BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Per the FCRA as reflected in the attached, there are 7 Obligations of a Credit Reporting Agency, The most important is to Investigate any disputed credit information in your file, with very limited exceptions. Transunion and XXXX  do not comply. I have filed multiple complaints on XXXX XXXX. But XXXX and Transunion do not investigate but simply send to XXXX XXXX who then wrongfully confirms they are reporting accurately. That is not a proper investigation. That is shuffling paper and passing the buck. I have tried calling XXXX  and Transunion but talk to another country who now has my personal information. I have repeatedly made request from XXXX XXXX to furnish a copy of the valid permissible permission and the credit report pulled that led to the fraudulent car loan that was put into my name. Transunion, XXXX, and XXXX XXXX have at least XXXX of these complaints plus all attachments I have been sending. I will repeat myself again -- -- -- My identity was stolen together with false pretenses and forgery in XX/XX/2017. Two cars were purchased in my name ; same day, same dealership. My credit was accessed without permissible permission to check me out before a forged application and contract was completed. One of the lenders was XXXX XXXX XXXX who has recognized the fraud and dropped their {$22000.00} claim long ago. XXXX XXXX refuses. I have then requested the valid permissible permission with copy of credit report pulled to prove the fraud and lack of permissible permission. XXXX XXXX  refuses. I have made more that 100 complaints with Consumer Financial Protection Bureau. XXXX XXXX ignores and plays games by listing all complaints as duplicate. XXXX XXXX sent at least 50 letters requesting I supply more personal information with affidavit so they could start a fraud investigation. Yes, they requested more information even when they didn't have permission to access my credit at the very beginning of the fraud and acquired all my personal information. AMAZING!!! This has being going on for almost 4 years!! I have sent fraud affidavit, sheriffs report, and information on the thief and forger currently in a Mississippi XXXX. I will attach again.

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 2020-08-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I disputed a transaction with airlines and it took 4 months for Bank of America to respond and finally the airline responded with false information and the bank denied my dispute, they just accepted the merchant word without any due diligence work or any verification.

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 2016-11-11
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian is the only credit report that is reporting XXXX accounts with XXXX that should not be on there. I have disputed this account with the other bureaus and it was deleted. 

XXXX - XXXX XXXX - XXXX XXXX - XXXX These accounts were not verifiable through the FCRA and not validated by the FDCPA & gt ;

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 2021-01-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
Per the FCRA as reflected in the attached, there are 7 Obligations of a Credit Reporting Agency, The most important is to Investigate any disputed credit information in your file, with very limited exceptions. XXXX  and XXXX  do not comply. I have filed multiple complaints on Capital One. But XXXX  and XXXX do not investigate but simply send to Capital One who then wrongfully confirms they are reporting accurately. That is not a proper investigation. That is shuffling paper and passing the buck. I have tried calling XXXX  and XXXX  but talk to another country who now has my personal information. I have repeatedly made request from Capital One to furnish a copy of the valid permissible permission and the credit report pulled that led to the fraudulent car loan that was put into my name. XXXX, XXXX, and Capital One have at least 100 of these complaints plus all attachments I have been sending. I will repeat myself again -- -- -- My identity was stolen together with false pretenses and forgery in XX/XX/2017. Two cars were purchased in my name ; same day, same dealership. My credit was accessed without permissible permission to check me out before a forged application and contract was completed. One of the lenders was XXXX  XXXX XXXX who has recognized the fraud and dropped their {$22000.00} claim long ago. Capital One refuses. I have then requested the valid permissible permission with copy of credit report pulled to prove the fraud and lack of permissible permission. Capital One refuses. I have made more that 100 complaints with Consumer Financial Protection Bureau. Capital One ignores and plays games by listing all complaints as duplicate. Capital One sent at least 50 letters requesting I supply more personal information with affidavit so they could start a fraud investigation. Yes, they requested more information even when they didn't have permission to access my credit at the very beginning of the fraud and acquired all my personal information. AMAZING!!! This has being going on for almost 4 years!! I have sent fraud affidavit, sheriffs report, and information on the thief and forger currently in a Mississippi XXXX. I will attach again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27
Company: Alliance One, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
i received a letter from Alliance One Receivable Management, the telephone number in such, XXXX misrepresents the collection agency. This toll free number directs me to an automated system full of marketing sales advertisement. From XXXX offers, emergency service for the elderly, up to mobile phones sales. i question the legitimacy of this company. I feel they are trying to phish for information if i choose an offer. it is concerning they have my PII information, fake such a letter, and may take advantage of computers. This is unfair and deceptive practices. I found their number on-line and spoke with XXXX XXXX who was rude - she refused to provide me information about the legitimacy of her company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
request for validation of debt. don't have a debt or owe this collection agency. 
requested documents-no response request to delete from m credit due to inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: ALLY FINANCIAL INC.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I've explained to Ally Financial several times my current financial hardship. We discussed different payment plans making it feasible enough for me to become current with my loan. We agreed that I would pay an extra {$100.00} a month to bring the loan current. However, I am also being charged a late fee of {$100.00} each month, making a current balance unobtainable and furthering my debt. I am now being threatened with repossession, and harrassing calls XXXX to XXXX times a day to my phone and my family members, while still making payments.

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 2015-08-30
Company: Ditech Financial LLC
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We purchased our home located in XXXX, Washington in XXXX of 2010. The title search revealed no outstanding mortgages on this property, so the previous owner, XXXX XXXX, walked out of the title office with a check for the full proceeds of the sale. 

Shortly after we moved in, XXXX began leaving envelopes on our doorstep addressed to the previous owner that came from XXXX home retention department. We immediately contacted XXXX XXXX and they reran the search and again came up with no record of any liens on our property. 

Several months passed and notices began to appear at our door to contact Green Tree Servicing. Unfortunately I was told that unless I had permission from the long since vanished previous owner, they would not talk to me. I did have XXXX representative at XXXX time tell me that they owned our home and that we should contact XXXX County and ask them about the missing deed of trust. 

I contacted XXXX XXXX and they agreed to open a claim against our title insurance in case Green Tree attempted to foreclose. XXXX further research revealed that an out of state title company recorded the deed in XXXX County, making it null and void according to XXXX claims attorney. A phone call to XXXX County also revealed that XXXX County notified the title company, but this title company failed to refile in XXXX County. The State of Minnesota eventually shut this title company down. 

We then began to have representative from Green Tree 's local foreclosure contractor ( XXXX XXXX ) ring our doorbell asking for the prior owner and leaving the same " contact us '' pamphlet behind. Eventually they quit showing up and no foreclosures were initiated. 

Apparently Green Tree has n't completely given up. For the past several years they have continued paying half of our property taxes. Our own bank pays the first installment and so does Green Tree. I contacted the County to find out who has made this year 's first tax installment and it once again was Green Tree Servicing. XXXX XXXX still has an open file, but Green Tree refuses to talk to them as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: Experian Information Solutions Inc.
State: MI
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  accounts XXXX XXXX XXXX # 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. States a consumer reporting agency can not furnish any account without my written instructions. I have tried to reach this company numerous times concerning this issue, however I was not successful. This account has caused great damage to my credit report. Assistance is advised.

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 2022-05-16
Company: FISERV INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone has access to my social security number, various forms of identification, and birth certificate. Have had multiple bank accounts breached. Multiple fraudulent charge claims utilizing bank wire transfers have been filed with XXXX XXXX  XXXX  XXXX. With XXXX XXXX, I had fraudulent charges on XX/XX/2022 for {$500.00}, XX/XX/2022 for {$10.00}, and XX/XX/2022 for {$20.00}. First bank account breached was with XXXX XXXX. Then I moved to XXXX and had that bank account breached. With XXXX, I had a fraudulent charge of {$400.00} on XX/XX/2022, and an attempted fraudulent XXXX payment on XX/XX/2022. I am now in the process of moving to XXXX  XXXX XXXX. On all attempts, customer care was contacted in order to reverse or return money and report charges.

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 2020-08-05
Company: EQUIFAX, INC.
State: AR
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 was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. XXXX XXXX XXXX {$740.00} XXXX XXXX   XXXX $ XXXX XXXX {$1100.00} XXXX XXXX XXXX {$430.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage with Carrington Mortgage. They took over this mortgage loan on XXXX XXXX 2016. My monthly mortgage payment includes and escrow portion for taxes and insurance. Carrington Mortgage failed to make the insurance payment causing my policy to be cancelled for non payment. The recent XXXX storms caused damaged to the home. The home is exposed to the elements and is at risk of additional damage. Carrington is trying to shift responsibility of the non payment to me. The property has no insurance and despite my efforts I am transferred between people with no progress. They have advised me that they will force place insurance at a higher cost causing my payment to go up and my coverage to go down for my own personal investment interest on this property. on XXXX XXXX they said they would send an adjuster out and they have not contacted me or sent anyone out as of XXXX XXXX. They are talking about filing a claim with another company which will not work since the damage is preexisting. They clearly have no idea what they are doing. 

They need to prioritize the issue since the property is not properly secured and exposed to the elements. My efforts at covering the hole in the roof are temporary. If another storm goes through there will be additional damages. 

In the meantime, I have tenants displaced that I am covering their housing costs.Please kindly involve yourself in this issue to get the mortgage holder to understand the severity and importance of their proper handling of the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I received a call from Customer Service they are closing my account because I am well known in the     XXXX   XXXX  . I invest in   XXXX   and buy and sell it. The bank does n't want any customers who have anything to do with  XXXX . I 've had this account since it belonged t o   XXXX   XXXX   XXXX  .   They always treated me well and with no problems. As soon as Huntington  Bought   XXXX   XXXX  ,  they moved to close my accounts. I did nothing out of the ordinary besides deposit and withdraw money and it was n't any large amounts or very often. It is a shame that we in the   XXXX   XXXX   can not have any bank accounts because they close them any time they find out we are  XXXX  people. They also sent me a letter that says they are closing my account but conveniently omitted the reason because they are afraid to put it in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: ECMC GROUP, INC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
My name is XXXX XXXX. Over 30 years ago, i took out less than {$5000.00} from XXXX XXXX XXXX Bank. I have paid out close to {$15000.00} over the years and when i speak with XXXX XXXX XXXX ( XXXX ) in XXXX NY, the collection agency taking my social security paycheck, they tell me i still have close to a {$3000.00} balance. 
This is absolutely insane. I have paid this loan off more than 3 times and they still say i owe the majority of the balance. The holder of the loan is ECMC in XXXX MN XXXX Plz help 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 explanation
Consumer complaint received 2016-11-09
Company: JPMORGAN CHASE & CO.
State: DC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I have had a mortgage loan with JPMorgan Chase since 2008. Over the past two years, " XXXX XXXX XXXX Chase '' has sent me monthly XXXX packages with offers to refinance my loan. Over the past year, I called Chase twice and emailed Chase once to ask them to stop sending me offers. During my last call, they said they would stop. However, I continue to receive monthly UPS packages. Their lack of response has completely turned me off to Chase and led me to report this behavior to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was sold by Green Tree to Ditech in 2015. We have been paying our property taxes and insurance through escrow throughout the course of the loan. While the amount of our mortgage did n't change, we received a property tax bill from XXXX in XXXX for $ XXXX for property taxes that had n't been paid for 6 months. Ditech said they were n't responsible for paying escrow. We made a personal payment on XXXX to the XXXX for the entire amount due as we did n't want our home to have liens put on it. THE SAME DAY Ditech made a tax payment also. Now they are saying that we have an escrow shortage and have changed the amount of our monthly payment. We are trying to get our overpayment back from XXXX XXXX as Ditech is now going to be paying our taxes. I read on the consumer affairs website that Ditech has had numerous problems with this Green Tree acquisition some problems similar to ours, others were n't getting their homeowners insurance paid, others did n't have automatic payments taken out they had previously set up and now have a late payment on their credit report. The public needs to be protected from businesses like this. They have the power to do a lot of damage.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Hopefully this complaint isn't overkill. 

With covid-19 in our lives it seems like everything is taking far longer than it should. Packages are intermittingly arriving late, appointments are being delayed, and in general things aren't being done on time if at all. Due to all of this I no longer have trust that things will get done appropriately or in a timely manner. As such, I have decided to file this complaint against Equifax, XXXX, and XXXX XXXX. 

On XX/XX/2020, I sent a notice by mail to all three credit bureaus. There is a collection that is reporting with all three bureaus and I know this account is far more than 7 years old. I told them the account hadn't had activity in more than 7 years and therefore it needed to be removed. We are on XX/XX/XXXX and I still don't have any notices. Instead of waiting to see if it arrives later, I took the pre-emptive stance to file this complaint to make sure the credit bureaus respond to it. Please understand my credit is my lively hood and I take it very seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Santander Consumer USA Holdings Inc.
State: IL
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, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for o purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions

Company 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