BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-22
Company: EQUIFAX, INC.
State: CT
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:
My personal information was used to open fraudulent accounts. I found out around XX/XX/2019, when trying to apply for school and being denied loans. I received a free copy of my credit report to find that I had been a victim of identity theft. I immediately contacted the companies listed and was required to file a FTC affidavit, a CFPB complaint and a police report from my local department. All of that information was retrieved and submitted to all companies of fraudulent accounts. I disputed these accounts with XXXX, XXXX and Equifax, because the companies denied giving me information on these accounts, for the reasons of the information that I gave did not match what was recorded within their system. These accounts in dispute were removed because I supplied all required documents. The accounts have now been inserted back into my credit report XXXX  years later as a charge off. I am being held accountable for fraudulent accounts. I am resubmitting required documents as well as an updated FTC affidavit, and the original police report that was submitted during the time of removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: GREAT WESTERN BANCORP, INC.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I divorced in XXXX at which time all mortgage liabilities were transferred to my ex wife.The mortgage in question was a second mortgage on her primary residence with Great Western Bank. This mortgage went into foreclosure after our divorce at which time Great Western Bank sent a letter of reinstatement to my ex wife, in her name only, with an offer to reinstate the mortgage and accept a {$20000.00} grant from Ohio Save a Dream. The reinstatement offer letter demanded that I also sign the " CIT '' " Change in Terms '' documents which were sent to the closing with the Save a dream  grant. This closing took place in XX/XX/XXXX My ex wife informed both Ohio Save A Dream and Great Western Bank ( and their legal firm/XXXX XXXX ) that I REFUSED to sign a " CIT-Change in Terms '' I also did not attend this loan closing for the grant or reinstatement. Although I refused to comply with the " CIT-Change in Terms '' reinstatement requirements or accept the grant funds for the {$28000.00} in legal fees charged in connection with this reinstatement, Great Western Bank continues to hold me as the SOLE signer obligated to this mortgage and has filed collections against my credit which has negatively impacted my credit score and causing me irreparable financial damages. <P/>My ex wife and myself have contacted Great Western Bank, ( XXXX XXXX ) and XXXX XXXX XXXX ; all parties involved in this transaction to no avail. Great Western Bank allowed this reinstatement without my signature or consent although it was demanded as a prerequisite for this mortgage reinstatement. <P/>I am requesting a full investigation into this matter and the removal of this illegal charge against my credit report. I am in no way obligated to pay for this mortgage per my divorce decree which was given to Great Western Bank/XXXX XXXX XXXX and per my refusal to sign the " Change In Terms '' agreement as demanded in the attached letter from Great Western Bank/XXXX XXXX XXXX  This company continues to harrass me and refuses to correct my credit immediately although they have clearly violated my consumer rights and protection under the CFPB policies. <P/>
Copies of the signed Change in Terms and reinstatement closing documents have been requested from all parties however Great Western Bank/XXXX XXXX XXXX and XXXX XXXX have refused to provide these documents. I also request the CFPB investigate all parties to this claim. Each has violated my rights and impacted my credit rating irreparably due to this negligence.

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 2016-11-17
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Freedom Mortgage has failed to pay my XXXX property taxes by the XXXX XXXX due date. Freedom Mortgage is collecting {$470.00} each month intended to pay taxes and insurance. I have loan closure documents specifically stating that city taxes will be paid out of that escrow.

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 2016-06-23
Company: Freedom Mortgage Company
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Freedom Mortgage acquired my Mortgage from XXXX XXXX XX/XX/2015. I paid XX/XX/XXXX and XX/XX/XXXX payments in XXXX 2015 from their website. Beginning XXXX, I set up autopay for bi-weekly payments of {$1000.00} + additional {$50.00} in principle with each payment. 

Since XX/XX/XXXX, I started getting letters that I did n't make a payment. After number calls to resolve it with them, there was no resolution and they reported delinquency to XXXX and XXXX credit agencies. I disputed with both of them by providing bank statements but there was no action.

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 2020-01-14
Company: CAINE & WEINER COMPANY, INC.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2018 I filed a complaint with the department of Insurance of the State of Kansas against XXXX XXXX for not resolving a claim. 

Shortly after filing a claim with the DOI of Kansas we were hit with a phantom bill for {$6300.00}. We were never given notification for what the bill was and the amount was taken from our checking account. I forced XXXX XXXX to return the money and disputed that we owed them anything. 

I believe this was a tactic to get us to stop being a customer of XXXX XXXX by creating phantom charges because of the claim that was filed against them. 

When talking to a XXXX XXXX rep about these charges we were told they were due to an agent under reporting our employees payroll. When we looked at what our estimate was versus our actual amount paid was they were almost identical. 

We believe this was due to an error from the Insurance broker. 

This phantom debt was now passed on to Caine and Weiner a law firm that is trying to collect on this debt listed under the account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: Bread Financial Holdings, Inc.
State: AR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
XXXX FAILED TO PROCESS INSURANCE FROM ACCOUNT XXXX  AND A BENEFIT CLAIM FROM XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 information incorrect

Complaint:
TransUnion has violated my consumer rights. They will not remove or fix a XXXX XXXX XXXX account from my consumer file that shows a wrong date of last activity. They are infringing on my consumer right to privacy, I did not give them permission to publish this on my consumer report, they do not reinvestigate my consumer report to make sure the information is correct like congress said they had to and they are being unwillful in complying.

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 2017-05-28
Company: EQUIFAX, INC.
State: VA
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:
My identity have been stolen I 'm  XXXX , My   XXXX   opened and applied for things in my name and ruined my credit, She recieves my mail cause i can   XXXX   XXXX   XXXX   XXXX   XXXX    .This is making me   XXXX   and I really need this fixed I recently saw more inquirys on my credit and I need all these removed my nurse is currently being investigated please help me fix this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-17
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Citibank N.A. has charge me a disputed late fee that started at {$26.00} and has grown to {$320.00} as of today, XX/XX/XXXX. I feel that I paid my bill on time on XX/XX/XXXX. It took 5 days to process this payment on XX/XX/XXXX and I feel that it was paid on time by me thru bill pay from my bank. I cancelled my account on XX/XX/XXXX because of this problem. I have contacted this bank by telephone and written information requesting that they were doing me wrong by wanting to charge me a late fee for this transaction. My XXXX SCORE has dropped from XXXX to XXXX due to this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have written this company at least 10-12 times in the past two years inquiring about the status of account # XXXX. I also disputed the accuracy of this account through the XXXX major credit reporting agencies. The bureau responded every single time ( 09X ) stating that Vanderbilt Mortgage stated they are reporting accurately. However, they are lying because the amount they stated that I owe is not correct and nor is the date of status ( my last activity ) on the account accurate. They never notified me that they sold the mobile home nor the amount that they sold it for. The amount I owe should be less whatever they sold the home for. This should be the amount that 's reported on my credit file. I have contacted this company via the credit reporting agency asking for a debt validation regarding this account # XXXX. However, I have n't received a response. They still manage to keep reporting it on my credit profile every month even though they have not validated the debt. At this time, I am asking this company officially to validate this debt by sending me a copy of the contract which contractually binds me to pay the debt as being reported on my credit file. I know my rights have been violated because the FCRA states that they should report the information accurately and to report inaccurate information is a violation of my consumer rights and I can hold them accountable in civil court per the Florida Rules of Civil procedure Rule # 1.130. In addition, you should take note that re-aging this account is illegal. The FCRA Compliance Date is the official beginning of first date of delinquency which can not be changed once an account is charged-off. The 7-year clock begins 180 days from the time I FIRST missed a payment. Once a charge-off or collection account reaches seven years the credit bureaus must purge the account and it will no longer appear on future credit reports. This date from which the collection must be removed is informally referred to as the " purge from '' date. Re-aging a delinquent account is a serious violation of the FCRA. An original creditor or a debt collector may engage in illegal re-aging on the same charged-off account. Once the original creditor reports the FCRA Compliance Date to the credit reporting agencies, it is set in stone. This date can not be changed or updated under any circumstance. If this request is not met in approximately twenty working days, I will have no choice but to contact a consumer attorney in hopes to resolve this issue. I have tried for months to be civil in hopes of reaching a mutual resolution, but to no avail. The company has chosen to practice illegal and unethical tactics in an attempt to get me to pay a debt that should have already been resolved. Please govern yourselves accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
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: Was not notified of investigation status or results

Complaint:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXXXXXX {$530.00} XXXX XXXX XXXX {$0.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Fifth Third Bank offers an Access 360 debit card that apparently they have no control over. 
During a recent trip to pick-up a carry out order at a restaurant, I was over charged. I contacted the restaurant and they explained the error and said that I should contact my bank since the amount they put through was for the actual amount of purchase. Apparently, this card, when used at a restaurant, automatically imposes a XXXX % tip onto the price of the food order. I called Fifth Third about this. I was told that they have no control of this kind of overcharging and that they had no contact information so I can address this with the company responsible for the card 's programming. So, this is a feature that can not be cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: JPMORGAN CHASE & CO.
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX I attempted to purchase XXXX XXXX through a website called XXXX. When attempting to check-out my payment would not go through. I tried two separate debit cards, and a credit card. None of which went through with a notice saying charges could not be complete. I was asked for all of my information, name, address, and card info. The total was just under {$150.00} including shipping. 

The next day I had a charge of {$130.00} to my debit checking account by a vendor of the name XXXX from Kentucky. The website I used the night before was marked for fraud all over blogs with similar experiences and the site was removed within the day no longer existing. I disputed the charge with seemingly no issues with Chase. This charge approved in my account on XX/XX/XXXX despite my instaneous reporting. I called Chase again, and this time the instant charge was reversed back into my account case had been opened. 

On XX/XX/XXXX my account was overdrawn with a re-reversal of the {$130.00}. I spoke to 6 different chase representatives before someone admitted that my address was sufficiently proven by this merchant, and that I had received services to my address on file, therefore case is closed without subject to re-opening. There was a tracking number issued to my name and address. I requested this proof they have on file, and am still waiting for this information. They said the bank can not do anything for me considering this is sufficient evidence that I used this merchants service, and because I have no proof of doing so or proving not doing so, it is no longer subject to dispute on the banks behalf, there is nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: Paramount Recovery Systems, L.P.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company has made no attempt at contacting me other than rotating this supposed charge that should have been submitted to the Veterans Administration for payment due to being covered by VA Seltect at the time of the treatment. Instead of the hospital following up with the VA for payment they submitted it to collections. The current holder has made no effort to collect. They however closed the account on the XX/XX/XXXX and then reopened it via XXXX and XXXX, with the express purpose of destroying my credit. My credit just moved from a XXXX to a XXXX due to them " reselling '' or reopening the account is not a fair practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had a joint account at Bank of America and they let the other party close the account without my knowledge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26
Company: JPMORGAN CHASE & CO.
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Last fall I began the process of being qualified to receive relief in my mortgage payments via the HARP Program with Chase Bank. There was a steady flow of information back and forth but what made it tough was that every 3 to 4 weeks I was assigned to a different Account Assistant. I seldom talked to the same person twice. So everything had to be repeated numerous times. Finally I was informed that I qualified for Harp relief by XXXX XXXX, who told me to keep paying and not to get behind while the agreement was being finalized. I was told that my mortgage payment was being changed from {$1700.00} to {$970.00}. I sent this in on a timely basis. In the midst of this XXXX XXXX was removed as my assistant but I was not aware of the change -- no one called. Then I got messages from someone from a collection group saying that I was expected to pay {$1700.00} and the {$970.00} could not be applied to my mortgage. I explained that there was an error and I was now under a different plan. Well l was charged {$69.00} late fee. I protested. My case was escalated to a manager at Chase who tried to help but who continued to misread the contract. Eventually I was told that I had been kicked out of the Harp program because I had paid my bills on time. So I wondered if this were the case, why should I pay {$69.00}. In the meantime I had paid another payment of {$970.00}. I was told by the manager that I would be refunded the {$69.00} which did occur. The manager told me that even though my payments were reduced to {$970.00} and even though I did not have to pay the late fee but if I stayed in Harp every month my credit score would be challenged by a late payment. I did not accept this. I immediately sent Chase a check for {$3400.00} to cover the XXXX reduced payments and to keep my account current and to stay out of Harp. I asked Chase to remove the penalty statements from all of the credit bureaus so that my credit rating would not be adversely effected. Chase refused. I am insisting that Chase does the honest and right thing which is to inform each of the credit bureaus that I did not have a late payment. Chase should send me a letter confirming this.

Company response to consumer: Closed with explanation