BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-24
Company: World Acceptance Corporation
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 was paid

Complaint:
i made last payment on loan XXXX XXXX i was later notified by family member XXXXthat World Finance had contacted them looking for me. I contacted XXXX and was told that I owed them {$15.00} dollars. I REGULARLY RECEIVE MAIL FROM THEM. Why did n't they contact me? My obligation for that loan was taken care of when imade last payment. It is showing on my credit reprots bas paid and also a balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: Debt Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Debit Recovery Solutions, LLC keep sending me letters, saying I owe them money for ( XXXX ) I do not owe them anything, and do n't even know who they are! Oh, and they ca n't provide me with any information I request and then hang up!! They are trying to scam me and other people, making them believe they owe money!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: Experian Information Solutions Inc.
State: UT
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 have been a victim of Identity Theft as well as several Data Breaches. The  latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2020-01-11
Company: CORELOGIC INC
State: OH
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 have some small issues taking place on my credit reports. I have Fake or made up names showing up on my credit file. My legal name is XXXX XXXX XXXX Please remove any other name that is not spelled properly! My DOB is XXXX my full SS # is XXXX. I live at XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. Please delete these fraudulent addresses : XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The phone number are not accurate please delete them. ( 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 2020-01-11
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have some small issues taking place on my credit reports. I have Fake or made up names showing up on my credit file. My legal name is XXXX XXXX XXXX Please remove any other name that is not spelled properly! My DOB is XXXX my full SS # is XXXX. I live at XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. Please delete these fraudulent addresses : XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The phone number are not accurate please delete them. 
( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I mailed my correct name and address to Experian in XXXX. I gave them proof of address and my social security card and drivers license copies. I even gave them a call in the beginning of XXXX and they have not changed the wrong information 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 explanation
Consumer complaint received 2020-08-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I had a Bank of America personal checking account apparently that I did not remember I had. It was opened in XXXX when I had a business account with the bank and opened in person at the branch. I was told I needed a personal account in order to maintain the business account or some nonsense at the time even though I didn't want the personal account. I elected electronic statements instead of paper, but apparently the person who opened it mistyped my email address. In XXXX I closed the business account, but forgot I had a personal account and it wasn't until XXXX of XXXX that I received a letter saying I had an account still open with the bank. I did not have a login/access so I had to reset login/pass and went in to see that BofA had charged me hundreds of dollars in account maintenance fees without ever sending me a statement notifying me of this. 

I called at spent more than an hour on the phone with the bank and they told me that they would not refund the fees. Apparently they unilaterally changed the account type in XXXX to one that would charge me monthly maintenance fees of {$12.00} per month and never notified me. They didn't send a statement, they didn't send a letter, they didn't email a statement, they didn't even email a notification of a statement. When I confronted the bank with this on the call, they said that they had sent notifications to the wrong email address and were getting bounceback notifications that it was not a real email address, but that they never bothered to call, send a paper statement, paper letter notification or anything. 

I told them it is completely unacceptable to unilaterally change my account type and start charging me fees without ever notifying me and they said it was my fault that I had never been notified because I should have known the bank employee mistyped my email into the setup for an account I never wanted.

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 monetary relief
Consumer complaint received 2020-01-11
Company: ID Analytics, Inc.
State: OH
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 have some small issues taking place on my credit reports. I have Fake or made up names showing up on my credit file. My legal name is XXXX XXXX XXXX XXXX remove any other name that is not spelled properly! My DOB is XXXX my full SS # is XXXX. I live at XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. Please delete these fraudulent addresses : XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The phone number are not accurate please delete them. ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29
Company: Ditech Financial LLC
State: AR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We have been in our home since XXXX of XXXX. My husband became ill in the latter half of XXXX and was in XXXX status since XXXX XXXX which took a heavy toll on our household income. I began to contact then Greentree Servcing LLC as to our hardship and was given instruction on the paperwork needed to begin a file process of necessary documents. I obtained all documents asked for and submitted to Greentree Servcing LLC. 
Each time I was told I did not qualify for HAMP due to all documentation not in file which now left us behind on payment due to the fact we were told if our payments were current we would not qualify for HAMP. I was then told I could do a deferment but would no longer be able to pursue the HAMP for at least a year after the deferment. I was then asked to make a payment of roughly {$800.00} plus dollars of which I did and set up an additional payment for {$620.00} to be debited on XXXX XXXX, XXXX and I did that as well. 
Now Ditech has began calling continually saying I owe {$800.00} plus dollars in late fees. 
We have continued to struggle to work with Greentree ( Ditech ) to keep our home but to no resolution. Please point us in the proper direction we pray for relief to this matter. 

Thank You, XXXX and XXXX XXXX XXXX, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: Ditech Financial LLC
State: MA
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
We are selling the property and Ditech is not releasing a payoff to title company which has affected our closing dates. They are not assisting me by phone.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: Experian Information Solutions Inc.
State: NV
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've been a victim of identity theft for some time now, there has been fraud accounts on my profile and overtime the credit bureaus assisted me in removing them. I recently reached out to the bureaus to have these fraud items blocked/removed like the previous accounts before and XXXX  and XXXX  did their jobs in no time. Experian on the other hand, has received my request to block these fraud accounts, through the 605 ( b ) laws, as I've sent in a FTC Law Enforcement Report, list of fraud item, and proof of identity displaying my I.D cards. Experian continues to tell me over the phone that they are still working on their investigation and its been about a month since they've received notice. I have two separate confirmation # s for two separate occasions having to block these accounts. 4 days after receipt of block request using the necessary documents is as long as the credit bureaus have to remove the identified fraud items off a consumers report, that is law! That statement is not an opinion, these are the FCRA Laws, Law 605 ( b ). So why is this item still on my report? Because Experian is WILLFULLY and KNOWINGLY being negligent of identity fraud. This has to stop!

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 2018-05-31
Company: Jon Barry and Associates, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I've contacted this company requesting validation and they sent me a bill with my name, but without anything further they also violated Hippa. 


XX/XX/2015- {$680.00} XX/XX/2015- {$370.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-31
Company: AMERIS BANCORP
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Ameri Bank the branch manager close my business checking account for no reason I had over XXXX dollars in the checking account. I found out that the bank has my old email that I don't use I never give her that email. When I asked about the email why she had it the branch manager said that I needed a subpoena to look into that account with that email. I asked why do i need that when i only have one email in that bank. who open a account in my name with that email.. Please help me with this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11
Company: Experian Information Solutions Inc.
State: FL
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: Problem with personal statement of dispute

Complaint:
I have been a victim of abused due to discrepancies on my credit report with XXXX XXXX Credit card services, I legally paid this account in full XX/XX/2018 and it is reporting on Experian Credit Bureau as a charged off. This account has been deleted from XXXX  and XXXX  credit BUreaus, I do not know why it has not been removed from Experian I have been dealing with this issue almost a year and 2 months no response I totally disagree. My crdit I have exceptional payment history on all my credit reporting accounts. This XXXX XXXX Credit Card Services is potentially affecting my small business I have not been able to get approved for a business loan because of this issue. I want to consumer credit report law states that a Fiancial Institution may have discrepancies reporting diferent information to credit bureaus. I demand for this XXXX  XXXX credit card account to be removed and deleted from Experian Credit BUreau like it is removed and deleted from XXXX  and XXXX, as a XXXX XXXX year. i have the right to file a complain for this discrepancy that as i wrote it it has been affecting my score and 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 explanation
Consumer complaint received 2017-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Public record information inaccurate

Complaint:
XXXX/XXXX/XXXX XXXX systems used Transunion XXXX XXXX XXXX has incorrect information on my report. They are stating there is a judgment that is on there which does not belong to me. I have disputed it with them and they are stating they made an investigation but they ca n't tell me how it was verified and when. 

this information is inaccurate, i do n't have any evictions record at all. I want this deleted 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 non-monetary relief
Consumer complaint received 2020-08-14
Company: WELLS FARGO & COMPANY
State: NV
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:
When i was XXXX i got a credit card from wells fargo im XXXX and still am not able to get it given back or any credit anywhere after accidentally putting it in an atm machine. It was identical looking to my debit card with wells fargo. I extremely extremely need an end to this distasteful closing of my account. I cant even get married because i cant get credit since. I made every payment on time and in full for a year before the " incident ''. Ive had to turn down XXXX proposals over this because i cant make my party happen. Help

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 2020-01-11
Company: EQUIFAX, INC.
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 information incorrect

Complaint:
XXXX XXXX  credit card company agreed that I would not have any fees of any kind. Then in XX/XX/XXXXthey reported XXXX late and dropped my credit score from XXXX to XXXX for a fraudulant charge that did not belong to me at all. I contacted XXXX XXXX and they are not doing anything about it. This is not fair to me and they know it I also canceled that card and demanded my credit score be returned to XXXX but they both just shine me on! and Iam extremely upset as I have been busting my XXXX to get a good score and XXXX XXXX   knows this! I will seek out an attorney if neccisary Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My XXXX was sold to a company named Greentree. Greentree charged me for insurance, even though they had the information and evidence that the appropriate insurance was in place for my condo. They have now sold my loan to Ditech. I can not seem to get a refund from either company. It is a substantial amount of money as they included this charge for approximately over two years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-19
Company: ECMC GROUP, INC.
State: CA
Product: Debt collection
Sub-product: Federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted the loan servicer of my {$680.00} XXXX loan to inquire about the option to rehabilitate my loan. i was advised I do not qualify for loan rehabilitation due to the dollar amount of the loan.. I then inquired about setting up a payment arrangement and was advised I do not qualify for a payment arrangement due to the dollar amount of the loan. I then confirmed with the rep that my only option was to pay the balance in full she responded that no that is not what she said my options were to pay in full or make payments online as I wish but that it would not be considered a payment arrangement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: General Motors Financial Company, Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I took delivery of my new vehicle on XX/XX/XXXX. The vehicle was financed by GMC Financial. The first payment wasn't due until XX/XX/XXXX. I made payments on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The required payment is {$300.00}. I paid {$310.00} on XX/XX/XXXX and {$320.00} on XX/XX/XXXX. GMC did not apply the overpayments towards principal. I called customer service to find out why. I was told any time I make an overpayment I would have to call them. The average wait time is approximately 20 minutes. I found this process unacceptable. I contacted GM 's executive response team. I spoke with " XXXX ''. He basically told me the same thing as their customer service representatives. He seemed frustrated when I told him this was not acceptable. He gave me his direct # XXXX. When I found out neither overpayment was applied to principal I called his #. There was no answer so I left him a message. He never responded. On XX/XX/XXXX I sent a certified letter to Ms. XXXX XXXX, CEO GM. On XX/XX/XXXX I got an email from XXXX of the Executive Response Unit. She said she just tried calling me. This was not true. I called and spoke to her. She stated GM Financial does not have an executive team that can address my concerns. It should be easy for them to add an option to their payment website to alert them to when I make an excess payment. They don't care because making as much in interest is their " Only '' goal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: Experian Information Solutions Inc.
State: NY
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 recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN XXXX BUSINESS DAYS after the date of receipt by agency. 
I ask that you comply with the Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the Identity Theft Report List of Fraudulent Accounts. I am also requesting to be mailed a new credit report to my address of record above.

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