BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-18
Company: EQUIFAX, 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:
I check my credit report a few months ago around XX/XX/XXXX and notice a fraudalent account that being falsely misrepresented on my credit report. I contacted this company via phone and also wrote letters.I sent numerous letter, one dated XX/XX/XXXX. Another on XX/XX/XXXX and most recently I sent a letter dated XX/XX/XXXX certified mail. The company reporting this is XXXX XXXX XXXX and they are using EQUIFAX and XXXX. There is also a unknown fraudalent hard inquiry on my Equifax report, please remove this XXXX. This inaccuracte and false reporting has caused me great harm in my life, it has prevented me from getting apartments and access to credit. This fraudalent account is still being reported on my Equifax and my XXXX credit reports. Please help me resolve this manner I dont know what else to do. 
Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: CAVALRY INVESTMENTS, LLC
State: LA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Cavalry Portfolio Services LLC is reporting an account that was a charge off credit card from XXXX XXXX XXXX from XXXX on my credit reports. Under Louisiana civil code XXXX XXXX XXXX XXXX the statute of limitation of debt collection of an open account is 3 years old. On my XXXX Credit report it shows that Cavalry started reporting this account on XXXX/XXXX/XXXX, XXXX and XXXX XXXX show that they started reporting on XXXX/XXXX/XXXX, Cavalry was sent a letter on XXXX/XXXX/XXXX to validate this account and provide proof that they notified me in written XXXX to XXXX days before reporting this account to the credit reporting agencies as required under FCRA. Per phone conversation with with XXXX XXXX ( supervisor with Cavalry Portfolio Services ) they are servicing the account on behalf of Cavalry SPV 1 LLC who purchased the account on XXXX/XXXX/XXXX from XXXX XXXX XXXX. According to XXXX XXXX XXXX 's records provided by Cavalry Portfolio Services the account was charged off on XXXX/XXXX/XXXX making this account past the 3 year statute of limitations of debt collection under Louisiana XXXX XXXX XXXX XXXX XXXX ) for open accounts ( credit cards ). XXXX XXXX XXXX stated that they first started reporting this account to the credit reporting agencies on XXXX/XXXX/XXXX which is a violation because under FCRA since they are required to wait XXXX to XXXX days before reporting, which he said they purchased it on XXXX/XXXX/XXXX and reported on XXXX/XXXX/XXXX ( 48 days ). XXXX XXXX XXXX stated that they sent out the first notice on XXXX/XXXX/XXXX, the second on XXXX/XXXX/XXXX and that Another company they used called XXXX XXXX XXXX XXXX started servicing the account in XXXX. XXXX XXXX XXXX was asked to provide the Bond number showing that his company was licensed and bonded in Louisiana as a XXXX XXXX but could n't provide that information. XXXX XXXX XXXX was recording the conversation and was brought aware of the many FCRA violation his company had committed from reporting false information, reporting this account before the XXXX to XXXX days required, that they had to be bonded in Louisiana, not providing the information that was asked to validate this account and that once XXXX XXXX XXXX charged off the account they sent out a XXXX required under Federal Bankruptcy Laws and that once its filed on my tax returns it satisfy any amount owed under XXXX Sections XXXX, XXXX, XXXX, XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-28
Company: LENDER LIVE
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan was transferred to LenderLive XX/XX/XXXX from XXXX XXXX loans just a month after I refinanced with XXXX. In my original HUD loan agreement with XXXX it is clearly stated that I wo n't be paying escrow for property taxes as I pay the county property taxes directly. In XX/XX/XXXX XXXX sent me a new escrow statement increasing my monthly payment to include additional/new property taxes escrow. Even though I have made every loan payment to XXXX since XX/XX/XXXX before their due date they are charging me late fees because I refuse to pay them escrow for property taxes ( not in my original contract ). I have spent countless hours by phone/email to have escrow removed, they claim to have removed the property tax escrow but I still get harassing letters saying I am behind on payments asking for late fees with credit score warnings.

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 2016-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My name is XXXX XXXX XXXX not 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
Consumer complaint received 2016-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Hi, This debt is over 15 years old and they keep selling the debt to other companies and those companies are re-packaging the debt and they are reporting it negatively every month to the credit bureaus.

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 2016-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I received a call on Tuesday XXXX/XXXX/2016 from a third party, XXXX, who I had an open account with stating that the third party XXXX closed my account. I made contact with XXXX later that evening and I was informed that my account has been reported as 78 days past due, which at that time 78 days prior would 've been XXXX XXXX, 2016. This is untrue, due to the fact that I made XXXX payments to XXXX. The representative stated, that my account was reported to the credit bureau as 60 days past due XXXX times, and 30 days past due XXXX times. This information is inaccurate. The representative stated that it is a result of their billing cycle and not that my account was actually 30 or 60 days past due. I am writing because I have made over {$400.00} in payments, which is in compliance with my monthly bill payments, and I am being told that my on time payments are not being honored, and that my account has been inaccurately reported. My understanding is companies report to credit bureaus when an account is minimally 30 calendar days delinquent. This is not the case, my account is being reported based on the companies billing cycle.

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 2021-08-04
Company: I.C. System, Inc.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
They called and said the call was being recorded and asked my name and address. When I asked who they were they only stayed their name and said " this is not debt collections or a solicitor I am calling about a personal matter ''. I asked again who they were and they provided an old address and asked for me to confirm it was my address. I said no and they said they would mark my number as a wrong number and hung up. 

The woman said her name was XXXX XXXX. 

I called back and asked what company they were and she said IC System.

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 2021-05-18
Company: AMERISAVE MORTGAGE CORPORATION
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was interested in being pre approved with AmeriSave mortgage. My loan officer XXXX XXXX stated I had to pay an " appraisal fee '' in order to lock in my current rate. I paid {$540.00} on XX/XX/XXXX. There was no disclosure stating this was a non-refundable fee. Due to the current state of the housing market, we decided to not purchase at this time and I requested a refund of the appraisal fee. XXXX stated he would request my refund on XX/XX/XXXX. I noticed my refund had not been processed so I reached out to XXXX again. He stated he was not able to process the refund due to " reasoning '' and that I should reach out to customer service. I reached out to customer service and they stated they would reach out to his manager with the request. It should be noted, we never even put an offer in on a home and had no services rendered by AmeriSave Mortgage.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: EQUIFAX, INC.
State: IL
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:
Sent letter to Equifax received XX/XX/21 regarding bankruptcy reporting in there files and requested method of verification and Equifax responded on XX/XX/21 with file # XXXX stated bankruptcy was verified by XXXX. Appalled by this, I contacted XXXX directly to verify the bankruptcy and during there investigation, they couldn't verify the information and as of XX/XX/21 have deleted and removed the inaccurate unverified information from there file. I sent those results of the investigation by XXXX that the bankruptcy was unverified and inaccurate and remove the information from there files. Sent those results to Equifax received on XX/XX/21 and responded with file # XXXX still referencing the bankruptcy and again on XX/XX/21 with file # XXXX stating the bankruptcy was VERIFIED as accurate. How can Equifax verify that report that the data furnisher has removed from there file since XX/XX/21? Anything verified after XX/XX/21 show come back unverified and should be deleted from there file. Either Equifax lied about verifying the bankruptcy or never sent the request to XXXX to verify the bankruptcy was unverified and inaccurate, and has been removed from there files.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01
Company: Paypal Holdings, Inc
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Upon inspecting my XXXX Credit Report for Hard Inquiries, I found several items that I had never applied for, in this order : XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ). 

I never authorized these companies to pull my credit information, and have never filled out any forms or applied for any of their credit services, yet they have all made hard inquiries on my credit report. 

I 'm not sure if they are someone else 's accounts and being reported on mine, as my credit reports do not indicate that I have accounts with these businesses ; only that they are making hard inquiries on my credit report without my permission and damaging my score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-18
Company: Experian Information Solutions Inc.
State: CT
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:
I have contacted each bureau by certified mail and have unverified accounts on my report. Here are the accounts : XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX 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 explanation
Consumer complaint received 2016-08-08
Company: Flagstar Bank, N.A.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
due to unforseen issues, we took out an equity line on our home in XXXX at a rate of 4 % interest only the loan matured in XXXX and was purchased by flagstar bank we then applied for a loan modification with flagstar because we have suffered a financial hardship the monthly payment on our current 1st mortgage is approximately {$4700.00} including taxes and insurance flagstars offer for the modification was a 240 month note at an absurd rate of 6.5 % which is ridiculously above the current lending rates ... .and the monthly payment would be approximately {$3300.00} We had sent them all documents for our full financial disclosure and there is no way that we can afford more than {$8000.00} monthly towards mortgage commitments based on our net income flagstars only alternative was to press us to pay the full amount of the note which of course we can not afford and has not provided any alternative options we are stuck in our own mortgage crisis

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 2020-12-14
Company: JPMORGAN CHASE & CO.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2020 I was hired by a company called XXXX XXXX, based in XXXX XXXX. The job was said to include processing monetary orders using various exchange methods ( among other duties ). I was to receive instructions through XXXX. My first task, on XX/XX/XXXX, was parsed to me in pieces so that I did not know the exact nature of the task was until it was nearly over, but I followed XXXX instructions to receive a bank deposit from Chase ( through XXXX ), and forward that to another party. After I finished, I wrote to my liaison at XXXX to say that I needed to talk to them before doing any new tasks because this looked too much like money laundering, but they never got back to me. A few days later, Chase Bank froze my checking account, telling me that the {$2700.00} I received and then forwarded out came from hacks within their system against two account holders. Initially, Chase conducted an investigation which resulted in Chase saying, on XX/XX/2020, that they " completed our research for the transaction ( s ) you reported on XX/XX/2020, '' and have " found that the transaction ( s ) was processed correctly or was authorized ; '' and that " No adjustment will be made to your account at this time. '' ( See Copy J, attached. ) That letter included a second sheet showing the disputed transactions : three {$900.00} transactions which added up to the {$2700.00} figure that is the disputed amount of this complaint. ( Copy K. ) But about two weeks later, on XX/XX/2020, I received another letter from Chase in which that decision was completely reversed, and which involved Chase imposing a {$2700.00} debit against my ( closed ) checking account, and saying that " You were involved with a scam which is something we don't have the recovery rights for, '' ( Copy M ) but never explained the contradiction of their previous letter. And now, Chase is imposing a monthly checking account fee against my closed account! I can't go after XXXX XXXX, who is likely responsible for what occurred, because I don't have the resources to pursue an investigation and debt collection from an overseas company. Since Chase lost the money due to a security failure of their system, and, I had nothing to do with that breach or the hacking which caused a loss against two Chase accountholders, I believe Chase Bank should be the ones to open a thorough investigation into precisely who did what, and how it was done, and then pursue collection action against the party that executed the hacking, and benefitted from it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-05
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
On XX/XX/2016, I disputed the alleged debt within the XXXX period. When I received their letter on XX/XX/2016, I asked for detailed documentation in the attached letter labeled " CFPB-PMS2 ''. 

I did not receive a reply nor did I receive any documentation I asked in my letter. Instead, they blatantly violated FDPCA, FCRA and despite my admonition, falsely reported against both of our credit files with the XXXX bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03
Company: FORD MOTOR CREDIT CO.
State: ND
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Ran a credit report without my consent. I 've never given consent nor will I ever do so. Furthermore they did not notify me of this, which violates law

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-17
Company: FORD MOTOR CREDIT CO.
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I paid off my lease for Ford Credit and leased another car from Ford Credit, At the time I lease the new car, I paid the I paid the last installment of the current car. The dealership assured me that it would satisfy the remainder of the lease. 
Within a couple of days from leasing the new car, Ford then drafted the payment from my old car even though the lease was satisfied. I have written XXXX emails and called 3 times to get the refund and I am always promised that it would be refunded immediately. The first e-mail said within 10 days. 
After 2 weeks I called not having received it. I was assured it was on its way, A week later ... the same thing. The next time I called they said it would be 24 hours and it would be ACH 'd back to my account. I still do not have the refund and its been a month. Ford Credit drafted a payment on a paid off account and now I ca n't get a refund,,,,,,, please help. 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-18
Company: Army and Air Force Exchange Service
State: DE
Product: Credit card
Issue: Billing disputes

Complaint:
I have an Army/Air Force Exchange Service ( AAFES ) credit account that was charged off in XXXX. The only statement I have received with this account was this past XXXX. The charge off amount was {$9200.00}. In XXXX, my XXXX Federal Tax Return was garnished in the amount of {$2700.00}. In XXXX, my XXXX Federal Tax Return was garnished in the amount of {$3300.00}. However, in the statement I received just prior to filing my XXXX tax return stated that there was a total due of {$8300.00} and showed interest charged. It also stated that the account was now being handled by XXXX, a debt collector. With both my XXXX and XXXX tax returns paying the account, the total that should be remaining is {$3100.00}. I just received an updated statement showing a payment of {$3300.00}, which is {$17.00} less than what was garnished from my taxes leaving a balance of {$5000.00}. I contacted the company collections department and was told that they can and will continue to charge interest even though they sold the account to a debt collector. Furthermore, she tried telling me that as of XXXX, my debt balance was supposedly {$18000.00}. First this was never notified to me. Second, if there have only been two payments, my federal tax return totaling {$6000.00}, how can they try to claim I still owe {$5000.00} yet claim my balance in XXXX was {$18000.00}. They are fraudulently trying to collect {$1900.00} more than what should be remaining on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MD
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
I received a letter from Santander Bank ( XXXX PA ) on XXXX/XXXX/15 stating that I had a balance of XXXX. I mailed them a check for XXXX which they received on XXXX. I called to ask how I could pay off the remaining loan. They told me that over the one month period that had added an additional 10 % in late fees to loan and now the balance had grown by {$500.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2017-02-02
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Santander Bank did not send my XXXX. They told me I could not receive another until XX/XX/XXXX. They said it was mailed XX/XX/XXXX ; however, it does not take more than two days to send and receive mail from within 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
Consumer complaint received 2021-07-07
Company: HYUNDAI CAPITAL AMERICA
State: KS
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
We leased our XXXX XXXX XXXX on XX/XX/XXXX. We included a maintenance agreement in the terms of our lease for {$750.00}. Shortly thereafter, we moved across town, making it very inconvenient to return to XXXX XXXXXXXX in XXXX to obtain the service provided for in the maintenance agreement. Accordingly, I cancelled the maintenance agreement on XX/XX/XXXX. 

XXXX XXXXXXXX financing personnel explained to me that the remaining balance on the maintenance agreement would be applied to unpaid lease payments which would result in paying off the lease agreement earlier than originally scheduled. 

I have received no indication from either XXXX XXXXXXXX or XXXX XXXX XXXX regarding the new date by which the lease agreement would be paid off, so I am requesting that information now. 

Today, I am making my fourth request for this information. I have explained to Hyundai XXXX XXXX that I will be withholding further payments until I have received this information.

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