BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-16
Company: Southwest Credit Systems, L.P.
State: LA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have the same name as my father, he had internet service with XXXX in 2013. He informed me he closed the account. This may have been a credit file mix up but i assure you this is not my debt. I recently discovered this earlier this week. I need this removed immediately because this is effecting my credit and I have nothing to do with this. It was falsely put onto my credit report and I had no idea.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2017-10-10
Company: Rosebud Economic Development Corporation
State: PA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I made a written request to stop receiving phone calls, but they are still trying to harass me over the phone for a payment.

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 2017-10-10
Company: Radius Global Solutions LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
As a Class Member of the XXXX XXXX XXXX Data Breach, I assert that this debt is likely caused by an Act of Personal Identity Theft by an unknown perpetrator.

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 2017-08-14
Company: ALLY FINANCIAL INC.
State: NM
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:
XXXX - I paid off my automobile loan in the summer of 2010. I  requested a copy of my credit bureau from XXXX, and to my surprise in the comments section ; Consumer Disputes ( disagrees ). I have tried on numerous occasions to have to removed however, after 8 attempts over the 7years. As a last resort I must contact the CFPB.

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 2020-10-05
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Quicken Loans I had an autopay set up on the loan. The payment amount had been the same for the entire term of the loan. In fact, I always overpaid the amount due each month. 
I moved in XX/XX/XXXX. I updated my address with Quicken Loans for all mailed statements in XX/XX/XXXX ( in a timely manner Quicken Loans contacted me by phone in XX/XX/XXXX to let me know that the impound account ( tax payment ) had increased and that I had a new monthly mortgage amount. I was traveling abroad at the time, but I DID call Quicken Loans back and spoke with an agent. It was late XXXX ( around XX/XX/XXXX ) and I let them know that I would send the difference for XXXX ( new payment amount - autopay amount that had been sent in early XXXX for regular monthly payment ) PLUS the entire new amount for the XXXX payment immediately by mobile banking from XXXX XXXX XXXX. I immediately initiated payment from XXXX  XXXX XXXX on XX/XX/XXXX. The payment was received by Quicken Loans on XX/XX/XXXX and they had reported me to the credit bureau on XX/XX/XXXX. 
Note : I DID make payment for XXXX in a timely manner ( on/around XX/XX/XXXX ) but they put this amount into an escrow account bc it did not include the {$9.00} increase for taxes. I DID speak with Quicken Loans to explain that I was over seas and would make payment immediately on XX/XX/XXXX. The Quicken Loans agent made a note in my account and said that would be acceptable to them. I have filed numerous appeals with Quicken Loans, I have zero history of ever making a late payment with them, and they continue to refuse to remove the late payment from my credit report. My credit dropped from XXXX to XXXX as a result of this report ( for a discrepancy of {$9.00} ) which I paid BEFORE the XX/XX/XXXX deadline to be reported to the bureau AND I had communicated my situation to Quicken Loans prior to the deadline. Thank you, in advance, for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: ERC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have had something appear on my credit for {$390.00} -- it was from Enhanced Recovery and they have advised that the original credit was XXXX XXXX XXXX .. it has an opened date on my credit report of XX/XX/XXXX I have tried to call the company and explain that this was not my debt and that my service has been with another company for over 8/9 years -- they did mail me something but it was not anything with a signature or anything proving it was me.. it was like a final bill from XXXX XXXX XXXX -- I need this removed -- i also tried on XX/XX/XXXX to dispute it through XXXX and it just came back as verified correct -- but it is not.. and they refuse to provide proof of the original debt -- They did have a bill but without a signature on something it is my feeling that this could have been anyone -- and they are still reporting negatively

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: CITIBANK, N.A.
State: MN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I saw that there was a large withdrawal made from my Citibank savings account to a XXXX XXXX account. I do not have an account with XXXX XXXX. I called Citibank on Wednesday, XX/XX/XXXX to file a complaint and they said they would start an investigation. There has been a credit in my account for the amount withdrawn and I am waiting on the pending results of the investigation.

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 2017-10-10
Company: Ditech Financial LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This mortgage is not and was not late since the bankruptcy filing date of XX/XX/13 as all payments were paid as agreed via the trustee and not 30 days late since

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: JPMORGAN CHASE & CO.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XX/XX/2017 my debit card was stolen and used for a purchase at a walgreens for an amount of {$210.00}. Immediately upon discovering this I notified my bank J.P Morgan Chase of this issue and filed a fraud claim. Additionally I filed a police report with the city police for the crime. Now this crime was unique in the fact that my card was taken from my wallet without my knowledge then returned as a means to hide the actions of the perpetrator. I explained this to Chase and they issued me a credit for the amount lost, and sent me a new card. My case with the police department was worked by a detective that handles financial crimes, surveillance tapes were reviewed, and an arrest warrant was issued for the individual that had stolen my card. 

After this had occurred on XX/XX/2017 I received an email from Chase stating that my fraud claim had been denied and that the credit would be removed from my account. I reached back out to the chase fraud department and asked for an explanation, they stated because my bank card has a chip and because it was in my possession at the time of the transaction no theft could have occurred and therefore my claim was invalid. I explained again what had happened when the crime occurred, the representative said that a new claim would be opened and the claim reversal amount was never removed from my account. 

After receiving no information from chase on the status of this investigation, on XX/XX/2017 I noticed a transaction on my account for a claim reversal for the previous amount stated of {$210.00}. I contacted Chase bank and they said part of the issue was there being two claims open for the same transaction. The rep closed one of the claims, and said that the credit would be returned to my account within 3-5 business days. 

Today XX/XX/2017 I contacted chase bank to follow up and inquire why the credit had not been returned. The first rep I spoke to had stated because the claims department was attempting to contact walgreens to verify information about the transaction and that there was no timeline as to when this would be completed. Being dissatisfied with this I accepted an offer to speak to a representative in the escalations department. This rep I spoke to then informed me that there was no open claim and that chase had completed their investigation, and that the credit was properly removed from my account and would not be returned. I requested that this claim be re-opened and offered to provide the police report and information regarding the criminal investigation and subsequent arrest warrant issued regarding this claim, however the representative stated that this documentation would have no bearing in the investigation because it was closed and would not have any impact regarding the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
In XXXX XXXX, I enlisted in the XXXX XXXX and a credit report was required, when I obtained my credit report I found several discrepancies. I then made contact with all XXXX credit bureaus to correct them. It been XXXX years, and there are several things that are still on my Experian credit report. The below listed items are still on the Experian credit report : XXXX XXXX XXXX, XXXX ( I was XXXX years old ) XXXX XXXX XXXX, XXXX ( I opened my very XXXX credit card with XXXX in XXXX, Ive never had a XXXX card ) XXXX XXXX XXXX student loans, dated XXXX XXXX, XXXX ( I was XXXX years old ) XXXX XXXX XXXX student loan XXXX XXXX, XXXX ( I was XXXX years old ) XXXX Student loan XXXX XXXX, XXXX ( I was XXXX years old, still in high school ) XXXX XXXX Student loan XXXX XXXX, XXXX ( I was XXXX years old ) XXXX XXXX Student loan XXXX XXXX, XXXX ( I was XXXX years old ) XXXX XXXX missed payments XX/XX/XXXX, XX/XX/XXXX XXXX ( I was XXXX in XXXX with the XXXX XXXX XX/XX/XXXX-XX/XX/XXXX and Ive never owned a home ) I will attach a copy of the credit report to this file. 

All of the above listed are still on my Expieran credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
tO START, this XXXX account was in my ex husbands name and SSN. I never gave my SSN or owed this debt. 

I have been contacted and Harassed by this company and every collection agency they sent this off to for years now. 

In XX/XX/XXXX I was contacted by XXXX, was offered a settlement and I Paid it in Full on XX/XX/XXXX. Since then I was Harrassed by XXXX who I also reported on this site, Case number: XXXX. XXXX  "ENHANCRCVRCO" and XXXX where both Falsely reporting at the same time. Now XXXX is not showing on my credit any longer but XXXX "ENHANCRCVRCO" still is. This account has been Paid once, I have the release of liability, and i refuse to pay it a XXXX time.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-14
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We took out a loan with Fifth Third Bank ( 5th3rd Bank XXXX www.53.com in XX/XX/2010. Since then we have dealt with a series of issues with the bank regarding posting our payments correctly. After years of agitation and frustration, I decided to submit this claim and write a letter to the CEO. The latest event occurred in XXXX when the bank increased our escrow without cause of an increase in insurance or property taxes. As a result, our monthly payments increased without our knowledge. We submitted our regular payment without the increase. As a result, the bank did not apply the payment, but returned a check drafted on their account. We spoke with a representative on XX/XX/XXXX who told us that the late fee that assessed due to the lateness of this payment would be reversed. On XX/XX/XXXX, the bank sent us a certified letter threatening the foreclosure on our home due to non-payment of over 2 months. As a result, the bank did not apply our XXXX or XXXX payment, but reported late payments to the credit bureaus. I immediately contacted the bank to inquire about this threatening notice, only to be told that 2 payments are being held in their escrow until the excess fee from XXXX of {$32.00} was paid. I immediately paid the fee to avoid any further delinquencies so they may apply our money that were being held hostage for a late fee, which they created in the first place. I then spoke with a representative in their escrow department who told me that the payments were increased due to lack of insurance. She then had to transfer me to the insurance department for specific details after I mentioned that at no time was our home uninsured. I then spoke with a representative from the insurance department who mentioned that she has no record of any lapse in our insurance. So 90 minutes later we have a 60-day delinquency on our credit and obligation to pay a fee so our money could be applied to the mortgage to avoid foreclosure proceedings. This is just one of the many unbearable practices by Fifth Third Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a living person, I'm a natural human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681 and they violated my rights numerous times. I demand the accounts listed below be removed because : According to 15 USC 1681 : I have rights to privacy and I do not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-25
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have disputed XXXX Chapter XXXX BK 's with XXXX Balances and a Tax lien that does not belong to me. I called XXXX that they are getting this info from that was on my Equifax credit report. They told me the last time Equifax received information from them was in XX/XX/XXXX. I have been disputing the BK issues since XX/XX/XXXX. I have repeatedly asked them to show me proof with my signature that those BK belong to me, They need to pull a new report from Lexis Nexis and show me proof with my signature, I already called the BK Courts and they clearly stated to me that they do not report to any credit agency. Information on BK filings can be incorrect. If this is n't done then I will fill another small claims suit against them. I already filed a lawsuit against XXXX XXXX XXXX the CEO of Equifax adding this tax lien on my credit report, the court case is XX/XX/XXXX. He has already been served. I will do the same if those XXXX BK 's and tax lien on my credit report are n't removed at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27
Company: EQUIFAX, INC.
State: PR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I voluntarily turned in a pick up to   XXXX   XXXX   due to health problems  (  back problems ). The loan was up to date and the unit was sold leaving a remaining balance. The remaining balance was payed off as requested by the lender. My action was voluntary and accepted at all times. As you can see the payments were  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: TOYOTA MOTOR CREDIT CORPORATION
State: LA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I pay on my account 01 to 08 month of 2016 toyota motor credit have dramge my credit with negatively mark on credit so i can not trade my car i had 5 month left on lease every dealer ship i with to had hard time get information when they call and went they look at transunion i had now if i pay a lease car for 10 month they would have came got call they just do want see me trade car they close my account and did want me to pay on it .i still have car we going court this was a lemon car deal for new car to shut me up now i having problem 5 month left i have paper from attorney General of they violation on that i trade for lease i did want to lease and i did have good credit to lease

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: Focus Holding Company
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Focus XXXX XXXX opened an XXXX XXXX Account XXXX XXXX XXXX about 6 months ago. They claim that I owe them {$230.00} dollars when I dont have XXXX XXXX cable. I lost my wallet the previous year and I believe that it might just be identity fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
When I called Navient to lower my monthly payments or temporarily postpone my payments so I can start saving my money they would not work with me. It was their way or nothing. Very upsetting and frustrating as I have other school loans and obligatory bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: PHH Mortgage Services Corporation
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
In XXXX XXXX, I was contacted by my current mortgage company, PHH Mortgage, asking if I would be interested in refinancing my home with a HARP loan. I was and we began the process immediately. Everything they asked me for was provided to them in 24 hours or less and I have the documentation to prove that. However, it is currently XXXX XXXX and my refinance is still not completed. This is Month 7 of this process. I complained to the supervisor of the individual once and she apologized. Several months later, I contacted her a second time and asked that the individual handling my refinance be removed and replaced with someone else, but she refused to respond to my email and voicemail messages I sent/left for her. I am completely devastated by this whole process. I could have gone with several other lenders, but chose to stay with PHH since they are my current mortgage company. I have spoken with many friends and family members and they are baffled by this length of time, and every single one of them chalk it up to incompetence. Please help me. I want to file a complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: BMW Financial Services NA, LLC
State: CT
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Auto pay was supposed to be paused for this month, I spoke with two BMWF reps previously on different occasions, both stated auto pay was or supposed to be paused for this month and next month, continuing for the month of XXXX. However, a payment in the amount of XXXX was taken out today, XXXX, which caused me an overdraft fee in the amount of XXXX and was paid. The item was placed in dispute since I was told auto pay was paused previously, as stated before. The item is overdrawing my account and needs to be credited back, hence the dispute. I am paid up until XXXX, even without payment posting.. A rep by the name of XXXX stated he could look into crediting any fees associated with the payment taken from my account, the attach screen shot shows the two overdraft fees pending currently, in the amount of XXXX total, labeled at debit card authorization. I need XXXX credited back ASAP as well as payment in the amount of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: AVANTE
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am disputing the above-referenced debt. Please verify this debt as required by the Fair Debt Collection Practices Act ( FDCPA ) ( Section  XXXX  ) and   XXXX   XXXX    XXXX  Administrative Code ( section  XXXX  ).   XXXX   XXXX    XXXX  regulations require all debt collectors to send specific written documentation verifying the debt. Under section  XXXX  of the Rules of the   XXXX   XXXX   XXXX   XXXX  , verification requires all of the following : Proof of my agreement to pay the original creditor ; A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and basis for each charge I dispute this debt because I DO NOT OWE THE DEBT nor RECOGNIZE SUCH DEBT, and I never received such service for which I 'm being charged in the first place.   Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported this debt to the credit reporting agencies PLEASE NOTIFY THE CREDIT REPORTING AGENCIES THAT THE DEBT IS BEING DISPUTED AND/OR DELETE THE TRADELINE FROM MY CREDIT REPORT. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDCPA and the Fair Credit Reporting Act.   Aside from verifying the debt, do not contact me about this debt. The FDCPA and Rules of the  XXXX    XXXX   XXXX   XXXX   ( section  XXXX  ) require that you honor this request. Thank you.

Company response to consumer: Closed with explanation