BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-13
Company: Fidelity National Information Services, Inc. (FNIS)
State: ND
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Chex Systems is reporting on my consumer report a fraudulent and unauthorized checking account from XXXX that do n't belong to me. I am victim of identity theft and someone stole and used my personal information to open up a fraudulent and unauthorized account checking account with XXXX. Attached to this complaints is a police report and letter I sent to Chex Systems.

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 2015-12-08
Company: Incomm Holdings Inc.
State: TX
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I purchased XXXX XXXX XXXX card ( issed by incomm, XXXX ) for XXXX with {$500.00} each. They just freeze my money for no reason ( the rep told me that it is a random check ), and ask me to provide additional information to unfreeze my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-17
Company: Northland Group Inc
State: NV
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:
XXXX separate transactions occurred on a XXXX debit card connected to my XXXX XXXX XXXX account. Despite all XXXX transactions being investigated by my bank 's fraud department and their acceptance that these transactions were indeed fraudulent, XXXX still held me liable and sent the amounts to collections creating XXXX negative and completely unjustified negative accounts on my report. Furthermore, despite providing records and all of the information to both XXXX and the debt collector, Northland Group, they have refused to delete the fraudulent transactions/accounts and continue to hole me liable. I was under the impression that Target had accepted those liabilities nearly a year and a half ago when I provided XXXX XXXX XXXX 's documentation/resolution. Because I believed this issue had been resolved, all documents pertaining to the stolen card were shredded. It was not until I was denied credit for having these accounts on my credit report that I became aware that they were negatively impacting me despite not being mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-15
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I received my consumer report from Chex Systems and the consumer report has inaccurate personal information and inquiries that are fraudulent and do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Related Case # XXXXChexSystems had been re-inserted into my credit file derogatory marks from XXXX XXXX XXXX. 

You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: Credit Solutions, LLC (KY)
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Credit Solutions LLC is attempting to collect a debt that was paid by my insurance and continues to report false information to the credit bureaus. The debt was error by XXXX and no amount was ever owed by me personally. Credit Solutions is aware of the false reporting yet continues to report it. I have suffered financial damages as a result of their false reporting.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: Ditech Financial LLC
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ditech has acknowledged since XXXX 2016 that it has miss applied mortgage payments they received and cashed. I sent a letter in XXXX along with supported documents asking for the mortgage to be brought current, late fees removed and any negative credit rating. The company is still reporting my payment as late. Applying late fees and negative credit reporting. I have spoken to XXXX plus customer service representative since I started documenting in XXXX 2016, some who are supervisors and the matter is always acknowledge and apologized for along with a timeline for resolving the matter. ( 7days ) Ditech has sent me written in XXXX promising to resolve the issue. It 's now XXXX and Ditech continues to send demand letters for payments, report to credit agency and applied late fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: Ditech Financial LLC
State: CA
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I just found out that there are XXXX liens on my primary residence by a creditor named XXXX. 
The debt was for a rental house that was foreclosed on back in 2012. I hired a law firm from XXXX XXXX to do a loan modification to save rental. Turns out the lawyer was a scam artist that has been disbarred by the state bar of calif. 
I not only lost money to this law firm, but lost my house. I have no idea who this XXXX is or how they were able to file a lien on my primary residence for approx $ XXXX and another one for approx XXXX. 
I need your help in resolving this matter and find out how this could happen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-03
Company: Ditech Financial LLC
State: NM
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was sold to Ditech Mortgage from Greentree which was sold from XXXX which was sold from XXXX and all before Ditech allowed bi-weekly payment only Ditech says they do not allow bi-weekly payment or allow me to sign up for auto pay. I had my bank send them funds Bi-weekly and had to call to have the funds changed to a payment every month. They took funds for the first two payment and then reversed that, and sent me to collections for the amount of the two payments. Unable to reach any one at customer service and unable to make an online payment with a Credit Card. The did not apply the bi-weekly payment to the principal on my account and I do not know where that money went. So by reversing those payments that were applied to my mortgage the last mortgage amount increased. I have never missed a payment and this is very disturbing that a mortgage company will practice these procedures to take advantage of the consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25
Company: PROSPERITY BANCSHARES, INC.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Prosperity Bank made an error by letting charges get transferred back to my account after I went to great lengths to get my debit card canceled and blocked due to a home health care provider having access to my debit card when I was away from home and in the hospital and too sick to look after things at home, she used it to buy jewelry from a company known as XXXX. By promising not to file a police report I was able to get her to return the package she received. It had a packing slip of items and costs and I checked and all the jewelry was still in the package and small boxes not opened. I called the XXXX XXXX and told them that the jewelry was not ordered by me and they told me to return it registered receipt and a tracking number. They also said that Prosperity band had already charged back the items to them and that I should have credit for the items already. I told them that PROSPERITY BANK GAVE ME PROVISIONAL CREDIT ... ... ... .pending investigation ... ... ... ... When I was n\otified that the tracking showed the items had arrived and a signature receipt inctluded also, I took it to Prosperity Bank. They made copies of everything and told me they would be sure to make the provisional credit a permanent credit and the case was closed. Then today I was shocked to find that Prosperity Bank had let those charges post even though the debit card was canceled and the case was closed. I spoke with XXXX XXXX and they confirmed that they had received the items back and it was in error that they somehow got charged back to my Bank Account. They said that all my bank has to so is reverse the charges back to them. 
But Prosperity Bank refused to do anything ... ... saying ... ... .... '' There is nothing they can do, that I have to resolve it with the company who charged my account XXXX WITH A CANCELED DEBIT CARD THAT DOES NOT EXIST XXXX I am Filing a complaint with the Federal Trade Commission!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29
Company: TD BANK US HOLDING COMPANY
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I think this is about an old Target Credit Card Debt that is too old that the Statute of Limitations has run out on. These people keep calling and leaving messages on m son 's phone and this is the third time they have threatened me. I wrote a letter to Target to quit trying to collect long ago, so this is a clear violation of the Fair Debt Collection Practices Act. I have complained bout this before but they have never been punished. The following is an exact transcript of the message they left on the phone with the case no. and return phone number. 

" This message is for XXXX XXXX XXXX Case number is XXXX. My name is XXXX XXXX with the Central Processing Office. I 'm contacting you in reference to a complaint registered against you. You will need to contact the firm handling your case XXXX. Now, XXXX, if there is no response, the firm will be forced to make a decision on your case without your consent. Please keep in mind this is a time sensitive matter that requires immediate attention. Once again, that telephone number is XXXX ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: Altisource Portfolio Solutions, S.à r.l.
State: NY
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:
I ordered a pest removal service from terminix XX/XX/2015. The service I requested consisted of spraying the entire inside of the house, as well as removal of a beehive attached to the outside of the house. The problem is, the service was never provided. A representative of the company came and after seeing the beehive, he said he would be back later that evening, though he never returned. 
I called XXXX to find out what happened, and was told they saw it was not completed but would reschedule an appointment for the following weekend. i agreed, waited all day on the agreed upon day only to have nobody show up at all. I called the next day, and XXXX apologized for wasting my day waiting, and offered to schedule another date for their representative to come perform the services. They did n't show up to the rescheduled date either, nor did they show up for the next XXXX rescheduled appointments either. Each time I was apologized to but no explanation was given. After all of these missed appointments, and wasted time, I called another exterminator and he performed all of the services needed. 
i saw that XXXX charged my credit card and called to ask why they had done that if they never performed service. They apologized and assured me they would refund me and correct the error. they never did, so i called my credit card company and had the charge reversed. I started receiving bills from XXXX stating that i owed them a balance of {$270.00} ( for the service they never performed ). I again called them and was assured their mistake would be corrected and I should not worry. They never corrected the mistake, and instead sent it to a collection agency called NCI. After receiving the letter from XXXX claiming I owed a debt, I called XXXX and was told I would need to send them a letter in writing asking for proof of the debt, Which i did within thirty days of receiving their letter. Their proof was a work order from XXXX stating that they sprayed some chemicals outside the house, and in the area where I supposedly signed is a horizontal line. I was not there when they supposedly performed the service as I was receiving treatment for XXXX in XXXX. The signature is fraudulent. Besides that, the services I ordered were primarily for the interior of the house, which they clearly state was not done. ( I would not order the service of removal of a beehive for {$270.00}, which is a ridiculously high amount. My local exterminator quoted the same service for less than {$80.00}, and ended up performing the interior for a total of {$150.00} combined ). 
After receiving the alleged proof, I attempted many times to contact NCI by phone but was continuously hung up on by their phone system before being able to speak with anyone..

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 2016-04-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
BEEN A VICTIM OF IDENTITY THEFT AND THESE ACCOUNT ARE ERRONEUS IN MY EQUIFAX REPORT. I BEEN TRYING TO REMOVE FOR MONTHS NOW, BUT EQUIFAX AND THE COMPANIES LISTED BELOW ARE IGNORING THE FACTS AND EVIDENCE THAT I PROVIDED SUCH AS POLICE REPORT, IRS IDENTITY AFFIDAVIT, FTC AFFIDAVIT AND MORE. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I had a checking account with TD Bank and was in a dispute with them over fees charged and told them I was going to open an account at another bank which I have done. In the meantime my insurance company XXXX deposited {$410.00} into the TD account instead of into my new account. The amount deposited was {$410.00} on XX/XX/2016 by ACH transaction ( electronic deposit ). I no longer have an ATM card with TD bank as I no longer use this account. I went to TD Bank to get my {$410.00} out and they said this is a " credit only account '' which means deposits can be made but I cant take anything out. I asked why I can not take the money out since the money is mine and I broke my toe and need to pay the Doctor bills with this money. TD BANK customer service told me to come in and close out the account and they would not be able to give me the money since I owe {$560.00} on my account. I told them I do not owe them anything and they are not correct as I dispute those fees and will continue to dispute them. They are blackmailing me saying the {$410.00} will sit in my account until I come in and close out my account but I told them I am not going to do that unless they remove the excessive fees they charged me which I am in dispute of. TD Bank told me NO. XXXX said they can not take the money out of the TD Bank account even though it was an honest mistake on XXXX part, I would like the {$410.00} balance mailed to my home address. The bank can not hold this money from what my Attorney has said. ( I asked for a free consultation with my Lawyer ). He told me they are illegally holding these funds since nothing showing due on this account and there is a credit of {$410.00}. if TD Bank does not mail me this money asap I am getting an Attorney involved in this!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-27
Company: Leaders Financial Company
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Leaders Financial has refused to send me my title after paying my vehicle loan off back in XXXX 2016. I first had to deal with prove that you paid us which I had to fax a copy of my bank statement over because I paid the car off with my debit card. Then I was told I would have to wait 30 days after the payment was made in order to receive the title. Now today XXXX XXXX, 2016 6 weeks after I paid Leaders off they flat out refuse to send me my title. I called today and they state that they will send me paperwork that I would have to sign and send back to them and they then will need more time in order to send my title to me. Send the title now via federal express or I will see you in court. This is theft, You took my money and now you refuse to give me my title. Send it now!!

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 2016-07-13
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
TD/TARGET ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX PHONE : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you TD/TARGET or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : TD/TARGET or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Credit card
Issue: Other

Complaint:
i am not request for credit card from target company on XXXX/XXXX/2016, on my credit report they showing HARD in quire on that day can you please help me to dispute the report because i am ready have the debit card for target i do not need that card thank you very much for you support

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax has violated the FCRA by failing to give me a fair investigation into my claims, failing to block the items specified on my affidavit, and failing to mail me proper investigation results into my claims that XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX Bank are the results of fraud. XXXX XXXX XXXX has even admitted to willingly put a false address on my report as well as sending me documents stating that I owe no money yet they refuse to remove them from my report. XXXX XXXX XXXX is still allowed to be on my report after I sent Equifax a copy of an out of court settlement and XXXX has never produced the items bought on this credit, and I know XXXX can trace computers, XXXX of the most worked on computers by myself are XXXX that my customers have issues with. XXXX Bank has not completed their investigation and has yet to even tell me what was purchased at Reeds and I have even offered Equifax a picture of my ring yet Equifax still reports them. Equifax has not once completed a fair investigation, they just take everyone 's word and has never informed me that they think that this request was made in error or has accused me of lying to be able to keep reporting this information. I am attaching parts of the FCRA itself that Equifax has continually violated and what I will take them to court on. Equifax was warned and I will produce all these communications to a judge so he can see that I tried in good faith to get a fair investigation and get the fradulent accounts blocked as a result of fraud. I will also show that Equifax has violated the FCRA by refusing to block fradulent accounts as well as never giving on of the XXXX reasons allowed to refuse to block an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had two capital one cards one in XXXX and another in XXXX the XXXX which is pass the 7 year make to be collection upon should be removed from credit report as per the fdcap federal state and also in nys this account is two old to be collection upon if not removed from my credit report i can and will bring a federal law suit aginst the collection agent and also it is against the law to report as a open account when the account is closed

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
XXXX XXXX XXXX ordered something on XXXX internet and the chase bank operator said i had enough money in the account i ordered somthing from XXXX and i maid sure there was enough money in the chase acount the item was not sent i im pretty upset

Company response to consumer: Closed with explanation