BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-25
Company: Ditech Financial LLC
State: NE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have always paid my mortgage automatically. However, when ditech took over my mortgage in XXXX 2016, my autopay was taken out incorrectly, replaced, then never corrected all without my knowledge until I started receiving collection calls. All prior payments and subsequent payments were made on time. I tried resolving with ditech over the phone over a couple months, multiple phone calls, etc. but the amount was wrong, there were late fees added, and the entire thing was a complete mess!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: ECMC GROUP, INC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
On XXXX XXXX, 2016, I enrolled in the services provided by XXXX XXXX XXXX. XXXX XXXX XXXX offers service against debt collectors. After contact was made with the debt collector ECMC on XXXX/XXXX/2016 by XXXX XXXX XXXX, the process began. ECMC sent to me what is labeled as " Validation of Debt '' on XXXX XXXX, 2016. I then forward the " Validation of Debt '' documents to XXXX XXXX XXXX the next day, XXXX XXXX, 2016. 
In the process of validating a debt, there are certain things that are to take place : 1. You must get written proof that your account has been sold or assigned to the CA 2. You 'll also get a copy of your current account payment history. This will help you verify the total amount you owe, including any fees being added to your debt. You should also find out how the CA has calculated these extra fees. 
3. A copy of the original contact. This is intended to prove to you that you agreed to the debt. If they do not provide you with a copy of the original agreement, the CA may also provide you with the account statements from the original creditor. 
If they validate the debt, the collector is required to send a copy of your agreement with the original creditor. This was not done.

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 2022-05-06
Company: Maximus Education, LLC dba Aidvantage
State: TX
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, XXXX AND XXXX XXXX ARE STILL SHOWING ALL MY DEPT. OF EDUCATION/XXXX LOANS AS OPEN WITH BALANCES WHEN THEY WERE ALL APPROVED BY THE DEPT. OF EDUCATION ON XX/XX/2021 TO BE 100 % DISCHARGE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
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 a credit with Toyota Financial Services where all the payments were automatically discounted from my bank account. All the payments were discounted from my account every XXXX of every month, Including XX/XX/XXXX for an amount of {$470.00}. On XX/XX/XXXX I went to the XXXX dealer to change my car and they specifically asked me to not pay the XXXX payment because they will do a new contract and account for my new car. I kept receiving calls from Toyota Financial services even in XXXX, so I paid on XX/XX/XXXX the amount of {$470.00}. Not even 30 days after my billing day in XXXX. Even after I paid I kept receiving calls from Toyota Financial Services and I found out that they didn't record my XX/XX/XXXX payment, even when they discounted automatically from my account. They never recorded that payment and that's why they thought I was late in XXXX, even when I paid before the XXXX that I was supposed to. My last payment was on XX/XX/XXXX, and XX/XX/XXXX. My billing day was XXXX XXXX and I pay only 22 days later because Toyota specifically told me to not pay. Either way, I made the payment and it wasn't late. I know that I have 30 days to pay and then I will receive a warning.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
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: Their investigation did not fix an error on your report

Complaint:
This complaint is for both Equifax and XXXX Banks with whom I had a XXXX XXXX XXXX back in XXXX. I opened the account kept it in excellent standing, and after paying the card off the next year I closed it. It remained on my Equifax credit file as and account in good standing until XXXX. 

In XXXX, XXXX bank sent me an email saying I should call them and update my mailing address. When I called I was told that the closed account had a positive balance and they said they would mail me about {$40.00} to the updated mailing address I had just given them. I never received the check. Around this time I also noticed that XXXX was only updating the status of that account to Equifax and not the other two credit bureaus. I called XXXX and they said that they would reinsert them to the other files. 

In XXXX I saw that on my Equifax file XXXX had done a hard inquiry, which I did not feel was necessary or justified since I no longer had an open account with XXXX and since it negatively impacts my credit score. 

In XXXX of this year XXXX sent me a strange letter saying that they investigated my claim ( which i never asked for ) and found that the account was not opened by me ( it was ). The rest of the letter detailed how they would remove it from my credit and shut down the closed account. Today on XX/XX/2022, I called XXXX and told the file m in no uncertain terms that the XXXX XXXX account wa opened by me, paid regularly and paid off and then closed by me. They told me that Equifax disputed not the inquiry, but rather disputed the legitimate account on my behalf and therefore they could not reinsert and suggested I call Equifax. 

A series of bumbling errors have been made by both companies and the end result is that is detrimental to my credit file. The XXXX extras card was opened by me, is mine and as such I have a right to not have it disputed without my permission as there is no error in its reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12
Company: JPMORGAN CHASE & CO.
State: TN
Product: Credit card
Issue: Payoff process

Complaint:
We received a bill in XX/XX/XXXX with a New balance for the month. We paid the full balance before the due date and did not use the card for any additional charges for the month. When we received the XX/XX/XXXX bill, which we expected to be {$0.00} since we paid the full amount, we were shocked to see that the company, Chase Card Services was charging us {$80.00} for interest. 

Obviously, we want the charges for the {$80.00} additional in interest removed from our bill, as we paid the full amount due before the due date. I am not sure why they would show you a new balance and expect to be able to charge you interest on it when you pay it in full. 

We contacted Chase and spoke to 4 different people about the issue, and all refused to remove the amount due from the card. 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-26
Company: Dream Center Education Holdings
State: MN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
I started at The Art Insititute XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXand finished at The Art Institue of XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX have fallen victim to predatory lending, and have been mislead by the school to take out private and federal loans.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
1. XXXX XXXX XXXX XXXX XXXX for NC XXXX Account # XXXX ) has violated my rights ;. 

15 U.S.C. 1681 section 602 A states I have the right to privacy. 

15 U.S.C. 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

See Page 10 of first attachment and See Page 1 of dismissal from court

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 2022-10-06
Company: EQUIFAX, INC.
State: GA
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:
The inquiry listed below is a fraudulent inquiry that is being reported on my Equifax credit file Ive contacted equifax three times and received three different removal confirmation numbers which is listed below along with the name and date of the fraudulent inquiry also included is a identity theft report. 

Equifax Inquiry Removal Confirmation Number XXXX, XXXX, XXXX Equifax Fraudulent Inquiry XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: The Bureaus, Inc.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
on XX/XX/2022 i requested The Bureaus Inc a validation of the alleged debt, firts they did not send any letter to request to verify the debt, XX/XX/2022 send the validation letter to them a failed to provide proper validation. and still continued to report the alleged debt to the credit bureaus. 
usps certified tracking number ; XXXX account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Thaxton Investment Corporation
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
You've 1 dishonored violated 15 USC 1692c ( c ) by RESPONDING TO THE C & D INCORRECTLY. YOU THEN SENT A PAYMENT HISTORY OF NOTHING. YOU THEN LIED ABOUT AN COLLECTION AGENCY UNDER FEDERAL LAW. I HIGHLIGHED EVERY VIOLATION YOU BROKE UNDER THE FDCPA WITH THE USC. NOW NEXT TIME YOU VIOLATE AGAIN & NOT GIVE ME WHAT I ASKED FOR I WILL PROCEED WITH A FEDERAL COURT COMPLAINT. IF THE ACCOUNT IS CHARGED OFF THAT MEANS IYT WAS PAID IN FULL.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I bought Merchandise from XXXX and XXXX! Located here in XXXX OH! I returned the Merchandise ( Shoes ) back to the local Stores and was credited between XXXX and XXXX approximately XXXX $ from XXXX  and approximately XXXX $ from XXXX back to my Chime Debit Card! 

Couple Days before XX/XX/22 I received an email to provide Documentation, that I was the original Buyer of the returned Items! Account was suspended by Chime on XX/XX/22! 

I emailed on XX/XX/22 to XXXX documents from my XXXX account to support my Purchases! I was asked again by Chime Days later to send receipt about my XXXX Purchases! 
Emailed on XX/XX/22 9 to 10 emails to XXXX and since then, heard a word back! 

Called 20 to 30 Times to speak to Supervisors, escalated my concern, nothing was done! Account still suspended with XXXX $ on the account! Either they lift the Suspension or close my Account! I want my money out of my Account!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: AMERICAN EXPRESS COMPANY
State: MD
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 was shocked when I reviewed my credit report and found a late payment on the dates below : 30 Day Late - XX/XX/XXXX 30 Day Late - XX/XX/XXXX 30 Day Late - XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX 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. 



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



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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
This is my second complaints on Bank Of America. I included a file of there response to me and also my response back to them after providing more information. 

Bank of America in its notice to me admitted wrong doing when discriminating against me, a consumer, despite The Consumer Credit Protection Act. 

I also mailed my response via certified mail on XXXX XXXX. 

I intend to fully hold Bank Of America accountable to the use of my credit card pursuant to 15 U.S.Code 1602.

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 2017-01-26
Company: JPMORGAN CHASE & CO.
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A debt that was confirmed not to be mine in XXXX has once again been resurrected. XXXX XXXX contacted me numerous time threatening to take this action to court as well as " ruin my credit '' if I did not pay the balance as well as interest since XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2022-05-06
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have recieved a letter from a debt collector, and I responded with a debt validation letter. My requests for informatioin on that letter were ignored. The company continues to attempt collections with out verifying the debt to my satisfaction. I have attached the letter I responded to their initial contact with me informing me of an alleged debt. 

In the response I got from this collector, they did not proved documentation proving this debt is mine. ie. contract between me and the alleged creditor ; nor a signature that would show me entering into an agreement or plan. 


They did not indicate if they are licensed in the State of Florida

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Loan originally through XXXX XXXX XXXX, loan was modified through XXXX XXXX XXXX. XXXX XXXX XXXX had an incentive if I paid my loan timely for five years up to {$1000.00} per year would be applied back to my balance. I paid timely the entire five years. Then the loan was sold to Greentree Servicing who reflected the " pay for success '' incentive on my quarterly statements. then they sold the loan to Ditech, around XXXX 2015, who despite numerous inquiries will not respond and will and does not reflect this incentive on my current loan with Ditech. I have attached a copy of when the loan was with Greentree and it showed the incentive balance and then a copy of after it was sold to Ditech and the incentive balance simply disappeared.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-23
Company: Ditech Financial LLC
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Greentree XXXX Ditech XXXX representatives call me repeatedly if I am late making even a partial payment. In the past, representatives have harassed and threatened my alternate contacts including my elderly father. My XXXX payment was due on XXXX XXXX, 2015. Because I had made additioanl payments before, only a partial payment was due on the XXXX. A Ditech representative called me on XXXX XXXX. I spoke with her and told her I would include the past due amount with my XXXX payment. Several days later, I had a missed call from Ditech. Yesterday, a different representative called me about the XXXX payment. I told her that I had already spoken with someone about it. She said, " I see where she called you on the XXXX, but I do n't know why. You are my account. '' I politely repeated what I had told the previous caller, but I was in the car so I could not confirm the date of the payment. She asked, " Well do you mind if I call you back later to get a confirmation number? '' I said, " No, that will not be necessary. I would prefer that you designate my number do not contact. '' She became abusive then and said, among other things, that she was going to indicate on my account history that my account was two months past due. The payment was made on the XXXX, so it was actually less than 30 days past due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2022, I applied for a Chase XXXX XXXX credit card via the Chase website. 
I had been forwarded by the XXXX XXXX website to the Chase website to take advantage of the following offer for initiating a new credit card with Chase. 
The offer was : Earn {$250.00} statement credit and XXXX XXXX XXXX XXXX.It also stated Earn a {$250.00} statement credit after your first purchase. Plus, earn XXXX bonus miles after you spend {$2000.00} on purchases in the first three months your account is open. 
Today is XX/XX/2022, and having purchased the sum of {$2000.00} to satisfy the terms of the offer made to me, I contacted Chase Credit Card services to verify my purchase totals, and asked when and how my {$250.00} credit statement would be processed. 
The customer service representative stated that according to Chase, I was enrolled in a credit card offer of spend {$3000.00} and receive XXXX bonus miles within the 3 month period. The representative said they could not honor my original offer from Chase, even though I have documentation reflecting Chase 's offer and accepting my credit application. 
Now my {$2000.00} purchases entitle me to nothing as I not able to purchase up to Chase 's requirement of {$3000.00}. 
THIS APPEARS TO BE THE CLASSIC BAIT AND SWITCH TACTIC. 
Chase has earned $ $ $ revenue from merchants from my purchases. 

I want Chase to honor the conditions of my approved application and provide compensation for me having force Chase to honor their approval of the terms of my application. 

I am willing to provide supporting documentation which reflects the conditions of my application HOW MAY OTHERS CHASE APPLICANTS HAVE BEEN BAIT AND SWITCHED???

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Unlimited Progress Corp
State: AZ
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:
Also have my mail going to other addresses or packages going to other addresses l requested for it be remove or updated and they refuse out right!!! Still have this problem

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 2022-10-06
Company: Amsher Collection Services, Inc.
State: AZ
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:
Also have my mail going to other addresses or packages going to other addresses l requested for it be remove or updated and they refuse out right!!! Still have this problem

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation