BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-18
Company: Experian Information Solutions Inc.
State: AZ
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 was was alerted by Experian that there was a new loan on my credit file, I tried to contact XXXXXXXX XXXX and they would not really help me I mention to them that this is fraud and they would not even flag account as fraud, they mention someone 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 2020-08-11
Company: WELLS FARGO & COMPANY
State: MA
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 see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2022-05-18
Company: Block, Inc.
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Claim filed with CashApp on XX/XX/2022, charges were when I was sleeping starting XXXX XXXX  XX/XX/2022 into the morning ( claim denied on Monday ). Claim/Reference number is XXXX. ALL PURCHASES TAKE PLACE IN CALIFORNIA, I live in Alabama and XXXX and XXXX are not even located here XX/XX/2022 XXXX XXXX  {$15.00} XXXX XX/XX/2022 XXXX XXXX  {$75.00} XXXX XX/XX/2022 XXXX XXXX  {$75.00} XXXX XX/XX/2022 XXXX XXXX  {$75.00} XXXX XX/XX/2022 XXXX XXXX {$220.00} XXXX XX/XX/2022 XXXX XXXX  {$200.00} XXXX XX/XX/2022 XXXX XXXX  {$200.00} XXXX XX/XX/2022 XXXX XXXX  {$200.00} XXXX XX/XX/2022 XXXX XXXX  {$390.00} XXXX XX/XX/2022 XXXX XXXX  {$200.00} XXXX XX/XX/2022 XXXX XXXX  {$200.00} XXXX XX/XX/2022 XXXX XXXX  {$5.00} XXXX  XX/XX/2022 XXXX XXXX  {$10.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: HW Holding, Inc
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was contacted by XXXX XXXX from Hunter Warfield on XX/XX/2022 at XXXX XXXX. She informed me she was attempting to collect a debt from XXXX XXXX, my previous apartment complex. She inquired about " what could be done to settle the debt today ''. I asked about the debt amount and etiology of the charges. She stated I owed {$1700.00} for " damages and early lease termination ''. She was unable to specify the type of damages or further information regarding the debt. She also informed me that I was sent to collections alongside the previous co-tenant. I discussed that I had an ex-parte restraining order against the co-tenant and that I had a detailed video of the apartment when I moved out. She asked me to email all the documentation to XXXX. 
I emailed the documents at XXXX XXXX  on XX/XX/2022. I second a second email on XX/XX/2022 at XXXX XXXX  and requested a debt validation letter containing itemized information regarding the debt, as well as my liability. I further requested information pertaining to the total amount of debt, the date of which the debt was submitted to collections, details of etiology of the debt, and information that irrefutably associated the debt to my obligations. I received no response. 
I spoke with a representative on XX/XX/2022 at XXXX XXXX  and requested the collections case be closed due to the company violating Section 809 of the Fair Debt Collection Practices Act. The representative said that Hunter Warfield is " still waiting to receive detailed information regarding the debt from the original creditor ''. I discussed that, per Section 809, the company has within five days after the initial communication to provide a written notice containing specific information. I requested to speak with XXXX XXXX, the original representative who contacted me, and was informed that XXXX was " unavailable ''. I requested to speak with a supervisor, but was told the supervisor was " not available ''. Finally, I requested to speak with a manager above the supervisor or a member of upper management, and the representative informed me that was not possible. I requested a return call from the supervisor. I did not receive a return call on XX/XX/2022 and left a voicemail requesting a return phone call on XX/XX/2022, I did not receive a return call.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In order to save our home from foreclosure in XXXX, XXXX, while we were negotiating a loan mod with XXXX XXXX XXXX, we filed Chapter XXXX. They finally did a loan mod in late XXXX, XXXX. The loan mod was not the greatest either. They extended the term to 40 years @ 4 % and moved the loan to Ditech. We have been making payments direct to Ditech ever since. The Chp XXXX was completed and discharged in XXXX, XXXX. Ditech has refused to acknowledge the completion of Chp XXXX and have not reported to any credit bureau that we have been making payments direct to them for the last 3 plus years. Our credit reports should reflect all the timely payments made to Ditech. Our credit score remain a XXXX '. We are XXXX and are unable to purchase new equipment or get a credit line. We are unable to rebuild our credit due to Ditech 's failures.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My Experian report has the following errors : Company name is spelled incorrectly- it should appear as XXXX XXXX. Also my debt to income numbers are way off. My mortgage and credit card bills total {$1800.00} ans my income after taxes is {$6500.00}. The report states thats its : Debt : {$2300.00} Income : {$4500.00} How do I fix this? 

Thanks, 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 2015-06-22
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Since Green Tree Servicing has taken over the servicing of my home loan they have relentlessly called me every time my payment was even a day past due, sometimes XXXX times per day. They have also ( on XXXX occasions ) falsely reported to the credit bureaus that I have been 30 days delinquent on my mortgage. They are difficult to contact and just plain rude when I am able to get hold of someone. I do n't understand how a company such as Green Tree is allowed to operate using such malicious tactics.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Experian Information Solutions Inc.
State: CA
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 went to a car dealership and they said they were only going to pull my credit one time and they pulled it multiple times without my permission! I don't recognize the other inquiries listed.

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 2022-05-18
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
In accordance with the fair credit Reporting act PROGRESSIVE MANAGEMENT SYSTEMS, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-07
Company: BTH Management
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Plaza Services XXXX I checked my credit report to find that this company was reporting an account for XXXX for {$590.00} I called to inquire about it, spoke to XXXX. She stated they purchase the account. told her it was not a valid purchase, and she said it was an account that was opened in 2014. I asked her for the account and company 's contact info. she told me she did not have access to it, that I would have to Google it. I told her, her company had me in collections they purchased the account she should be able to give me the information. She told me they were not a collection company, they are a holding service (?? ) I asked her how then is Plaza Services reporting this account as in Collection if they are not Collection service. I contacted every XXXX. # I could find, They have no record of me at all, and said even it was 10 years from before they would have a record. I am not only reporting to XXXX but to the FTC as well, and have made an appointment with my attorney to file suit. I was in chapter 7 bankruptcy, this is not my account. they are in violation of Federal Bankruptcy Law as well as Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-22
Company: JPMORGAN CHASE & CO.
State: OR
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have a car loan with Mazda Capital Services ( serviced by Chase ). My minimum monthly payment is {$290.00}. I have paid, from the beginning of the loan on, {$300.00} each month, with the expectation that the {$9.00} paid over the minimum monthly payment amount be applied towards principal on the loan, reducing the principal for the remainder of the loan, and in effect also reducing the interest for the remainder of the loan. 
Upon reviewing a monthly statement from Chase, I came to the realization that Chase has been applying the monthly payment overage to the following payment by default. 
I contacted Chase on XXXX/XXXX/2016 at XXXX XXXX XXXX, and spoke with a representative by the name of XXXX XXXX I explained to XXXX that applying payment overage to the next monthly payment coming due is not in the best interests of the consumer, as it effectively cheats them out of the reduction of principal and in effect, reduction of interest the consumer would see for the rest of loan. 
I asked XXXX to reapply my payments retroactively so that the overage from the first payment made on the loan on has any amount paid over the minimum monthly payment amount applied to principal, in effect reducing the interest paid from date the payment was made on, due to the reduction in principal that occurred on the date the payment was made. 
XXXX stated she could only reapply the amount paid towards the next payment currently coming due to principal. 
I explained to XXXX how doing that would reduce the principal as of today, and in effect reduce the interest paid on future payments from today on, but would, whether intentional or not, effectively cheat me out of the reduction in principal and interest I would have seen had the monthly payment overages been applied retroactively from the first payment made on the loan on, as I had requested. 
I insisted XXXX honor my request and have the payments reapplied as I requested, retroactively, and asked to speak with a supervisor. XXXX advised me that she would have a supervisor contact me in 24 hours. 
I explained how I feel that a business open for business should have a supervisor available when I call in, stated I am willing to wait on the line to speak with XXXX, and that is unacceptable to have XXXX call me back in 24 hours. 
I work XXXX jobs during the week, and called on a weekend because this is when I have the time available, and see the call back as a way to prevent me from following up and resolving this issue. 
Ultimately, XXXX agreed that her only option would be to have a supervisor call me back in 24 hours, so I am unable to wait on the line to speak with a supervisor to resolve this today, not due to my own decision, but rather due to Chase 's choice in how they do business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Intent To Sue XXXX XXXX of Midland Credit Management for Defamation of Character, Mental Anguish, and Emotional Distress, and Federally Protected Consumer Rights Violations under 15 USC 1692 and Fair Credit Reporting Act Violations under 15 USC 1681. 


Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: EQUIFAX, INC.
State: NJ
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX  has violated my rights, 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX  has violated my rights, 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Company: JPMORGAN CHASE & CO.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am working with Chase on an FHA short sale that has been delayed due to Chase not complying with HUD and FHA short sale rules. Chase is not providing the needed items to HUD for the approval to proceed with the short sale request. I have escalated this issue with Chase internally with no resolution and have also escalated this to HUD. 
Chase needs to comply with HUD 's " pre-foreclosure sale '' procedures - we have an active buyer who is going to terminate if we do n't have any results in the next week or XXXX. 
Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Attention Executive Office : I 've yet to receive a resolution to the issue previously submitted for an ACH withdrawal in the amount of {$140.00} which was transferred from my XXXX XXXX XXXX account to my Son 's Chase checking account. I have included proof of the transaction as well as my attempt to resolve this with my financial institution. The original case number is XXXX. 
Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04
Company: JPMORGAN CHASE & CO.
State: DC
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
This is a follow-up to Case XXXX. Chase Bank cancelled the account at issue there and issued us new cards with a new number. However they are now interrogating merchants who received payment before the old card was cancelled.I have received calls from my dentist, pottery studio, exercise studio, and beauty salon all informing me that Visa has asked them for numerous documents and charge slips from payments which I made. The beauty salon said Visa told them that I had challenged a charge. That is not true. At no time were we ( my husband and me ) contacted about any of this. When I called Visa they said the cancelled card was being investigated for fraud and someone would call me back within 48 hours. I received no call. The person who we previously spoke to at Chase assured us that this was their mistake, could offer no explanation as to why the merchants I deal with are being harassed, and said there was nothing he could do about the situation.I am quite upset that people I do business with are being harassed over my account, particularly because there is no fraud involved here, rather, as explained in the previous complaint, the cancellation was due to Chase mistakenly cancelling our card allegedly because someone with the same name as my husband asked that it be cancelled - anexplanation which we find dubious.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-19
Company: Experian Information Solutions Inc.
State: IL
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:
Hello my name is XXXX XXXX XXXX and I am submitting complaint without error or influence of any third agency. Please see my attached documentation as it contains my request.

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 2022-05-19
Company: Bread Financial 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 first noticed fraud on my credit report in 2021. I thought it could be a mistake and it looked as if a credit card was opened and paid off that I did not recall doing. Then another card was opened and not paid off. It is 90 plus days past due and I did not open it. Its a credit card under Comenity Bank XXXX XXXX opened in Ohio under my social security number and name. It was opened in a XX/XX/2021 and I disputed it online but it is still active. I have disputed with the credit card company and XXXX. My credit keeps decreasing almost every day. My credit has gone down more than XXXX  points. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-19
Company: LJ Ross Associates
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The final bill for XXXX was paid directly to them, not a collect agency yet they continue to report to the credit bureaus as if I did. My final bill never reached me since I moved once my mail was routed properly, I was able to pay the bill as soon as I received it. The collection never even contacted me to begin with, they just showed up on my reports. That is not what the law states and they are breaking it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: Selene Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2022, my bank mailed a payment to my mortgage company for the XX/XX/2022 payment. The company received the check on XX/XX/2022 and has not applied the payment. They are now charging me a late fee. 

On XX/XX/2022 a payment was sent for the XX/XX/2022 payment. The company received the payment on XX/XX/2022 and waited until XX/XX/2022, nearly three weeks later to apply the payment. 

This company continues to do deceptive things to trick homeowners into additional fee. I have called and asked to speak with a supervisor and no one calls you back.

Company response to consumer: Closed with explanation