BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-06
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/2019 This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft Account Number : XXXX This is not mine. 

5. Identity Theft NISSAN MOTOR Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: CONTRACT CALLERS INC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

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 2019-12-30
Company: Performant Financial Corporation
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
The Premiere Credit company contact me about a month ago out of the blue for a debt that was 20 years old. They bought the debt from XXXX XXXX, which was a student loan debt. My first issue with this is that, the debt is 20 years old.The second issue is that they are charging me a total principle of {$580.00} for a $ 20 year old bill. I do not have a problem of paying the initial bill, but what I do have is a problem with them trying to charge me a principle for it. For years I have had poor credit and no one has come at me for any bills owed. Now that I have gotten my credit rate up high and paying my bills like I suppose to -- it seems like everyone is coming out of the shadows to try to collect money from me with threats of put it on my credit report to mess up all the hard work I have do to get my credit to where I want it to be and to stay. I am tired of debt collectors passing my information around and using scare tactics to collect money from me because of my credit and payment history being excellent. I feel that is unfair to me because I am trying to be an responsible person with my credit and payments, now it seems like it is a constant fight to maintain it because of creditors constantly come after me. I have already paid off many debts from collection agency coming after me but when does it stop? I don't mind paying what I owe, if I owe, but using scare tactics such as this Premiere did is unacceptable and adding on a principle to a 20 year old bill that I was never contacted about previously is also unacceptable. Why aren't there any laws to protect consumers, but so many laws to allow collection agency right to collect debt even after 20 years, this is unfair to the consumers because it  appears that no one wants to see a XXXX man with good credit. When does the vicious cycle end? The debt amount is {$880.00}, and they are adding on a principle of {$580.00}.

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 2017-04-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I ordered shades from   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   , CA. I provide d my  Chase  credit card info for half payment. The shades do not fit as promised and are defective. Without authorization   XXXX   XXXX   XXXX   made a second charge for the balance on the contract despite the defective products and installation. Thus, I disputed both the initial  Chase credit card charge ( as defective ) and the second Chase credit card charge ( as unauthorized ). Despite numerous calls and  emails with Ho use of   Blinds, the matter is still not resolved. Despite my secure emails and calls to Chase, Chase " rebilled '' the  second charge because " it was  not a duplicate '' ( a mischar acterization of the dispu te ). Chase makes it e xceedingly difficult to dispute unauthorized charges and to dispute defective product/services. Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We closed on the house that we sold on XX/XX/2019. Title company recorded new owners of property with XXXX XXXX County Courthouse after wiring full payoff amount to PHH with Wire Confirmation on XX/XX/2019. Subsequently, we received in the mail a letter dated XX/XX/2019 from the law firm, XXXX XXXX XXXX that our loan ( that had been paid in full ) was being placed with this firm for foreclosure. The amount demanded was for Principal & Interest, Escrows and Other fees, Attorney Fees and Cost which was {$370.00} more than the amount that had been paid to PHH on XX/XX/2019. The reason for this difference was Attorney Fees & Costs which were being charged after the closing. I contacted the law firm to inform them that we no longer owned the home as of XX/XX/2019. We were told by XXXX XXXX XXXX XXXX XXXX to email them the FINAL ALTA and Wire Confirmation for their records. We emailed these to them on XX/XX/2019. We also called the Attorney at XXXX XXXX ( The Closing Company ) to inform them of the letter and the call that we had received from PHH. We were told by XXXX XXXX  Closing Attorney that he would handle this. On the afternoon of XX/XX/2019 we received a phone call from PHH informing us that we were being foreclosed on unless we made a payment. I told them that the property was sold on XX/XX/2019 and that we no longer owned the property, and they had received the payoff, in full, on XX/XX/XXXX. They said they would research it and call us back. We didn't hear back from them, so called them with the attorney from the title company on the other line on XX/XX/XXXX. After being passed through a few people and put on hold a number of times, PHH acknowledged receipt of the payoff amount they had sent that the title company had sent in the amount of {$290000.00} XXXX the exact amount they had sent, in writing, was the pay off through XX/XX/2019 ). They said they could see it in their system, and they could also see that it had been received by them on XX/XX/2019, as the wire confirmation stated. However, they said they had to escalate it, because they claimed we might owe additional money, and they would get back to us. We have not heard back from them. We have called repeatedly only to be told that it was escalated and they would call us, that the file is still active. In the meantime, they are reporting me late to the credit bureau for XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Due to an information breach with Credit Bureau, my credit file was locked. In attempting to unlock my file, I was told that my answers to security questions were incorrect. However, I am a victim of identity theft since 2010. A police report was filed and an affidavit affirming that my social security number was used in an attempt to file for a tax refund and obtain a home loan. There is also a flexible spending account listed in my credit file that I have no knowledge of. 

How do I get my credit file information corrected and unlocked?

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 2017-08-23
Company: Experian Information Solutions Inc.
State: VA
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:
According to the Fair Credit Reporting Act, XXXX XXXX XXXX a ) ( XXXX ) ( A ), the XXXX credit bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on my credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demanded to see by Verifiable Proof ( an original Consumer Contract with my Signature on it ) from XXXX, XXXX, and Experian what they have in their possesion on file of the derogatory accounts listed on my credit report as well as the unauthorized inquiries with no success. All three credit bureaus failed to positively verify by physical verification as requested by me on several EVERY SINGLE MONTH for these accounts that has hurt my ability to obtain credit. I repetitiously dispute Under the FCRA that unverified accounts must be removed if you are unable to provide me a copy of verifiable proof. My requests have gone ignored and per FCRA you must remove any and all of the accounts that can not be physically verified. XXXX, Experian, nor XXXX have NOT provided me a copy of ANY original documentation required under Section XXXX ( a ) ( XXXX ) ( A XXXX & XXXX XXXX ( a ) ( XXXX ) ( A ) ( a consumer contract with my signature on it ) and under Section XXXX ( XXXX ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified. I informed all three XXXX credit bureaus that The law is very clear as to the XXXX liability and the remedy available to me for negligent noncompliance XXXX XXXX XXXX XXXX if the credit reporting agencies fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. In the results of their first investigation and subsequently in their re-investigation, they stated in writing that the accounts were verified that these items are being reported correctly. When I asked Who verified these accounts and for physical proof? Experian, XXXX, or XXXX have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX ( a ) ( XXXX ) ( A XXXX & XXXX XXXX ( a ) ( XXXX ) ( A ). Furthermore they have failed to provide the method of verification as required under XXXX XXXX XXXX a ) ( XXXX ). Please be advised that under Section XXXX ( XXXX ) ( A ) of the FCRA All XXXX credit bureaus are required to promptly DELETE all information which can not be verified.

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 2019-12-30
Company: Ocwen Financial Corporation
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PHHMortgage holds mortgage with collection being managed by XXXX. Previously, processing was through PHHMortgage directly but moved to their XXXX legal entity. We signed agreement in XXXX that XXXX was to release the escrow for our property taxes by XX/XX/XXXX. They failed to do this. It is now XX/XX/XXXX. 

Placed call and through several customer service escalations we were told conflicting information : 1 ) The check was mailed to us on XX/XX/XXXX 2 ) XXXX didn't know if it was sent to us or the local tax office ( I personally confirmed, this has not been received by local tax office ) 3 ) XXXX was not sure if it was actually issued I have discovered the company is working through multiple legal entities operating out of same business address and is operating their debt collection services out of overseas offices. This may or may not be a legal arrangement, but I am concerned that I have been victimized by a shell organization and that i will never get my money back. 
The varying responses from customer services indicate the staff has been given only cursory information to communicate to callers and have no access to information indicating they are aware of any actual mortgage processing activities specific to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: EdFinancial Services
State: NH
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:
I had XXXX student loans initially from Edfinancial. I graduated school in XX/XX/XXXX, and consolidated them in an effort to get into the PSLF program. The loans were accepted by XXXX and I was approved for the PSLF program in XX/XX/XXXX. The loan was transferred in XX/XX/XXXX, and I received a paid in full letter from Edfinancial. Edfinancial last reported my balance to the credit bureaus in XXXX of XXXX, so its still showing my full balance. They have not reported on my debt since then. Additionally, XXXX  has consistently reported my balance correctly since they took over my loans and I began on the PSLF program. I have called Edfinancial numerous times asking if I still owe them a balance because the total balance is still showing on my credit- despite the paid in full letter. They tell me every time that I do not owe anything, but will not report the debt as {$0.00}. Essentially it looks like I owe the debt twice on my credit report. I have called and sent letters consisting of documentation including my credit reports with letters explaining my position to Edfinancial and they refuse to mark the debt to {$0.00} and report it to the credit bureaus. I have contacted XXXX  and they assure me everything is fine on their end and I can see where theyve been reporting the debt correctly- so I believe the issue is on Edfinancial. I have filed numerous disputes and cited that the debt is being recorded incorrectly and is paid in full, but Ive had no luck with this. Now, Edfinancial is telling me that the department of education changed the federal credit reporting laws, and that this should remain on my credit. That makes no sense to me, as it looks like I owe double the debt that I owe. They're telling me it should resolve itself as soon as the XXXX  begins reporting on it - it has not. XXXX  has been reporting on this debt since XX/XX/XXXX, and the Edfinancial loans are still showing as open and with a balance on my credit report. This is hindering me from moving forward in my life and purchasing my first home. It's unfair that this debt is appearing double when I only owe it once. Edfinancial has done nothing but pass the buck when it comes to their reporting measures and tell me that they can not help me- when they're the ones reporting the debt on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Homeowner has been working a short sale and attorney for home owner has been in constant contact with lender. Attorney was advised that we are in a value dispute. Attorney was never advised of a scheduled sale date. There was apparently a sale date scheduled for X/XX/2017. Lender clearly dual tracked this file. Lender at no time advised attorney for borrower as to sale date despite constant contact with lender and contact less than 24 hours prior to the scheduled sale date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Citizens Bank has been regularly reorganizing the order in which charges are processed through checking accounts in order to increase the amount of overdraft fees. Most recently I realized I was going to go into overdraft because a refund that was supposed to hit my account was applied incorrectly by the state. While they are researching where that money went to and my knowing that my account would now overdraft, I began taking screen shots of my account each day as I knew Citizens had a history of reorganizing transactions in order to increase the overdraft fees. I 've been charged {$100.00} so far for 3 transactions which I have printed documentation had not thrown my account into overdraft. When I called the bank they advised that a pending transaction caused those overdrafts and would not waive the fees. When I advised them that I had been taking screen shots of the banking site and printing the proper documentation that this was not the case, I was advised that they could only go by what the system tells them on their side and refused to refund any of the charges. The issues occurred on XX/XX/XXXX, XX/XX/XXXX. The three charges were for grocery shopping I did on XX/XX/XXXX. The transaction the bank claims to have caused the overdraft was processed on XX/XX/XXXX from a doctor 's appt. A full day later. Now of course this has thrown even more into overdraft and I stand to be charged another {$300.00} in fees. I do not regularly overdraft my account and am so disgusted that the banks get away with this. Another note is that we received money as part of a class action lawsuit just 2 or 3 years ago for Citizens Bank engaging in this very practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: Experian Information Solutions 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 as when I learn that my identity was stolen and my name was used to create fraudulent account in my name, this report is the first step to document this incident and hopefully the start of cleaning my name. 
Also an FTC report was filed containing the detail of these account Thank 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 2019-12-30
Company: JPMORGAN CHASE & CO.
State: CO
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
On, or about, XX/XX/XXXX, I called JP Morgan Chase Financial to inquire about the pay-off and purchase price for my auto lease for a XXXX XXXX XXXX XXXX. I was informed that there was nothing they could tell me until my lease was paid in full. 
On, or about, XX/XX/XXXX, I made my final lease payment nearly 4 weeks early so I could begin the purchase process. 
After waiting 5 business days for the account to be updated, I called Chase again. I was told to go see the dealer whom I leased the car from to refinance it. After visiting the dealer and obtaining a purchase price that was over {$1500.00} more than the contracted purchase price stated in the lease, and having the car keys taken until a demand had to be given in order to get them back, the dealer price was unacceptable. 
On, or about, XX/XX/XXXX, I called JP Morgan Chase Financial again to inquire about the pay-off and purchase, and was told this time that Chase would do the financing. I agreed, and Chase tool all my information and said someone would call me back. Nobody ever called back. 
On, or about, XX/XX/XXXX, I called JP Morgan Chase Financial again to inquire about the pay-off and purchase, and was told someone was working on it. 
On, or about XX/XX/XXXX, I called XXXX XXXX XXXX to inquire about financing the purchase of my Lease that doesnt officially end until XX/XX/XXXX ; last payment due XX/XX/XXXX but made XX/XX/XXXX. XXXX XXXX took all my information and said they would let me know. 1 day later I was approved, and all they needed to know was the details of the payoff from Chase that I have been unable to receive. 
I called Chase several times since then, with the most recently called and spoke with Chase on XX/XX/XXXX. At that time, they said they would fax over the buyout package to my XXXX XXXX representative and I gave them all names and numbers to fax immediately. At that time, they again tried to make me talk to someone who could clear up the problem, but I knew it was someone who would again try to sell me on their local financing and then never to be heard from again. I told them I only needed my payoff package and the girl said it was on its way. To date, XXXX, my XXXX XXXX representative has received nothing from Chase and my lease is officially over, with Chase expecting new payment but will not give me any response of the buyout amount in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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  account # XXXX ( XXXX XXXX ), XXXX XXXX XXXX  XXXX  # XXXX, XXXX XXXX has violated my rights. 

15 U.S.C 1681 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. 

XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX  ) XXXX XXXX # 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 non-monetary relief