BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-04
Company: ALLY FINANCIAL 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: Old information reappears or never goes away

Complaint:
On the XX/XX/2020 I went into XXXX XXXX to inquire about the possibility of buying a new truck. At the time they had a deal where they were offering low to no interest and no payments for 90-120 days. I wanted this deal and this deal only. I applied for the credit with XXXX and was rejected, however the former Sales Manager ( who was about to retire come to find out ) arbitrarily shopped my name around to several banks to get me qualified to buy they truck. I made it clear I did not want a bunch of credit inquiries to my credit. Just the one, via XXXX. 

Now fast forward 7 months and 4 inquires remain that should not, despite me calling the credit bureaus, the companies themselves and even XXXX XXXX advocating and sending letters to remove the credit inquiry from my report. 
-Ally Financial, Inc. XX/XX/2020 still remains and shall be removed. 
-Ally Financial XX/XX/2020 still remains and shall be removed -XX/XX/XXXX XXXX XX/XX/2020 still remains and shall be removed -XX/XX/XXXX XXXX XX/XX/2020 still remains and shall be removed as XXXX solicited my business with them, without my express consent, in fact, against my word as a consumer.

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 2016-03-01
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am having an ongoing issue with ditech, just checked my bank statements from 2015 ditech never sent a check in the amount of XXXX, it was actually XXXX. I am tired of the run around from this company. I will now be sending a complaint to HUD. Even from their own statements you can tell they are ripping us off with the escrow. This is not a new loan. I will be attending a forum Wednesday hosted by the nonprofit business alliance for a sound economy. In attendance will be Senator XXXX XXXX, Rep. XXXX XXXX, Rep. XXXX XXXX and Rep. XXXX XXXX. At that time I will be showing all taxes statements from ditech along with the emails they have sent me.As you can probably tell they will be discussing homeowners issues. If I was ditech I would have a representative there.I will not stop until they give me my money that is owed that they stole from us through escrow.In North Carolina it is against the law to fudge tax statements.And XXXX XXXX the paralegal from ditech needs to go back to school and learn how to do an escrow. As does most of the people that I talked to from ditech.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late on XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2021-01-04
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this debt with Credit Collection Services and the credit bureaus and still have received no information at all from Credit Collection Services regarding this account! This is a violation of my rights according to the FDCPA and FCRA! You must help me with this!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20
Company: Convergent Resources, Inc.
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Convergent attempting to collect a debt for {$5100.00} acct    XXXX  from a previous fraud account dating back over 10 years disputed with original creditor and violates my rights under Fcra and Fdcpa and the statute of Limitations and i request a  Cease and desis t on a collections from this Fraud account.

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 2021-01-04
Company: EQUIFAX, INC.
State: AZ
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over the 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
These account is involved in litigation. 
I sent a letter on XX/XX/2020 in regards to inaccurate and unknown items on my credit report. It has been more than 60 days and I have not received a response. This is making me believe I am being ignored on my disputes. It is stated in Section 611 ( a ), that failure to investigate the items within 30 days gives the reason to delete the items from my credit report. As I stated above, it is over 50days after so the items disputed should be deleted at once. I am requesting the disputed accounts be deleted or I will enforce my rights and pursue litigation and seek relief.

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 2016-01-24
Company: Ditech Financial LLC
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage company changed the locks on my property after my XXXX house payment was 51 days late. I had called and talked with my account executive above being late with my XXXX payment due to seasonal work but I would make that payment in XXXX and my XXXX payment-I would have funds by XXXX XXXX. I called my rep on Thursday XXXX XXXX to make the XXXX payment and schedule the XXXX XXXX. The rep told me that they had sent someone to my property ( 51st day late was XXXX XXXX ) & they reported it vacant/abandoned. I told her that the property was vacant but not abandoned & that I have had vacant - insurance, etc. She made some comment about stopping " them from changing the locks '' and getting it straightened out. On Friday the XXXX after XXXX I went to my house and " someone '' had broken into my house - changed the locks, put a lock box on & some sticky notes stating : " The mortgage company holds the right and duty to protect this property. The property may be rekeyed and/or winterized within 3 days '' Is this even legal? NO phone call - NO overnight letter - The house was secure - they had to RIP my locks off my steel door. I have kept the " pieces '' as proof that the house was securely locked and they did not get in easily. 
On Saturday the mailman left a note regarding a certified letter that I can pick up AFTER the XXXX. I assume it is from the mortgage company. ( The mortgage company uses my current mailing address and must be aware that it is different than the property address on the loan. No mail deliveries are make that address ) Also I think this loan is a conventional loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: C/C Financial
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This letter is to inform you that I am disputing your companys references on my credit report because of the lack of completeness and/or accuracy. I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. After that I sent you the attached letter and I never got a sufficient response. Unfortunately, credit bureaus often use software that does not complete thorough investigations.I am disputing the following information directly with you, the furnisher of information, and I am requesting that you send me all papework you have on this account so i can review the accuracy of your reporting. You are a financial institution identified in 15 U.S. Code 1681a ( t ) Financial Institution.The term financial institution means a State or National bank, a State or Federal savings and loan association, a mutual savings bank, a State or Federal credit union, or any other person that, directly or indirectly, holds a transaction account ( as defined in section 461 ( b ) of title 12 ) belonging to a consumer. For the record I do know and understand by law, who you are and who I am.

1. I would like to see your GAAP ( general acceptance accountability principles ) which is your paper trail from where/when it came directly from your account.

2. I also want to know who is the original creditor?

3. I am also requesting the Individual Masterfile ( IMF ) pursuant to 15 USC 1681G this should contain every payment I ever made, the original wet signature contract, not a copy or printouts, it should also contain info on where you got it, how you got it, and when it was stored. If dont get this its a violation 4. Also I do not recall you CLEARLY and CONSPICUOUSLY disclosing to me the CONSUMER my right to opt out according to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was in the XXXX  with XXXX. I didnt have my phone or purse for nearly a week. I get out and see my Wells Fargo savings has basically been cleaned. Money being transferred from XXXX to my debit card ( savings ) & immediately removed or used. {$120.00} at XXXX directly after a transfer. {$30.00} atm. {$300.00} atm directly after transfer. 

I filed a dispute with them on XX/XX/22 and the denied it. I dont understand. No one reached out to me. I even moved and changed my address via Wells Fargo because someone had my address. Wells Fargo should see I havent used my checking card in weeks because it was at my home. Nearly {$700.00} is completely gone. They are making me regret opening that account back up.

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 2021-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I when to make a purchase at a store and they offer me a 20 % discount if I apply for their credit card, when the report came back it was showing some accounts that were no mine, that's when I learn that my identity was stolen and my name was used to create fraudulent account in my name, I have been disputing these accounts but I haven't gotten any responses, just the confirmation of theses accounts, I have called the creditors and sent letter to each and every one of the creditors, this report is the first step to document this incident and hopefully the start of cleaning my 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 2015-11-04
Company: Residential Credit Solutions, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
We have been dealing with RCS for the past year to complete a short sale. We did have an open Bankruptcy XX/XX/XXXX due to financial hardship and to help us with XXXX selling our property. In XX/XX/XXXX RCS files a motion to release property from the Bankruptcy. According to them it was released, but we were never notified. In XX/XX/XXXX with had submitted a strong buyer qualified to close on the purchase of XXXX XXXX XXXX in XXXX XXXX California. RCS Bank order the appraisal and reviewed the offer. On XX/XX/XXXX RCS counter offer at $ XXXX. We then submitted the buyers counter at $ XXXX after we had his inspections done. RCS requested more financial documents from us plus a payoff from XXXX XXXX Bank which took 2 weeks to get. All the info was sent a few weeks later. However on XX/XX/XXXX RCS canceled the Short Sale and put it up for auction to foreclose XX/XX/XXXX. All we need is a few weeks for RCS to allow them to finalize the approval of this short sale. However they said they need 37 days to review an offer prior to sale date. We tried to speak with supervisor and we were told they were busy and there is nothing we can do. I always try to be positive and do the right thing. We do NOT want this to go to foreclosure and we are asking RCS to conduct their final review of the short sale since we were at the end of the approval process. Thank you for your time.

Company response to consumer: Closed
Consumer complaint received 2015-12-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Dear XXXX. We have wrote three times to these people. All we ask is a accounting of what was purchased as we had payed XXXX XXXX Off.Then two years later they say we owe XXXX XXXX I have requested an itemized account. They will not supply XXXX. We do not owe a dime. Sincerely XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Portfolio recovery services account XXXX amount {$630.00} opened XXXX and account XXXX amount {$580.00} opened XXXX has been reporting inaccurate on my credit and is in violation of federal law. These accounts are collection accounts and are reporting 120 days past due which is impossible and is an inaccurate status for a collection account. It is also reflecting that it 's as a factoring account which is false because factoring accounts reflect current debts. Please remove this XXXX accounts from all XXXX of my credit reports for violating the fcra and inaccurately reporting account statuses as well as account types. I will be following up with complaints with the federal trade commission as well as the Virginia XXXX for violating federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Fraudulent activity of my checking. XXXX checks written fraudently and XXXX wire transfer for almost {$200000.00}. Reported to chase bank. Sign affidavit. Was told that the checks were obvious forgery. I have the supposed checks used at my house unused. All monies were sent to a gold dealer. Have no received any communication. Chase overdrafted and approve monies from savings to checking. No red flag was issued. I was out of the country when this happened. My online access was blocked since XX/XX/2015 and I stop receiving statements as of XX/XX/2015. Called in XX/XX/XXXX and found out the balance of my account and that 's when we became aware of the fraudulent activity. Chase is now refusing to reimburse my monies. When I was assured my monies would be reimbursed within 10 days

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Santander has continued to validate this account with credit agency dispute me notifying them that I fall under the settlement for the current lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: Nationwide Credit & Collection, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX I received a threatening letter in the mail for Nationwide credit & Collection INC. Upon further research, the debtor could not provide original contract or signatures. This account has transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection with original SIGNATURE. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Nationwide credit & Collection , INC, has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am sending request to investigate all accounts which are not belong to me and were opened like a fraud. If you do not have proofs that are mine, please remove as soon as possible from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This debt collection for original creditor is showing XXXX 's as separate credit accounts, never had XXXX XXXX XXXX XXXX credit cards for this debtor, only ordered XXXX items on the same date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-22
Company: Experian Information Solutions Inc.
State: VA
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2021-01-04
Company: NCB Management Services Inc.
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a debt showing on my credit report for a company i have never heard of NCB Management Services. On my credit profile it shows they are trying to collect a debt that they say i owe or owed to XXXX  XXXX XXXX. XXXX was found by a Coalition of 34 State Attorney Generals to have violated consumer protection laws in auto loans with a high probability of default. i have never heard of this company ( NCB ) and they are trying to collect a debt from me from a fraudulous other company XXXX XXXX XXXX. This is fraud and i would like this removed from my credit report immediately. XX/XX/XXXX a settlement was announced as a result of this investigation into XXXX  where XXXX exposed borrowers to unnecessarily high levels of risk. NCB is trying to collect a debt from me and i would like them to be removed from my credit report immediately. also my state attorney is apart of the investigation into XXXX. all of this is fraud and preventing me from purchasing a home for my family. terrible just terrible

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
This company keeps billing me and then improperly applying my payments to the loan ( in different ways XXXX so that they can charge me late fees and ask me if I want a forebearance. They answer is " NO! '' I have income based payment set up and I'm trying to pay off my loan. They are conducting predatory lending practices. 

I have been trying to make regular payments but each month there is a problem with Navient. They do not apply the payments properly to the loan and then they charge me late fees. When I've tried to pay old late fees, of which I believe have been charged improperly, they took the late payment and applied it to interest and not the late payment ( which they billed me for ). When I called to complain they agreed to refund me the money I sent in to pay the late payment. They then refunded the money and sent me another bill claiming I didn't pay last month 's bill and charged me more late fees. I'm on the phone with then now and they are looking into the most recent issue. They see that I made a regular payment last month but they screwed around with where they allocated the money so that it was not applied properly and now I have more fees. They are telling me they are going to fix it but this issue occurs every month. Every month, they send me a bill, I pay it in full, then they apply it in a way other than how they billed me. Then I get changed late fees and offer me forebearance. 

his is all a trick to prevent me from paying off this loan and to extract more fees and interest from me. I need this situation with this company handled permanently. I did not agree to have my loans sent to this company. I need to the contact information to an agency or law firm who will investigate this issue in earnest. I'm not going to call these people to complain and fix the issue every month. I want this investigated and fixed or I'm going to take this even further.

Company response to consumer: Closed with explanation