BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-22
Company: Experian Information Solutions 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:
In Accordance with the Fair Credit Reporting Act .... XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Has violated my rights. 15 U.S.C 1681 Section 602A : States I have the right to Privacy. 15 U.S.C. 1681 Section 604A 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 non-monetary relief
Consumer complaint received 2016-04-06
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We have XXXX mortgage loans with Ditech. We are having problems with our payments being applied to the correct accounts. Because they took payments and applied them to XXXX account and not the account we specified, it caused us to receive a foreclosure notice for XXXX of our loans. All along we were in contact with Ditech agents and they informed us that this account was up to date several times and that we did not owe any payments, yet. We then paid an amount specified by the agent that would bring our account up to date and then we would only owe for our next payment. Today we received a letter saying what we paid was only a partial payment and that we still owe {$700.00} plus dollars to bring out account current. The agent that we spoke to said that we did not owe anything else until our next payment. In addition, our other loan payments are also questionable because we are unsure if they were properly applied to the correct accounts. 
The second problem is that Ditech refuses to speak to my husband about our mortgage accounts even after I have written letters giving him permission and had directly spoken to several agents giving my verbal permission, to discuss the loans on my behalf. My husband is a financial provider and his name is on the deed, just not on the mortgages. The mortgages are in my name only. I do n't understand why this is a problem. 
We would like these problems resolved. We do not want Ditech to attempt to take our properties because they can not keep their records straight. From this point on we are writing all names of agents, dates of payments, and keeping check of our bank records to ensure that our payments are properly credited. At this point we do not trust Ditech. 
I have attached a copy of the mortgage that had payments misapplied and the foreclosure notices that we received at our home. The statement shows that the account was current. We received XXXX of the foreclosure notices, XXXX regular mail and XXXX return receipt. They also sent XXXX to the property address, which is a rental property. All of our bills come to our billing address so I do n't know why they would send them there. That is not where we live or receive mail.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-24
Company: Comerica
State: FL
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I filed a dispute and provided proof of RMA ( Return Merchandise Authorization ) and that I was unaware of what the other charges from a related company were for. Unlike any card company I have ever dealt with they denied the claim and sent me back to the merchant even with proof that I returned the product.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: EQUIFAX, 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:
These inquiries on my credit report were not from me 1. XXXXXXXX XXXX XXXX ( XXXX ) XX/XX/XXXX 2. XXXX ( XXXX  ) XXXX XXXX, XXXX 3. XXXX XXXX  XXXX XXXX XXXX XXXX  ) XX/XX/XXXX 4. XXXX XXXX ( XXXX ) XX/XX/XXXX 5. XXXX XXXX XXXX XXXX ) XX/XX/XXXX 6. XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: EQUIFAX, INC.
State: TN
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 number 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: BTH Management
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a call from this company looking for a former relative of mine. 
The persons name was XXXX, and I told her that the person she was looking for did not live at this number, but since the person has the same last name as me, XXXX asked me did I have this persons number. 
I gave her the last known number I had for the person, and asked XXXX to take me off the call list because the person she was looking for did not live with me. 
On XX/XX/19 I received another call from the same company, this time from someone named XXXX. 
I told him the same thing I had told XXXX, that the person he was looking for did not have this number, and to please stop calling me. 
On XX/XX/2019 I mailed the company a Demand for Damages for excessive Telemarketer Calls, because my number is on the National Do Not Call List, and has been on the list since XXXX. 
What this company did is against the law, and something needs to be done.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-10
Company: AUTOMOTIVE CREDIT CORPORATION
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
To Whom It May Concern, My name is XXXX XXXX XXXX I have had a truck loan with Automotive Credit Company for 5 years I am a XXXX XXXX Veteran and this company harassed me by mail and phone calls telling me my payments or late. I have never been late on a payment I just checked my credit score XXXX is giving me a score of poor XXXX because they have reported me XXXX XXXX, 2016 last payment late my last payment was in XXXX XXXX, 2016 and on XXXX my payment history for my loan has been removed why would they do this. I strive on paying my bills on time and after 5 years paying {$11000.00} dollars being charged in interest a total of {$22000.00} dollars for my truck I do n't deserve this. I have n't checked XXXX because this information on my credit is incorrect and very harmful to my credit score I will check XXXX and give you a follower up. Thank you in advance for correcting this problem Now XXXX!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: EQUIFAX, INC.
State: AR
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: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Company Inquiries : ALLY XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: Receivables Management Partners, LLC
State: IN
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My wife and I have a medical debt that is currently being held by IMC Credit Services. One of their employees by the name of XXXX XXXX used his personal cell phone to contact my wife in connection of this debt. His number is XXXX. This communication tactic was intentionally misleading and violates the FDCPA. XXXX XXXX also utilized IMC Credit Services business line to contact my wife at her place of employment, and cell phone. I had previous correspondence with this agency and made a verbal request on a recorded line to only make verbal communication through my cell phone number, which they failed to do on several occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: FIRST HAWAIIAN, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX, & XXXX have 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02
Company: JPMORGAN CHASE & CO.
State: SC
Product: Credit card
Issue: Balance transfer

Complaint:
I deposited a Chase Freedom credit card Balance Transfer check into my personal XXXX XXXX XXXX checking account per the instructions on the offer. I made sure I had sufficient available credit including fee 's. The check was for {$9300.00} and was returned on the 5th business day as insufficient funds. I called Chase and after getting transferred around and cutoff I finally spoke to a supervisor. She said that XXXX XXXX XXXX sent/processed the check as a CASHED check and not a deposited check. Therefore Chase treated as CASH ADVANCE and not A balance transfer and that my credit line for cash advance was insufficient. I deposited the check to my XXXX account using Mobile Check Deposit. I did not receive any cash at that time and never received cash. The offer clearly says I can make the check payable to myself and deposit in my checking account and it would be treated as a Balance Transfer. I called XXXX and they informed me that THEY do n't control how the check is handled when Chase processes it. And they immediately refunded the fee. When I called Chase back the supervisor said it is not Chases fault, that the offer is no longer available but they had one almost as good but it would take 5-7 business days for money to arrive in my account. So I had to find another source of cash to cover the negative balance in my account for 12 business days. I specifically told the supervisor what XXXX XXXX XXXX said and that I expected Chase to honor the original promotion and immediately cover the negative balance and call XXXX to have fee removed as I did nothing wrong and complied EXACTLY with the promotional terms of the balance transfer offer. She said she would not. I asked her to process a new transfer using the new less favorable terms and just waited the 5-7 business days. I informed her she has lost a customer for life after this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: EQUIFAX, 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:
Dear CFPB, I hav contacted XXXX XXXX numerous times to get some resolve with account ending in # XXXX in which there is an existing CFPB complaint XXXX where an investigation was started. XXXX XXXX did in fact react out to me to advise that they are looking into the matter but the last communication was XX/XX/XXXX. I would like to know if they can't get me the information that they are reporting to the credit bureaus about a fraudulent account then how and why are they saying this is a valid account when they can't give me answers. Times are difficult right now for a lot of people and I've been dealing with this which is damaging my creditworthiness and has been for awhile now. 

I've expressed to XXXX XXXX that someone used my ID, my social etc and opened this particular account. I was recently contacted by the Internal Revenue Service where someone filed my XXXX taxes even though I myself haven't even filed. I am not sure if XXXX XXXX just want to damage a persons life more or what but it sure seems this way. Again, I dispute with the bureaus and they verify and say it's valid but XXXX XXXX case # XXXX has not been helpful at all in the matter. At this point it's been since XXXX and should be deleted based on the shortcomings alone that I've been put through. 

I am also asking that XXXX, Equifax, and XXXX look into this matter also and tell me how they are validating an identity theft account? I am attaching my last piece of communication from XXXX XXXX dated XX/XX/XXXX and ask that they please delete this for my police report, my Federal Trade Commission XXXX has been attached again for review. I am also attaching the IRS identity theft letter ( it gets no more official than this ) this person used my name, signed my name, and filed taxes as me- to show them that a person can have all of my information and it " NOT '' be me Please help! and stop hurting me. I'm having very difficult times right now and I am sure many of us are. I need a person with a heart to read this and understand I need this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage lender was n't able to provide me details of my payments made every month. I have paid {$10000.00} in XXXX 2016. They applied this amount to my account in some weird way that I am not able to understand. I have called them many times, asked for details but no one explain me anything. When I tried to add all the amount applied it 's not totalling {$10000.00}. So they have misplaced my money.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a request from BofA on XX/XX/XXXX to confirm my email address for online banking. Since I am not a BofA customer, I called the fraud department to make sure that there wasn't anything open and they assured me that there was not. 
I received a statement today ( XX/XX/XXXX ) for an account that was opened in the name of XXXX XXXX. I called the BofA fraud line and passed the initial screening by using the account number on the statement and the last four of my SSN ( which means that someone does have my SSN ). I am not sure how BofA allowed an account to be opened without ID, but this is similar to the incident I experienced with XXXX in XXXX, XXXX where someone opened a checking account with that same name and SSN.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: Experian Information Solutions 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:
Dear CFPB, I hav contacted XXXX XXXX numerous times to get some resolve with account ending in # XXXX in which there is an existing CFPB complaint XXXX where an investigation was started. XXXX XXXX did in fact react out to me to advise that they are looking into the matter but the last communication was XX/XX/XXXX. I would like to know if they can't get me the information that they are reporting to the credit bureaus about a fraudulent account then how and why are they saying this is a valid account when they can't give me answers. Times are difficult right now for a lot of people and I've been dealing with this which is damaging my creditworthiness and has been for awhile now. 

I've expressed to XXXX XXXX that someone used my ID, my social etc and opened this particular account. I was recently contacted by the Internal Revenue Service where someone filed my XXXX taxes even though I myself haven't even filed. I am not sure if XXXX XXXX just want to damage a persons life more or what but it sure seems this way. Again, I dispute with the bureaus and they verify and say it's valid but XXXX XXXX case # XXXX has not been helpful at all in the matter. At this point it's been since XXXX and should be deleted based on the shortcomings alone that I've been put through. 

I am also asking that XXXX, XXXX, and Experian look into this matter also and tell me how they are validating an identity theft account? I am attaching my last piece of communication from XXXX XXXX dated XX/XX/XXXX and ask that they please delete this for my police report, my Federal Trade Commission XXXX has been attached again for review. I am also attaching the IRS identity theft letter ( it gets no more official than this ) this person used my name, signed my name, and filed taxes as me- to show them that a person can have all of my information and it " NOT '' be me Please help! and stop hurting me. I'm having very difficult times right now and I am sure many of us are. I need a person with a heart to read this and understand I need this 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 2016-01-29
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
on XXXX/XXXX/15 Chase Bank sent email regarding suspicious charges on my debit card. I spoke to a representative ( woman ). We went over the charges, I told her which were fraudulent and which were not. Then checked my husbands charges-all good there. She told me not to worry that I would get my credit back shortly. The next day I get an email saying that the charges stand because a pin was used. Can anybody say " XXXX ''. I called and spoke to XXXX, Who advised me that the case was closed. I asked how can they resolve this issue in less than 24 hours and she said it 's " because of your spending history '' Really, who are you to judge me. I told her to show me proof that it was me. The biggest charge was from XXXX, they have cameras everywhere.She said she would re-submit for a new review. Not only do they lie to the public and do n't take responsibility they turn around and disparage my character by calling me a thief in trying to defraud a bank. Well it 's been 2 months and I have not gotten my {$250.00} back and not even a phone call or email with the proof that I requested. We all know that the case workers are given a bonus to deny claims just like the Insurance Underwriters are and normally that 's not my problem, but they are making it my problem. If I do n't get a satisfactory result I 'm hiring an attorney and going to every news and social media regarding the practices of this financial institute and how the government agencies who are suppose to keep them in line are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX I got a call from Bank of Americas Fraud number. They claimed I had unusual activity and asked if I authorized a payment in Florida and XXXX to a person. I said hi and so they said my account had been compromised they need to lock it. They sent me a confirmation code from boa like they always do to verify it was me. I read them the code and then I was locked from account while on phone and they said it was locked due to fraud and that my money {$2400.00} transferred from XXXX would be returned in a few hours and to call back if it hasnt. I called back and no one at Bank of America says they talked to me it must have been a scam. I immediately filed a claim and waited 10 days and Bank of America denied me my money back saying they dont believe it was fraud. I have now filed a police report and this trying to get my case reopened for my money. Bank of America on average takes 3 hours to reach a human and I dont trust anyone I talk to as it could be another fraud since their number is who called me an already had access to my account. This may be an inside job from an employee as no one will help me there. I thought regulation E helped cover fraud transfers electronically. XX/XX/XXXX my account was hacked and a XXXX  transfer for {$2400.00} took place that Bank of America will not help me and are saying its not fraud

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 2021-12-15
Company: Experian Information Solutions Inc.
State: OH
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:
This XXXX XXXX XXXX is on my credit report and it need to be looked at and removed immediately. It stated a lot of fraudulent acts. 1st one I looked at payment history. How could I made my payment on XXXX of 2021 knowing this is not my account. I will never make payment to an account that is not mine, so thats fraudulent. The address doesnt match the actual address of where this place supposedly to be, which is fraudulent. U.S.C 1681c-2 requires ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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