BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-23
Company: Love, Beal & Nixon, P.C.
State: OK
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint:
The creditor in question, Love, Beal & Nixon, PC ( hired by XXXX XXXX XXXX of XXXX, OK. ) continued to attempt collection from me on a credit card account I had no knowledge of AFTER I advised them I had secured an attorney. I have several of their FDCPA violations documented, including in a document I filed through the XXXX XXXX XXXX. Each time they violated the FDCPA and/or FCRA, I made them aware of violation ( s ) and advised them to contact my attorney. However, they continued to contact me ( by mail ) directly rather than contact my attorney. I provided Love, Beal & Nixon, PC with my attorney 's name and telephone number but they still continued to violate FDCPA rules with total disregard for my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had submitted a dispute to Green Tree Servicing regarding my account. A printout was then sent to me On XXXX XXXX. Whereby I sent a certified mail ( find enclosed copy ) on XXXX XXXX in response again disputing the debt. They acknowledged they were in receipt of it and to expect a written response within 30 business days. in a correspondence dated XXXX XXXX, XXXX. On XXXX XXXX, XXXX another correspondence stating an authorization from my husband is needed before information can be release. Green Tree Servicing has had an authorization since XXXX when they began servicing my account. However, one was sent via fax on XXXX XXXX. I have yet to receive a response. I received another correspondence thereafter dated XXXX XXXX that my account was referred to an attorney. Meanwhile, I had agreed to a 3 month trial modification for the months of XXXX, XXXX and XXXX with a payment of {$650.00} along an additional {$12.00} advance fee. I then received a permanent modification, I signed and returned it and I received a letter thereafter notifying me that I had returned the documents to late. My disputes were never addressed. Foreclosure proceedings were then filed. After looking at my documents I realized that my billing statements along with the transaction history were not consistent nor accurate. Excessive fees were being charged. My monthly payments were being deposited in XXXX account since XXXX. Extra payments were made by me to be applied to my principal were being applied to my escrow account. It was these types of practices and procedures that led them to the judgment against them in Federal Trade Commission and Consumer Financial Protection Bureau vs Green Tree Servicing, LLC. They have then merged with Ditech Financial LLC to bypass cease and desist order. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: FIFTH THIRD FINANCIAL CORPORATION
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:
We financed a car loan with fifth third bank and recently paid off the loan early, or so we thought. Our account showed a XXXX  balance and everything on our side showed paid in full. There was apparently an outstanding balance of XXXX cents that was charged afterwards as interest. We were never notified of an additional balance. No one ever called us to collect payment. We received no notification there was anything outstanding. Everything we had including our customer portal showed a XXXX balance on the loan. Today we were notified an account was put into delinquency status on our credit and we immediately started looking into what the issue was. After calling the bank we were informed for the first time that there was XXXX cents outstanding that had gathered another XXXX cents in interest for a total of XXXX cents owed. Again, we were never notified either through written or verbal notice that any amount was still due and the information available to us showed a XXXX balance on the loan. It disturbs me greatly that a banking company would neglect to contact their customers to collect payment especially on something as small as this. We never missed a payment on this loan and paid it off years early. The negligent and purposefully harmful way this case was handled is nothing short of malicious predatory lending in order to collect as much additional interest as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-23
Company: World Acceptance Corporation
State: GA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I was charged fee 's and interest I did n't know about. I did n't have a good job at the time. After I got laid off i paid the account off but they have it reporting to the agency charged off instead of paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-17
Company: Commonwealth Financial Systems, Inc.
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Someone used my identity for medical services. I filed the proper police report and the debt collection company still refuses to remove the debt from my credit report. I also requested a copy of the bill with signature but the debt company refused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17
Company: Commonwealth Financial Systems, Inc.
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Commonwealth Financial Systems is currently misrepresenting themselves as owners of a debt where the original creditor was XXXX XXXX XXXX , XXXX. I have not received any verification that they own the debt nor did I receive a letter from them providing me notice providing me with 30 days to dispute the validity of the debt. I came to the knowledge of this misinformation when I requested a copy of my XXXX and XXXX credit reports. In addition, the date the account was opened and the amount owed are inaccurate as the account became delinquent in 2011 and the the original balance is inaccurate as the debt was {$510.00}. What is more disconcerting is that this agency is claiming they owe this debt while at the same time another company called XXXX XXXX XXXX states that they own the debt. I have never received anything from XXXX XXXX XXXX indicating that they are in possession of this debt. Further, the Fair Credit Reporting Act ( FCRA ) states that credit bureaus should not report inaccurate information and the Fair Debt Collections Practices Act ( FDCPA ) states that debt collectors may not use " false, deceptive or misleading representation '' to attempt to collect a debt which XXXX XXXX XXXX is currently doing. This inaccurate information has caused adverse actions for me in terms of receiving credit and services. Not to mention, the embarrassment due to being denied credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: Nelnet, Inc.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Nelnet, my loan servicer, has been actively preventing my payments from going through the way I want them to. I have had special standing instructions for my auto-debit to apply all extra funds to the loan with the highest interest rate, but this is the second time they 've been " misplaced '' after my payment goes through. I have no way of viewing these instructions or verifying that they 're being followed until way after I make my payment without calling Nelnet. Access to the proper information is buried way too deeply on the site. They keep using their own way of applying funds where they " catch up '' my lower interest loans to where my higher interest one is in my payment schedule, then I have to spend about 1-2 hours every single month correcting the problem with them. Their website does not show any of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Bankruptcy

Complaint:
My consumer credit report is reporting incorrect information for a Chase card that was closed as of XXXX. The debt to the creditor was discharged on XXXX/XXXX/16, and they were advised of this, XXXX credit-reporting shows the condition of the account to be derogatory as well as a revolving account, and after speaking to multiple reps at chase on XXXX/XXXX/16 they are advising that the account shows charged off, and debt still owed to me in their system. As this information is incorrect and this is no longer a debt and is also XXXX old and should not be showing on my credit at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
I put a {$1000.00} down payment on a auto-cycle ( XXXX wheel scooter that is enclosed ) using a Chase card on XXXX XXXX, XXXX. At the time of the transaction the ship date for the product ( it had not been produced yet ) was fourth quarter XXXX. I contacted chase bank to initiate a dispute on the good not received, and they informed me they would be unable to due so due to over 500 days passing from the date of transaction. I informed them that the product was not expected until 4th quarter XXXX, so the clock for when to dispute should not have begun sooner than when the product was expected to be delivered. Chase is refusing to open a dispute, and has agreed that I have " no protections '' for this purchase from Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-10
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Issue: Advertising and marketing

Complaint:
My experience applying for a Chase Credit Card. I have excellent credit and was advised to apply for a Chase Credit Card by my bank 's branch manager. I was denied, not for a bad credit score or anything regarding my ability to pay but because I 'm very responsible with credit. I have XXXX credit lines. I feel this is a fraudulent penalization and false advertisement on the part of XXXX XXXX Chase. If I would have known of this rule of having too many opened accounts within a 24 month period I would have never applied and wasted a hard inquiry on this Credit Card Application.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02
Company: JPMORGAN CHASE & CO.
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I am closing on the sale of my home on XXXX XXXX, 2015. I have an FHA mortgage with JP Morgan Chase. I have been told that I will have to pay interest for the entire month of XXXX even though I am paying off the loan before the end of the month. This amounts to approximately {$490.00} in interest I am being charged for absolutely no reason. They are also charging me an entire month 's worth of mortgage insurance as a result of this practice, which equates to an additional {$110.00}. New rules are in place prohibiting this practice for loans originated after XXXX XXXX, 2015 ; however, JP Morgan Chase is CHOOSING to continue to charge this excess interest to borrowers with older loans despite the fact that it is unfair and harmful. The lenders should not be permitted to engage in this type of conduct simply because some fine print buried in the contracts permits this unfair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My partners and I opened a business account for our company XXXX with Chase on XXXX XXXX and on XXXX XXXX we deposited a seed money check from our investor. We were told that the funds would be held until XXXX XXXX. I told them that this is unacceptable and that I would need at least a portion of the funds releasde within a few days. The agent told me that would more than likely be no problem. However, it is now the XXXX of XXXX and the funds are still not available. I have spoken with my investor and was told that the funds were removed from his account on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card
Issue: Billing disputes

Complaint:
1. On XXXX XXXX, 2015, my wife presented her Chase MileagePlus Awards XXXX credit card for the {$3500.00} fee. The transaction posted on XXXX XXXX, 2015. 
2. On XXXX XXXX 2015, she contacted the merchant and presented my MileagePlus Club card for the {$3500.00} fee and was told by the merchant that the charge would be reversed on her card and the merchant provided a reference number for the charge reversal - XXXX. 
3. I did make payment on the full balance of my card for the months of XXXX, XXXX, XXXX, XXXX, and XXXX. 
4. When the reversal did not appear on her statement she initiated a formal dispute of the charge. She was instructed not to make payment. 
5. The dispute resolution department has examined the documentation provided twice and determined " that the transaction was valid. '' 6. Despite the fact that I made full payment for the services rendered on my card, despite the fact that she was instructed to withhold payment : a ) Chase has continued to assess her financing interest ( easily corrected ), b ) and more importantly, Chase has notified the credit agencies of an adverse determination ( possibly irreparable damage to her credit )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
This account needs to be deleted Immediately!! The company has sent me a letter stating it will be deleted and is still remaining on my credit report. Attached is the letter I received.

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 2017-02-06
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian is currently reporting XXXX paid and closed student loans with the XXXX. They are reporting these accounts with a collection status as of XX/XX/XXXX. These loans were consolidated and PAID IN FULL on XX/XX/XXXX. This account was NEVER with a collection agency. It 's NO way that these accounts can show it was in collections a month after it was paid off and closed a month before. I 'm attaching proof from the XXXX -STUDENT LOAN DATA. 
Also they are reporting the XXXX loan for {$150.00} i NEVER had a loan for {$150.00}. I also pulled my student loan history ( attached as well ) and it does not have any loans from XX/XX/XXXX for {$150.00}. This reporting is 100 % incorrect and i 'm asking that both accounts be removed due to incorrect reporting.

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 2017-02-23
Company: ALLY FINANCIAL INC.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I received several credit alerts through credit monitoring that there was negative info being reported by Ally. I called them and they said they were not reporting anything negative. After pulling the credit reports they show current status as " contact XXXX for status '' but with all payments through XX/XX/2017 paid as agreed. I also paid my XX/XX/2017 payment a week early. Creditors are considering this negative and I was declined by XXXX XXXX due to this as " too recent delinquency on existing auto loan ''. Why is this reporting that way? It also shows ( I believe ) there is a dispute by me? I 've never disputed this account. Please correct this and note the account is paid satisfactory.

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 2016-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
There are XXXX accounts listed on both XXXX and Transunion with the wrong information. Both of these accounts have been sold to collections agencies. The first account is XXXX XXXX XXXX that has been sold to XXXX XXXX XXXX. I have called three times, each time on hold for over 30 minutes and no one answers the phone. The number for this collection agency is XXXX. The information on my credit report is incorrect. This account is from 2013 and the balance was not {$680.00}. The credit card only had a maximum of {$200.00}. The second account is for XXXX XXXX. This account was also from 2013 and was less than {$300.00} now it is owned by a collection agency who isnt even listed on my credit report. When i called XXXX XXXX about it, they said it is no longer in their office and has been sold.

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 2023-08-25
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
TD Bank did not report my car is completely paid off. Please remove asap

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have recently submitted a complaint against Transuion regarding an adverse account status with XXXX. I submitted the necessary paperwork to Transunion, XXXX and XXXX on XX/XX/2017 for the 2nd time. The Transunion rep and I both had a conference call with XXXX and XXXX and XXXX has reported the correction to the other XXXX credit bureaus. For some reason Transunion is refusing to correct this being listed as an adverse account and I need it fixed immediately.

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 2016-04-23
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Federal Tax Lien has been released, but has not been reported on my credit report

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 2015-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I attest that I am XXXX XXXX, and the owner of the verbiage that is contained in this dispute. 

1. I have previously disputed the XXXX XXXX, Acct number -- -Account Number : XXXX, with Trans Union . 
2. Trans union claims they have verified this account, please see the dispute results attached. 
3. No Credit Card account has EVER been established by me, with XXXX XXXX. No card, was received, no activation occurred and XXXX has NO history of this accounts existence. 
4. Please delete this inaccurate account. 
5. Please provide the Method of verification, along with the Name, Address or other contact details utilized in your investigation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have disputed this account to all XXXX credit bureaus to no avail. I have submitted documentation to the credit bureaus from the creditor stating the account is closed and to remove it. The credit bureaus will not update my reports

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX To Whom It May Concern Trans Union, XXXX. XXXX XXXX, XXXX, XXXX XXXX Please update my phone number to my public and fraud alert cell XXXX I recently pulled a copy of my credit report and noticed the following information is in error : Name Errors : NAME : XXXX XXXX NAME : delete not my name XXXX, XXXX, XXXX delete not my name ADDRESS Error : ADDRESS : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX - REPORTED XX/XX/XXXX ADDRESS : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX - REPORTED XX/XX/XXXX ADDRESS : XXXX XXXX XXXX, XXXX, XXXX XXXX I never lived at these addresses. 
Please remove them. 
My correct address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I been living there since XXXX/XXXX/XXXX With the amount of identity theft going on, I am very fearful that someone could mistakenly identify me as someone else with this incorrect information on my credit report Sincerely, XXXX XXXX ss # XXXX dob XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have made over 6 attempts to have the credit bureaus conduct an investigation to remove a couple of fraudulent accounts from my credit report. We have sent over FTC Affidavits and supporting documents and still the accounts are list on my credit reports. I 'm not sure why they 're allowed to get away with this. Their suppose to maintain accuracy on consumers credit reports. Hoping this will get some closure soon. I 'm attaching the Documents.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief