BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-18
Company: EQUIFAX, INC.
State: WI
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:
The Credit bureaus stated all my negative account, was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 

They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

They also violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receives my disputes.

They also violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ) : The law clearly states if item are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: Ditech Financial LLC
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX of XXXX, I noticed that our mortgage balance was much higher than it should have been since it was going to reach maturity this year. Our mortgage was with Greentree Financial. I called and talked to a rep who said, 'oh just keep on making your payments and it will be fine '. In XXXX, our loan went to DiTech. I called them and was told the same thing. In XXXX, XXXX, we get a letter saying that our loan was mature and that unless we paid {$11000.00}, we would be in default. I called and spoke to someone else and was assured that I only needed to call our account rep and she could do a loan modification for us and everything would be all right. I tried to get in touch with this person for over a month, leaving her messages and expecting a call back. Then, I get the message on her machine, saying she would be unavailable until further notice and was referred to another lady. She informed me, that despite everything I had been told, we were in default and she could not do a loan modification. They are starting foreclosure proceedings against us. I tried to find out how we could owe {$9700.00} in principle since we have been paying for over 20 years on this loan. She could n't tell me, but put me on hold saying she would get someone who could. She came back in a few moments and informed me that the other lady told her that she could n't give me any more info than she already had. We 're not trying to get out of paying our loan. I just do n't understand how we could owe that much. And, despite being told we could get a loan modification by one person and then denied by another. The lady said they could n't do it because there was no land involved with our loan. I informed her that there were XXXX acres which we put up as a down payment for our double wide mobile home when it was purchased. That info however, made no difference. I do n't understand. The land would be worth more than what we owe on the loan. Perhaps that is the point. They can take our property that we have paid on for 20+ years, resell it and make a good profit. All the explanation I can get from these folks is ... '' I 'm sorry ''. I was told by a banker that it would take too long to get a loan anywhere else, that they would have to refinance it or modify it, or it would be too late. We ca n't even get a loan because our credit rating has now tanked. I just do not want to lose the home that we have worked and paid on for over 20 years and no one at DiTech will help. I even asked how much time we had to come up with the money and the lady told me that she did n't know. Apparently, I wo n't know until my property shows up for auction in the local paper.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
Citibank Customer Service informed me that according to their transactions records, they have NO record of any car rental fees from XX/XX/2016 - XX/XX/2016. This card has been closed out by Citibank. {$700.00} owed on the amount in for car rental yet, they have no record of any transaction from the time frame mentioned. Citibank should re adjust the amount they claim I owe on this card. Minus {$700.00} in rental fees they can not locate.

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 2023-01-21
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
In accordance with the Fair Credit Reporting act, PORTFOLIO RECOVERY is a company I never heard of until obtaining a copy of my credit report. This company has has not only violated my right to privacy but has also placed a fraudulent item on my credit report in efforts to prevent me from acquiring credit/resources to support my family. 

15 USC 1681 section 602 A states that I have the right to privacy.

15 USC 1681 section 604 A ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions which I would never give an okay to do so that I've never heard of.

Are they claiming to be the Original Creditor and can state under oath that I signed a contract with this company and if not how and why do they feel they have the authority to legally collect on an account they never originally owned.

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: Reporting company used your report improperly

Complaint:
in accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX XXXX XXXX XX/XX/2022. XXXX  XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 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 WITH OUT MY WRITTEN INSTRUCIONS.

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 2016-01-07
Company: SCOTTRADE BANK
State: PR
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Scottrade Bank promised that by opening a Scottrade Bank account I would be able to increase the speed of my transfers to and from my XXXX Account. 

After opening a Scottrade Bank account, I got a call from Scottrade 's National Service Center saying my account was going to be closed for " business reasons ''. I was furious and called the branch manager who said there was nothing he could do. 

The worst part is XXXX XXXX and Scottrade Bank did not allow me to transfer my funds out myself and instead put me in the backseat while their back office took over 6 weeks to print a check and send it, without tracking, to my address. 

Overall, very bad customer service and communication with clients. I would recommend moving your money elsewhere.

Company response to consumer: Closed
Consumer complaint received 2022-05-18
Company: EQUIFAX, INC.
State: NV
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. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C.1681. 

XXXX XXXX Account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX Account # XXXX has violated my rights XXXX. XXXX XXXX Account # ( has not listed ) has violated my rights XXXX. XXXX XXXX Account # XXXX has violated my rights XXXX. XXXX XXXX XXXX XXXX Account # XXXX has violated my rights XXXX. XXXX XXXX XXXX XXXX Account # XXXX has violated my rights 15 U.S.C. 1681 section 602 A. States I have a right to privacy 15 U.S.C. section 604 A. section 2. it also states consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C. 1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04
Company: Innovis
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Innovis is continuing to use false reporting from XXXX after being shown documented proof of XXXX 's negligence. Innovis staff went so far as to say they ignore proof submitted by consumers. I submitted proof to Innovis in the form of copies of XXXX Mail Certified delivery and direct complaint to XXXX for reporting false information to credit bureaus which Innovis confirmed receiving. The complaint to Innovis and XXXX specified false information is of a four-month period of delinquencies beginning XXXX XXXX and ending XXXX XXXX when in fact the student loan was in deferment and never late. Within the submission to Innovis, I certified that XXXX had not responded to me within the required 30 days after XXXX 's proof of receipt XXXX/XXXX/XXXX. Innovis then ignored this documented evidence and used the repeated false electronic reporting from XXXX to " verify '' the false information in their Innovis XXXX/XXXX/XXXX report update. Innovis failed to remove false reporting upon receipt of actual documented evidence. In a XXXX XXXX/XXXX/XXXX phone call to Innovis on the matter, the Innovis phone staff member confirmed that Innovis is using an electronic " update '' from XXXX XXXX verification and ignored documented evidence from me that they confirmed receiving. This Innovis phone staff member went on to say that they were very familiar with the FCRA and they ( Innovis ) did n't care what I sent them because they would only report what came to them directly from XXXX. I believe this is a violation of the FCRA because the " update '' Innovis received from Navient does not contain any documentary evidence that Innovis nor XXXX has or can provide to me, and their " update '' is a month beyond the FRCA 30 day required time period for a response from the XXXX/XXXX/XXXX receipt of certified notice of dispute. This is a very good example of how the FCRA is being openly violated by CRAs. What is the point of allowing disputes to CRAs if they will ignore documented proof submitted by consumers and continue to publish non-proof " updates '' from creditors?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Re : scam/misapplied payments/predatory lending Ditech Financial LLC aka Green Tree registered at XXXX Box XXXX, XXXX XXXX, SD XXXX is a mortgage lender. 

I have consistent history of making timely monthly payments for more than 8 years starting in 2008. All monthly payments are sent using XXXX automated billing. 

Ditech misapplied monthly payments in the amount of {$3600.00} and put account in collection status. All payments have been submitted consistently through a third party payor, XXXX, who confirmed that Ditech received a monthly check in the amount of {$3600.00} and cashed it every month. 

Ditech refused to cancel PMI which reached 79.19 % and refused to respond to my multiple communications including the ones sent via fax, email and mail. 

Ditech failed to : *apply all monthly payment checks from XXXX ( cashed by Ditech ) to my account *remove late fees and bring the account into a good standing *cancel PMI *respond with an explanation why Ditech was cashing monthly checks in the amount of {$3600.00} each month and not applying it to my monthly bills, assessing late fees and collection fees

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-30
Company: World Acceptance Corporation
State: LA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Being in between jobs, I fell behind on my bills including this installment loan. I found a job 30min from my town and with luck, it 's right next to the company that I have an installment loan with. 
I finally received a check where I was able to catch up on paying money towards getting current on XXXX/XXXX/16. That very same day, my boss took me to the back to speak with me, she told me, and I quote, " I do n't mean to get in your personal business but you really need to pay World Finance or they 're going to start garnishing your wages. '' I was surprise that they would talk to my boss about my account because I have been keeping communication about my account to the girls that work there at World Finance. My boss told me that they branch manager informed her about my account. 
I explained to my boss that I planned on taking care of that today due to receiving a bonus and raise. 
I walked next door, spoke with the branch manager, who is responsible for my Branch manager having detailed knowledge about my personal business account. She then denied any accusations and blamed it on the Branch Manager, in office of where I live. I proceeded to make a payment and told her that I feel betrayed at the fact that I was keeping communication with her and that she went to my boss about this instead of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21
Company: Ditech Financial LLC
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ditech Financial/Green Tree Servicing received our check for final payoff of our loan on or about XXXX/XXXX/15. Now Ditech refuses to reconvey our house, refuses to pay us the amount that they owe us from our escrow account, and continues to demand more money from us. They declared a default on a loan that has been paid in full.

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: TX
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 According with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX and XXXX XXXX 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 that a consumer reporting agency can not furnish a account without my written instruction and permission.

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 2015-11-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
bank of america is refusing to disclose how many fees charged my account. 
over {$500.00} since XX/XX/2015. 

in my trying to close account they refused claiming items paid were still processing. then they ran a returned check thru twice to access yet one more feeafter knowing i was closing that account at branch

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting act 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 non-monetary relief
Consumer complaint received 2023-01-28
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My payment was due on XX/XX/XXXX I made a payment at XXXX and they are telling me that I need to Make the payment before XXXX But on the Credit Card agreement is there is no mention of this that have stated that it is printed on the statement. 

They refused to remove the Late Charge and I asked them Lane Bryant ( Comenity Bank ) to close the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Starting in XXXX, subpoenas were issued to Wells Fargo Bank to obtain the signature cards for three accounts. The signature cards were needed to confirm ownership of the accounts at Wells Fargo Bank as the owner had passed and her estate was in probate. After considerable effort, Wells Fargo finally released the final signature card in XXXX, XXXX. The information provided showed the Decedent and her husband as account owners had added a daughter to one of their accounts in XXXX. The manner in which the daughter was added raised questions as the initial designation was as a XXXXXXXX XXXX XXXX. The signature card also shows the XXXXXXXX XXXX XXXX  designation was lined through and changed to read Beneficiary. This change was not dated or initialed by the account owners, making the change suspect. In XXXX the account owner updated the signature card for all three accounts and removed the daughters name / standing. In XXXX, the signature card was updated again to show the death of the husband of the account holder. Once again, the account holder declined to add the daughter back onto the account. Wells Fargo Bank is now refusing to honor their signature cards and release the funds in the account to the Decedents estate. The daughter who was removed from an account in XXXX ( beneficiary status eliminated ) is now claiming she is entitled to funds in the 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 2016-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
the credit bureau reinserted XXXX back into my file after deleting it one week prior.

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 2015-05-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
I initiated a wire transfer from my Chase business account to an overseas supplier on XXXX XXXX, 2015 in the amount of {$2200.00}. I got an error saying that the transactions could not be completed. The system was unstable and I had issues going to wire page. After a few minutes I tried the transaction again and got a transaction successful message. Just to double check I went to the " wire activity page '' and saw not XXXX but XXXX transactions for {$2200.00}. I spent 1 hours and 5 mins shuttling between various groups. XXXX transactions showed as complete and the second in transit. I asked the intransit to be cancelled because it was obviously an error on Chase 's part. They admitted that were having system issues. At the end of the call I was told that the transaction completed and they could not stop the transfer. They said they would contact the Bank in XXXX for a reversal. I called them again on on XX/XX/XXXX and was told they are still waiting for a response. I called again on XXXX XXXX and there was still no resolution. 
I discussed with my supplier and he was willing to wire the money back minus the {$10.00} deduction his bank made and any charges they would make for a wire. Chase on the other hand said they couldnt do anything about the reduced amount but would credit any of their own fees. They said they were not responsible for any fees on the receiving bank 's side. I aksed if it would be better for me to await Chase 's resolution or request the supplier to return the money. They were non-committal but finally admitted that perhaps having the supplier return the money would me more timely. 
How can I be made to beg for my own money. I ca n't believe Chase has been so incompetent and unapologetic for their mistake. What if my account goes overdraft! I ca n't believe I am expected to be in the red for a Chase system error, which they are not taking responsibility for, but admit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Chime Financial Inc
State: CA
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 a victim of " Skimming '' Crime on XX/XX/2022. At the time of the withdrawal of {$300.00}, I never used my Chime Debit Card. As soon as I learned that I became a victim of " Skimming '' Crime, I reported the problem to Chime Bank. Chime Bank made an adverse decision as a result after I presented multitudes of evidence, screenshots, location, Witnesses, Co-Workers, Supervisors, Names, Phone Numbers, etc., to their Fraud Investigations Team. I had Chime Bank, XXXX, give me a Replacement Debit Card. And, Chime Bank gave me a Damaged Replacement Debit Card. So far, I'm getting consultation from Attorney XXXX XXXX XXXX. My Claim Number from Chime Bank is XXXX. My XXXX XXXX with Attorney is : ( XXXX )

Company response to consumer: Closed with explanation