this to their employees and they transferred me to their Merchant Dispute Department on XX/XX/XXXX at XXXX. I explained I did not receive their letter until well after the 'closing date ' of their final dispute and they stated, it was electronically sent, I do not have this listed in their Bank of American Application and told them so. They said there's nothing else they will do for me as the time-frames have passed. I was told this by their 'manager/supervisor ' XXXX XXXX in Employee Billing. XXXX XXXX, XXXX. I would like for the CFPB to review this claim and I can provide details as to the certified mail for both the initial right of rescission as well as the return of any promotional materials.

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 2020-10-14
Company: Holloway Credit Solutions
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Due to Covid 19 I recently obtained copies of my free credit reports and noticed accounts I did not authorized. This company has violated my privacy rights as a consumer per 15US1692B.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: NAVY FEDERAL CREDIT UNION
State: ME
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Someone gained access to my online bank account and transfer {$4500.00} from my checking account to a XXXX XXXX XXXX Account XXXX indicating I am the owner of this XXXX XXXX XXXX Account. I do not have a XXXX  XXXX XXXX Account, and the account is not mine. I have contacted XXXX XXXX XXXX myself and confirmed this is not my account. My bank is holding me accountable for the lost, denied my fraud claim. They argued that since the transfer was originated from one of my devices according to their IT, so I 'highly likely have made this transfer '. I did  not create the external account indicating its my account in my online banking account, then transfer {$4500.00} to this particular account I have no access to. 
I did not authorize the transfer of {$4500.00} from my check on XX/XX/2018. I informed the bank of this unauthorized transfer on XX/XX/2018. I do not have access to this external XXXX XXXX XXXX Account, and it is not under my name. My bank is only willing to send a letter to XXXX XXXX XXXX to request the return of {$4500.00}, and they did not iniliate the transfer after a week of me informing them. My bank known the external account is not mine, even despite it indicate it is transferring to me, but holding me accountable without evidence proving I made the transfer. My Bank is : Navy Federal Credit Union Account Number : old ( compromised account ) XXXX new:XXXX  Call NFCU multiple times each day. Submitted appeal over 10 days ago. First was told they received the appeal and it takes time. Then was told today they didn't receive the appeal and I would need to resubmit the appeal. Called three times today to ask to speak to the agent who handled the case but was told she can't speak to me. In all three calls today I was told no one is working on this case or looking into it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation