BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-18
Company: Ditech Financial LLC
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In response to Ditech 's letter, I have included the FTC Identity Theft Report and the Police Report in order for them to investigate further as they stated. As you can see, Ditech 's Mortgage Statement and Ditech 's Insurance Policy names me as the borrower and Ditech as the Lien Holder. Ditech has created a fraudulent account using my personal identification to unjustly enrich themselves. By creating a fraudulent account with my name and without my authorization, Ditech is in violation of the False Claims Act and a conspirator to defraud the U.S. Government. 
Because discharges of debts and new mortgages are not publicly recorded, these are excellent opportunities for Banks, Lenders, Mortgage Servicers, Foreclosure Law Firms and Title Companies to create fraudulent documents when needed to defraud the U.S. Government, Insurance Companies, Investors, Homeowners and the U.S. Tax Payers. A perfect example of this is that my property was previously and currently listed on XXXX for sale by XXXX XXXX XXXX. In XXXX XXXX loan purchasing sale contract in Addendum A it states : ( 5 ) No Recording. Buyer agrees that neither this Contract nor any notice or memorandum hereof shall be recorded in the Public Records of County or State where the Property is located or any other public records. Buyer shall constitute a material breach by Buyer of this Contract and shall entitle Seller to invoke the defualt provisions hereof. 
XXXX has stated that they received their loan file from Ditech. Both XXXX and Ditech have been receiving HUD disbursements in violation of the False Claims Act. In reference to my loan and subsequent foreclosure and eviction, Ditech and XXXX have violated the False Claims Act, SEC Laws, the FTC, the Fair Debt Collections Practice Act, the Fair Foreclosure Act, the Dodd Frank Act, the National Mortgage Settlement, committed perjury on the Courts and Bankrutpcy Fraud. Submitting fraudulent documents and omitting documents to the court to obtain a judgment in your favor, makes the basis for any case, weather ultimately favorable or not, fraud and the case itself and the documents  contain therein still fraudulent. 
I am XXXX XXXX due to an accident and suffer from XXXX XXXX as a result of my injuries. This disturbing process of foreclosure and eviction has exasperated my already painful and XXXX medical conditions and caused new ones to develop. My husband has XXXX  XXXX XXXX and also suffers from XXXX XXXX, and is seeing a XXXX for XXXX due to these false claims, the foreclosure, and the imminent eviction from our home. The results stemming from the fraud that has been committed against our family including our XXXX children, have been devastating, both in mind and body and caused tremendous emotional distress.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-14
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a call from XXXX this morning they have been calling multiple times a day while I am at work. I let her know that I would not be giving out my credit card information over the phone and she became very aggressive not letting me speak and telling me that I was on camera and what not. She then began to state that my credit would be severely damaged and I would be sued. So unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Excessive Credit Pulls from the same company. 

Spoke with XXXX XXXX XXXX they confirmed XXXX XXXX XXXX XXXX XXXX pulled my reports in access of 6 times. They have completed investigation and requested inquiries be removed. hese are still showing on my bureau. They agreed there is no reason for multiple pulls in 24 hr time span. 

Credit Bureau used Equifax & XXXX dates pulled XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

XXXX XXXX did not have the authority to continue to pull my report multiple times in a few days. Date on the application was XXXX XX/XX/XXXX. They were not authorized to continue to pull. 

Please remove inquiries from my credit bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
On or about XXXX XXXX, 2017 XXXX issued a refund to a secondary account on this card, the name on that account was XXXX XXXX, in the amount of {$3800.00} with a reference number provided by XXXX of ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Rausch Sturm LLP
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I take XXXX XXXX XXXX XXXXXXXX to court to lower a garnish in court the judge secretary hand me a paper was sent to them say garnishment stop and paid in full it's was 3yrs ago and they sold my bad debt to different collections agencies Rausch Sturm LLP debt collectors and that company sold was form XXXX the amount own XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
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: Account status incorrect

Complaint:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please ELIMINATE the account completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
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:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam : Re : Equifax Confirmation # XXXX I have approached XXXX XXXX XXXX XXXX multiple times to correct the fraudulently occurred reporting by XXXX XXXX . Equifax is refusing to remove the delinquent data from my Credit File. Credit Report reflects serious delinquency, and hence, my credit rating is severely damaged, causing difficulty to get refinance done at eligible terms. 

Similar approach is done to XXXX XXXX, who already removed the said item from my credit file with them and provided a confirmation to that effect. 

Therefore, I request your intervention to rectify the situation at your earliest convenience. 

Thank you Yours sincerely XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-04
Company: SUNTRUST BANKS, INC.
State: MD
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:
SUNTRUST BANK- CREDIT CARD DISPUTE- CASE # : XXXX I filed a chargeback in XXXX, XXXX with Suntrust Bank against XXXX an online merchant for a dress that I ordered on XXXX website from XXXX on XXXX/XXXX/XXXX which is defective and not as described. On XXXX XXXX, XXXX, I faxed documents such as pictures, messages between me and seller requesting for refund to Suntrust Bank. On XXXX XXXX, XXXX, I was issued a temporary credit of {$130.00} for the dress and on XXXX XXXX, XXXX when I received a letter from Suntrust Bank requesting for additional information, I learnt that the chargeback was denied and the credit removed from my account because the merchant and seller provided evidence that the item was shipped to me. I disputed the transaction because the dress I received is not as described and not because I did not receive the item. If Suntrust Bank compared the dress I received with the picture of dress provided by seller and merchant, they would have noted the difference in the item I received. I had already provided all the evidence about this case to Suntrust Bank including pictures of the dress and I indicated on my complaint that seller has refused to provide me their shipping address and have not been able to return the item. The seller wants me to keep defective item. In the past, I had provided documents requested promptly before the deadline and the recent correspondence that Suntrust Bank mailed to me was dated XXXX XXXX, XXXX but I received the mail on XXXX XXXX, XXXX. The seller initially offered me a partial refund of {$50.00} which I refused to accept and demanded fro a full refund. Seller also refused to provide shipping address when I told them I wanted to return the dress. If the seller has a valide claim, he would not offer a partial refund of {$50.00}. Also, if Suntrust Bank is diligent in their investigation, they will know that the transaction is not valid because the seller accepted to give me a partial refund of {$50.00}. I would appreciate your assistance in recovering my money- {$130.00} from Suntrust Bank and the Merchant- 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 2021-02-15
Company: Fidelity National Financial, Inc
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
JUST RE-SEND THE CHICAGO TITLE POLICY I PAID FOR WHEN I BOUGHT THE HOUSE IN 1999 VIA THE CFPB WEBSITE. Chicago has marked my request as duplicate without sending the requested title policy via the CFPB website. This complaint is unanswered!! If I need to re-open a new complaint I will in order to get a copy of the title policy I bought with the house in 1999.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
1 ) Synchrony Bank is illegally charging improper late fees.

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 2021-10-21
Company: Monterey Financial Services LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Monterey Collection Services is saying I owe them {$420.00} on one credit bureau and on the other credit bureau {$370.00} for the same collection which is a red flag and error.I have never done business with them I have no contract with them or obligation. 
At the same time theyre violating HIPPAA . 
Again I have no contract with Monterey Collection Services and they have no validation of me doing business with Monterey Collection Services company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-06
Company: Experian Information Solutions Inc.
State: TN
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:
I sent a certified complaint to Experian ( EX ) about late payment and derogatory inaccuracies it has been over thirty days and I have not received the results. I am requesting that all of the derogatory information be removed.

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 2021-10-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I have 2 hard inquiries from Capital One Auto Finance company for trying to get a loan for some type of auto Financing, one on XXXX XXXX and another for. XX/XX/2021 and it wasn't me who applied for it, this inquiry is not mine and it's affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/2021, I submitted an application for a rental house. The application got sent back because they could not find any credit data from Equifax. I called Equifax on XX/XX/XXXX and they said to launch an investigation which would take 30 days after they receive all the documents. I do not have this sort of time as I just PCS 'd ( in the military ) and only have 7 days left to find a house to live in. After researching this issue a bit, people mentioned Equifax has this issue sometimes. The other major bureaus have my credit report ( XXXX and XXXX ) so it is an issue on Equifax 's end.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: Early Warning Services, LLC
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I tried purchasing a electric bicycle from a seller though the app offer up. After he explained that the app didn't allow for shipping for we moved our conversation to a private chat through regular SMS conversation. 

He offered sending me the shipping label before I would transfer my payment for {$710.00} through the payment service Zelle. I agreed and upon receiving a shipping label of an oficial UPS store with my correct shipping address, I transfered the agreed money to the seller. He confirmed receipt and shared with me the tracking number. This tracking number never got uploaded or got active in the UPS tracking system and after asking this to the seller, he stopped all conversations with me. 

I called my bank ( XXXX  ), to report the scam, unfortunately they were not able to give me any type of case number or told me if they were going to refund or protect me from this issue. This is the first type of report XXXX issue with my bank and I have a great standing relationship with them with two credit cards under my account with 100 % payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: EQUIFAX, INC.
State: DE
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:
On two separate occasions i have repeatedly asked the credit bureau to verify the accounts to be named and send me proof of validity. They have not and only sent back as it is mine. These accounts do no belong to me and belongs to someone with my same name. The accounts are : XXXX XXXX XXXX # XXXX and XXXX # XXXX. 
The above mentioned accounts were removed and then placed back on my account. PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: U.S. BANCORP
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX, my first Complaint ID # XXXX, US Bank informed me that " The company needs authorization from me to proceed with my complaint - there is an unauthorized third party on XXXX. '' Another response sent to XXXX  from US Bank via Secure Messaging stated that US Bank was " trying to locate their client for a debit authorization. '' Once US Bank located their scammer account holder, access was denied from the fraudulent transaction in which US Bank then requested a Hold Harmless Letter be sent to them from me at XXXX XXXX  ; HH Letter sent notarized directly from a XXXX  Banker to US Bank on XXXX, still with no status updates or reversals to-date. 

I don't understand why a Debit Authorization was needed from their fraudulent US Bank account holder, but a XXXX Police Report, FBI Report, Action Fraud XXXX  & XXXX Police Report have all been filed against XXXX XXXX XXXX as she impersonates an employee at XXXX XXXX in a job scam & stole my {$2600.00} USD with no trace of her. US Bank sent a message to XXXX  which informed me via XXXX Secure Messaging that the case was closed but to send in a Hold Harmless Letter to US Bank for further processing in which I've followed all instruction thus far. What is the status & receipt of my Hold Harmless Letter?

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 2021-04-17
Company: JPMORGAN CHASE & CO.
State: NY
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 am writing to dispute a billing error in the amount of {$6000.00} on my account. The amount is inaccurate because your company has taken the amount out of my bank on the XXXX. 
I called into your company advise that my one account is blocka and money was taken our of my account twice. I am requesting that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement. 
Please investigate this matter and correct the billing error as soon as possible. I am also will report this error and all my billing evidence to the FEDERAL TRADE COMMISSION INCLUDING PHONE RECORDINGS AND BILL STATEMENT. 
In addition, I would like you guys to stall my payment until I got a response from the federal trade commission and the better business bureau. Recently, I have been in contact and your company has not f/u on request to investigating this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
While inquiring about trading in my vehicle to purchase a new/used vehicle, I went to several car dealerships ( ex. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ) and each dealership that I went to I explained to the sales person as well as to the finance manager that I did not want my credit ran multiple times nor to multiple banks as this would lower as well as have a bad impact on my credit score. I also explained to them how reluctant I was with signing the application because of those reasons as well and ever time they stated " oh the banks will notice that you are car shopping and if there are applications to the same bank they will only count as one if it 's within a 30 day period '' I am just now finding out that they all have provided me with inaccurate information and that if it 's more than 1 of the same inquiry to the same bank or company within 30-45 days only 1 inquiry should be showing up not 1 for every inquiry. I have notified the dealerships and the banks asking them to remove these inquiries from my credit report, however they continue to pass the buck. The credit bureaus ( XXXX and XXXX ) says they ca n't remove inquiries and to call the dealerships and dealerships say  they ca n't remove inquiries and to call the banks, the banks says they are n't the one 's who requested the inquiries call the dealerships. XXXX stated that they ca n't see that far back to pull the application from XX/XX/XXXX. XXXX ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), Capital One ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), XXXX also known as XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) and XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ). I was just recently informed that XXXX XXXX ran my credit to XXXX banks which is unacceptable when I specifically asked them not to. As a individual that work hard for their money and try to have things where its feesable for my pockets, I get very upset and find it disturbing that car dealerships will lie to customers in order to benefit and get over just to make a sale. As a customer these are people that we put trust into and they have let us down. It is extremly difficult to get a new vehicle, buy a house etc. with all of those inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: DISCOVER BANK
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have a hard inquiry from Discover that is incorrectly reporting on my credit. They also said it wasn't going to be a hard pull but now that I have access to my score/report, I see that is not the case. This is unfair because these major institutions already know the consequences of these things on your report yet they don't care to remove them when you ask. This limits my ability to attain funding for my business/investment in the United States. 
Furthermore, XXXX took a hard inquiry on my account when I was still immature about my credit. I asked them if it shows up on my credit score and the employee told me " No, it shouldn't ''. Now that I am looking at my score with more knowledge of how it works, I want to get my hard inquiries removed if at all possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
RECEIVED NOTIFICATION THAT COLLECTION WAS PLACED ON CREDIT FILE. NO INFORMATION RECEIVED TO VERIFY OR VALIDATE DEBT WAS OWED BY ME. THIS IS IN VIOLATION OF THE FCRA.

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