BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-22
Company: TCF FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My Mortgage Loan and Equity Line of Credit Loan were purchased in an acquisition by Chemical Bank based out of Michigan. For the last five months I have made my payments on time however they ca n't seem to post the proper information to my account. Notified each and every month since they have acquired XXXX and every month I receive a different story. They have posted my payments improperly and continue to charge interest never making an adjustment simply telling me they will get it corrected. This month for example my payment due date is the XXXX and due no later than the XXXX. I made my payment on the XXXX carried into the branch and today I receive my statement dated the XXXX that I am past due by one payment. Of course they continue to charge interest based on the statement of the XXXX. Today when I contact them I am told they are required to send out the notice and or statement 10 days after it is due however in prior months the statements are dated the XXXX of the month. Now all of a sudden if payment is not received 10 days after the due date they will consider it to be late. The terms continue to change. On my original loans my payment stub read due on the XXXX and if paid AFTER the XXXX a late fee would apply. They conveniently changed their coupon slips to read that if the payment was made ON the XXXX that a late fee would apply. No notifications sent to the consumer and defending this action by telling me that this was a mandated Federal requirement. I have made payments on my accounts and they posted it all to principal then send me a statement the following month telling me I am past due and that I owe additional interest. Every month is a different set of problems and a different set of terms. I have been paying on this account for going on the 12th year and have never been late and never had a problem, THAT IS until these folks acquired the loan. How many folks are they gouging for late fee 's that do not realize it. How many folks are they posting improperly to the account to generate additional interest and folks do not realize it. I am tired of the aggravation monthly and am tired of the EXCUSES!!!!!

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 2022-04-22
Company: JPMORGAN CHASE & CO.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/2022 I sent certified letters via USPS to Chase Auto Finance CEO XXXX XXXX & there Correspondence department requesting validation of alleged debt pursuant to 15 U.S. Code 1692g ( a ) ( 1 ) and how the alleged debt was calculated.

In said letter I also requested verification of claim against me, ( a signed invoice ), a copy of the Contract binding both parties ( me & chase auto finance with wet signatures from both parties ), via certified mail, an Affidavit of Truth, and a {$8000.00} invoice stating 8 Federally Protected Consumer Rights Violations under 15 USC 1692 from a previous correspondence Chase has mailed me via USPS. I also informed Chase Auto that they were not the creditor in pursuant to 15 USC 1692g ( a ) ( 2 ) and that impersonating a creditor is a FEDERAL Crime. I requested that they remove said account from my consumer credit report if they could not provide with the above mentioned. 

As of Thursday, XX/XX/2022 Chase has yet to provide with my a remedy nor have they provided proper documentation for the validity of alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Social Finance, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have seen multiple accounts opened at SoFI and I dont have any accounts with them. They have not defaulted but my personal information is being leveraged fraudulently. I have frozen my account with all credit reporting agencies. I have called SoFI numerous times and their fraud department seems to not exist at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Experian Information Solutions Inc.
State: CA
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:
On XX/XX/XXXX I submitted a complaint due to a request submitted to Experian to verify late payments on the following account : XXXX XXXX. Due to not receiving a response, I submitted a complaint. To date, I have not received a response OR any verification documents to prove that this account was ever late! Experian instead closed the case stating the creditor verified that it was late. 

Late payments in question : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06
Company: National Enterprise Systems, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
National Enterprise Services contacts me daily from a variety of numbers to collect a debt from one of the XXXX independent contractors working with an XXXX that I have in MD. This aggressive and inappropriate behavior can not be lawful. They are calling my personal cell phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: Experian Information Solutions 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:
XXXX & XXXX XXXX has set me on a wild goose chase for a fraudulent account they have allowed someone to open in my name and now are requesting information the average person would not be able to produce so they can continue to report an account that is continuing to hurt my credit. I simply can not produce mail from over 5 years ago. I did some research and found out that although you must produce identification they don't make copies of it. Last but not least I would love to file a police report in fact I spoke to XXXX XXXX of XXXXPD who advised me to request specific information so my report would not be vague and allow them to do an actual investigation which leads to an arrest and XXXX XXXX has failed to send me what I have requested per the request of the XXXXPD. I am not receiving any assistance just a copy of a bill and an address I have never lived on account so old it impossible for me to produce. Please see the attached documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-17
Company: AmeriCollect
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2018 in the amount of {$690.00}. I have sent many letters and called and no results

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: Ditech Financial LLC
State: ME
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Green Tree took over my account servicing from XXXX in XXXX 2013. I have had nothing but problems with them. 
Last year, they forced me to pay extra into escrow, even though I provided information that I did NOT owe that money. They did refund the extra at the end of the period. In fact, I complained to cfpb about them at the time. I got a response from you that Green Tree was '' researching '' the complaint, and never heard from you again. 
THIS year, they stated that my escrow was low {$1400.00}. My taxes AND insurance only went up about {$500.00}, so I do not know how they came up with {$1400.00}. I have written them XXXX times and get nothing sensible back, and they take XXXX weeks to respond. I paid {$1000.00} into escrow. They increased my payments anyway, and XXXX letters later, I finally paid the {$460.00}. They still demand the higher payment. Well, in fact, they now DO NOT SEND my statements. Twice they sent responses with attachments but the documents were NOT included. 
I have had no statements for XXXX, XXXX, and nothing now for XXXX. Their " representative '' called me at the time I sent in {$1000.00} and started yelling at me. He would not listen to anything I had to say. I refuse to call them. I write everything. 
I need my payments set right, and I need my statements. 
Green Tree is not responsive to customers. They have not been answering my letters and they are purposefully not sending my statements, because I have been receiving other mail XXXX HARP refinance, which is probably required by the government ) from them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I saw some inquiries on my TransUnion and XXXX credit report. I sent them a letter in XX/XX/2022 to investigate the unauthorized inquiries on my credit report.. They said it is correct. I called them both the TransUnion and XXXX in XXXX and in XX/XX/2022. They said they can't remove the hard inquiries from my credit report. There are 4 unauthorized inquiries on my TransUnion report and 2 unauthorized inquiries on my XXXX report.. They said they can't help me with. It ' is having a bad effect on my credit report.

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 2016-07-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Equifax is reporting negative information on my credit report. I have taken the necessary steps to dispute the information with the credit bureaus and have requested verification that this account belongs to me from the data furnisher ( letters of request are attached ). I 've sent a letter to Equifax on XXXX XXXX, 2016. I 've also sent letters to the data furnishers on XXXX XXXX, 2016, and again on XXXX XXXX, 2016. To date, they have n't provided me the requested signed contract, actual documentation or verification that this account does in fact belong to me. I 've researched the FDCPA & FCRA and found out that it is the responsibility of the data furnisher to provide the consumer with all the proper documentation when requested. They are violating the FDCPA/FCRA! I 'm hoping you can help me as my next step and only other option will be to solve this through legal channels.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I am a XXXX in the state of Georgia and I was hired to repair a home that had been damaged by a hail storm. The insurance check was sent to the homeowner in the mortgage companies name, Ditech Financial LLC, and the homeowners name. The homeowner endorsed the check and sent it to the mortgage company. After completion of the work the mortgage company was supposed to send a check back to the homeowner in my name and the homeowners name so I would be paid for the work. I submitted all requested paperwork to the mortgage company and they refuse to pay me for the work. The home owner and myself are on good terms and all work was preformed to the satisfaction of the homeowner.The mortgage company is stonewalling the payment for no apparent reason. I have been lied to by the mortgage company several times and at this point believe that the company has no intention of paying me. I have been left with no other option but to sue the homeowner for the amount due which is going to destroy our good relationship.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-21
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Since 1999, my condominium mortgage loan has been re-sold several different times, to several different companies. Right now, it is with DiTech. DiTech does not just send me my monthly billing statements, however. They also send me " sweepstakes offers, '' " refinance offers, '' etc. I have told DiTech ( & before them, GreenTree ) numerous times that I do not wish to refinance. I have told them this by mail, & by phone. I am also on the " OptOut List. " DiTech sends me their " offers '' in a white, blue & red envelope that looks just like the U.S. Postal Service " Priority Mail '' or " Express Mail '' envelopes. On the outside of the DiTech sweepstakes envelope, it states : " Time-Sensitive Information, '' " Urgent, '' " Tracking Code, '' & " Confirmation of Receipt Requested. " I feel that DiTech is trying to scam seniors, or those who may be confused, with their " DiTech Home Loan Sweepstakes '' envelopes & mailings. I am filing a complaint with your office, as I want other people to be aware. Thank you for your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: FirstPoint Collection Resources
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
This was discharged in my Chapter XXXX Bankruptcy. Balance as of XX/XX/2012 from my Chapter XXXX bankruptcy was {$0.00}. Now this company is harassing me to pay what was discharged back in 2012.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: CATHAY BANK
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I am writing this to you as a complaint, I had made a recall request to the bank in order to recall transfers that I inadvertently made to a fraudulent merchant. 
The details of the transfers are as follows : Amount Currency Transaction Date Sending Bank Receiving Bank Beneficiary XXXX USD XXXX XXXX XXXX XXXX XXXX Cathay Bank XXXX And XXXX XXXX XXXX I was contacted by a company that identified itself to me as XXXX XXXX XXXX XXXX. I was instructed to send these funds to specific beneficiaries. The merchant claimed that the funds from these transfers would be used to fund the brokerage/investment account they provided. At the time, the merchant presented this information as if the beneficiary was actually them. 
I didn't receive the service. The merchant XXXX XXXX XXXX XXXX claims to be a broker and provides a self-directed brokerage/investment account with the ability to trade financial instruments ( stocks, CFDs, Binary Options, commodities, etc. ) and with the ability to withdraw funds on request. This was the service I paid for. But this company doesn't have a license for brokerage / investment services and is unable to have ever provided any brokerage / investment account. because all companies ( the merchant and beneficiaries ) don't have a license for brokerage / investment services, they can't provide me with the service I paid for. 
Since initiating these transfers, I have determined that the named beneficiary does not actually have any type of connection to the merchant at all. The terms and conditions provided on the merchants website list the client agreement as being between the merchant, XXXX XXXX XXXX XXXX, and myself. The name of the beneficiary to whom the funds were transferred by bank wire is not listed on the merchants website. 
It has recently been brought to my attention that there is not any connection between the merchant and the beneficiary to whom the funds were transferred. 
That is why I asked my bank, XXXX XXXX XXXX XXXX, to start the wire recall procedure. My bank sent the wire recall request to the beneficiary bank Cathay Bank several times, but the beneficiary bank I believe that the beneficiary bank Cathay Bank is associated with this fraud and money laundering. 
Cathay Bank has responded in my last complaint that they had no records of any recall initiated from my XXXX XXXX XXXX XXXX. I have attached the responses from Cathay Bank received XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian did not correct my child support balance. It was included in my bankruptcy and disputed the balance, however, Experian indicated that it was already disputed and need to submit new information. 

I attempted to upload the new information to support my dispute but their system did not allow me to. 

XXXX also intercepted my recovery rebate credit and applied the funds to my 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 2015-09-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
There are a couple medical debts listed which I do not owe. This information was confirmed with the actual collection agencies them self. The items still appear to be listed on my credit file and with balances. What happen to " Credit Bureaus offer relief to consumers with medical debt '' For example, existing medical debt defaults that finally get paid -- whether by the insurer or the patient -- will be deleted. 
The accounts in question areXXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX XXXX # XXXX and XXXX XXXX which is not a medical debt but a violation as I do not owe this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-22
Company: ERC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On 2013, I ended my service with XXXX and paid the full amount. After the service was terminated, XXXX charged me for {$81.00} for the next month 's cycle which was a mistake on their part. 

I disputed this collection on XXXX and it was removed from my account increasing my credit score. 

Please assist with this issue I am having. I 'd like to keep a clean credit and I have always been diligent with my payments. I 'd be happy to provide more information. Thank you!

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 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
They have wiped my entire history and do no fix

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 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/21 All are unauthorized inquiries without my 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 non-monetary relief