BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-29
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have business and I try to open credit Card Citi Bank Costco, but I always get a refusal even if I have a good credit level ( on XX/XX/2021 XXXX  XXXX, XXXX  XXXX ( see attached ) ). Bank unable to approve application because : " A bankruptcy was recorded on your credit bureau report ''. 
I consider this to be complete discrimination, if a person had bankruptcy for life reasons, in my case there was a business robbery, this does not mean that I am no longer a person and do not have the right to receive credit cards at the same time other credit companies open credit cards without problems. 
Application ID 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 2017-02-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: WV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My father passed away XX/XX/XXXX. I am his only heir. The mortgage company at the time, XXXX, would not speak to me even though I repeatedly sent them the death certificate, will and administratrix paperwork. XX/XX/XXXX my property was affected by the flooding in XXXX, XXXX. The loan had then been transferred to Select Portfolio Service in XXXX XXXX XXXX, XXXX, and so I began with them to explain my father was deceased but that I have been making the payments. They transferred the loan to the Estate of my Father instead of to me even though I asked to assume the mortgage and I am the only heir and supplied them a copy of the Will and Administratrix paper work. They sent me a letter today telling me this loan was included in a bankruptcy my father filed in XX/XX/XXXX ( it was not - and if it was why would we make payments through XX/XX/XXXX?? ) I HAVE to have this transferred to my name in order to complete my FEMA paperwork for damages from the flooding. The law was passed in XX/XX/XXXX that children could assume a parent 's mortgage. What will it take to make these people understand this? I am at wits end!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
XX/XX/2021 we purchased a new XXXX XXXX  from XXXX ( Georgia ) XXXX. Added to price of the car on the contract with NMAC was a charge of {$900.00} for GAP insurance. We did not know this until XX/XX/2021 when we went back to the dealer to get copies of our contract. They had provided us a computer chip which our computer would not open. When we got the copies of the contract we asked the dealer to correct this and delete the {$900.00} charge for the GAP insurance. Since we had paid {$10000.00}. down on the car we did not need the GAP insurance. They told us to contact NMAC, Nissan Motor Acceptance Corporation. We contacted NMAC and they told us they would credit the {$900.00}. to our account at the end of the contract, they stated they did not want to rewrite the contact. We thought it should be credited to us so our payments would be less. They said no. We have contacted the dealer and visited with them 3 times since we purchased the car and they fail to give us any proof that they are going to refund the $ XXXX.We have notified and followed up several times with NMAC and they still have not refunded the money to our contract. About 2 weeks ago a credit of {$410.00}. was made to our account, we asked what it was for and was told that maybe someone made a mistake and thought it was {$900.00}. Even I know the difference between $ XXXX.and {$900.00}. I have had enough of wrangling with this matter and would like to have some help from you. Today is XX/XX/2021. Thank you in advance for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: CRESCO CAPITAL INC.
State: GA
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:
Cresco Capital is reporting a balance of {$20000.00} for a debt that I DO NOT owe. It is possible that another family member could be responsible for this debt.

I have been trying to dispute this with them and the 3 major credit bureaus for over a year now with zero success.

This company is currently undergoing a class action lawsuit for violating Minnesota state laws and various other lawsuits for unethical and illegal practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: EQUIFAX, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I submitted a dispute letter to XXXX, XXXX, and Equifax regarding fraudulent information on my credit report. I mailed these documents by certified mail ( Tracking ID : XXXX ) and it shows XXXX  received my letter on XX/XX/2021 at XXXX XXXX. Equifax received my letter on XX/XX/2021 at XXXX XXXX  ( Tracking ID : XXXX ) and XXXX  received it on XX/XX/2021 at XXXX XXXX  ( Tracking ID : XXXX ) It has been almost 60 days, and these fraudulent items remain on my report. I have experienced much mental distress as a result of their continuous false reporting on my profile. I have been denied employment, housing, auto, and several other opportunities as a result of their neglect in conducting a proper investigation into my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: Experian Information Solutions Inc.
State: TX
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: Investigation took more than 30 days

Complaint:
I first saw an address on my credit report that I did not recognize as well as XXXX XXXX ( whom I had no business with ). I contacted this property and was advised there was a broken lease ans an amount due. I advised them of not having and kmowledge of this and I was dismissed and advised me they could not give me any info even though they had ALL of my info. I had lived at XXXX XXXX XXXX XXXX XXXX XXXX for several years even at the time this lease was done and broken. I filed a police report and provided this info to XXXX XXXX via email XX/XX/2016 to XXXX XXXX ad XXXX XXXX. I have also fled complaints with CFPB, FTC, etc and currenty have my attorneys involved. I have XXXX XXXX and this is upsetting me. I applied for another apartmentand was advised to contact XXXX XXXX where I advised that XXXX XXXX have a Civil Judgment against me on Experian, that I WAS NEVER SERVED ON AND THAT THEIR info was removed from XXXX and XXXX after the police report ( that names XXXX XXXX ) was provided. There were other addresses on mh credit report ( places in XXXX and other States ) that were removed by XXXX and XXXX.This has been ongoing and XXXX XXXX filed a Civil Judgement on me and could have NEVER served ME and tjey did n't have the correct email when I spoke them. So who did they serve? Who receivedthe info? Why did they tell me they would handle this and then file an eviction om ME after I provided info that supports me being a victim of Identity Theft. XXXX and XXXX have already removed this

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 2015-09-17
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
Green Tree Service Representatives were extremely rude and threatening with me. They called me at various times of day and night, and even while I was at work, despite my constant requests not to contact me at these times. They have harassed and bullied me ever since they took over my mortgage from Origin, and they have caused me XXXX and have made me afraid of answering the phone in fear of homelessness in doing so. They have also made deliberate attempts to embarrass me in front of my clients while I 'm at work. They also would only accept payments through a pay service that charged {$12.00} payments for every transaction and forced me to set up XXXX payments at a time beforehand. They treated me like I was dirt, a second class citizen ... Like I was some sub-human trash.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-30
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: Personal information incorrect

Complaint:
On XX/XX/2021 I submitted a personal information dispute to the three credit bureau 's because I found fraudulent names and addresses reporting on my credit report. 

I would like the name XXXX XXXX to be removed because that is my grandfather 's name not mine as well as XXXX XXXX XXXX which is my father. I am XXXX XXXX XXXX. 

I also requested the following addresses be removed : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX I have never lived at these addresses. 

Please remove the following employer : XXXX Please see the attached identity theft affidavit and letters sent to each bureau in which I have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XXXX, 2017, I learned that someone had used my Chase Debit Card for fraudulent activity in XXXX in the amount of {$800.00}. Also, there was a charge pending in the amount of {$4900.00} in XXXX. And someone had fraudulently transferred funds, over the phone with Chase, from my savings to my checking account. This was all done on the same day, XXXX XXXX, 2017. 

That day, XXXX XXXX, 2017, I immediately called Chases Fraud Department and alerted them to this fraudulent activity. I was told Chase had automatically declined the {$800.00} transaction. But somehow the {$4900.00} was deemed valid by Chase. 

Neither the purchases nor the transfer were made by me. I was not in any of the So. XXXX locations. I was able provide Chase proof of my presence in my state. Not to mention my Chase Card w/Chip never left my person. 

I spoke to Chases Fraud Department several times trying to work this out. I asked repeatedly why they were going to pay the {$4900.00} yet declined the {$800.00}. I received conflicting information from Chase staff, and the chronological order appeared to be wrong.

One Chase Rep told me this was Chip Transaction, and he felt there was some misinformation in his file. 

Chase refuses to provide any proof or documentation to validate their taking my {$4900.00}, They would not give me a reason or documentation, why they felt one transaction to be fraudulent and not the other. 

I did what was required of me. I notified Chase the same day I saw this fraudulent activity, the same day it was occurring. Yet they chose to pay this fraudulent charge, which was pending, from my checking account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-19
Company: Quality Recovery Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
on XX/XX/2021, i sent QUALITY RECOVERY SERVICES, INC 2 letters to their main and corporate offices regarding the alleged debt of {$400.00} that i dont owe.it has been over 30 days since i sent the letters and neither office hasn't responded within the 30 days allowed by law.this inaccurate information is damaging my life and keeping me from getting things that i need.Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. I request verification of the alleged debt. Specifically, I request the following items for verification : ( 1 ) a copy of a contract or agreement signed by me and the alleged original creditor that expressly authorized my legal obligation to pay the amount that you are now attempting to collect from me ; ( 2 ) proof that you are authorized to collect the debt on behalf of the original creditor or as owner, which may include a debt collection contract, if a debt collector, or bill of sale, if a debt buyer ; and ( 3 ) evidence and itemization of the amount due on the alleged debt, which may include proof of payment and receipt by me of any funds loaned or proof of charges for funds advanced for me. You are illegally attempting to collect the subject alleged debt because I do not owe that amount. Cease and desist all collection activity, including all reporting to consumer reporting agencies

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal.XX/XX/XXXX), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX HAS XXXX LOANS LIST ON MY XXXX AND EXPERIAN AND  ONLY XXXX LIST ON MY XXXX REPORT. REPORT THAT ARE DUPLICATE LOANS. THEY ARE LISTED WITH XXXX AND BENEFICIAL. THE XXXX WITH XXXX XXXX ARE OK I HAVE DISPUTE THE LOANS WITH XXXX ON XXXX XXXX AND ON XXXX THEY CONCLUDE THAT THE ACCOUNT WERE VERIFIED AS ACCURATE AND HAVE BEEN UPDATED TO REFLECT RECENT ACTIVITY BUT HAVE NOT PROVIDED NO DOCUMENTATION OR EVIDENCE. I HAVE BEEN DISPUTING THIS ISSUE SINCE XXXX XXXX AND CONTINUE TO BE DENIED. MY NEXT STEP IS TO START LIGITATIONM AGAINST ALL THREE CREDIT BUREAU.

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 2017-10-09
Company: EQUIFAX, INC.
State: PA
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:
XXXX HAS 28 LOANS LIST ON MY XXXX AND XXXX  AND ONLY ONE LIST ON MY EQUIFAX REPORT. REPORT THAT ARE DUPLICATE LOANS. THEY ARE LISTED WITH XXXX AND XXXX. THE ONE WITH XXXX XXXX ARE OK I HAVE DISPUTE THE LOANS WITH XXXX ON XX/XX/XXXX AND ON XX/XX/XXXX THEY CONCLUDE THAT THE ACCOUNT WERE VERIFIED AS ACCURATE AND HAVE BEEN UPDATED TO REFLECT RECENT ACTIVITY BUT HAVE NOT PROVIDED NO DOCUMENTATION OR EVIDENCE. I HAVE BEEN DISPUTING THIS ISSUE SINCE XX/XX/XXXX AND CONTINUE TO BE DENIED. MY NEXT STEP IS TO START LIGITATIONM AGAINST ALL THREE CREDIT BUREAU.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: M&T BANK CORPORATION
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XXXX, XXXX, I submitted A Qualified Written Request for Account No. XXXX, XXXX XXXX Property Address ) to M & T Bank. 
In my correspondence ( please see attachment ), I informed M & T Bank that I was making a qualified written request under Section XXXX of the Real Estate Settlement Procedures Act ( RESPA ) and that I was requesting the following documents associated with my loan ( Account No. XXXX XXXX : XXXX ) Appraisal XXXX ) Copy of Contract for Deed XXXX ) Copies of Property Inspections XXXX ) Escrow Statements / Annual Accounting Statements XXXX ) Homeowner Insurance Payments Paid by Loan Servicer XXXX ) XXXX Dues and Special Assessments Paid by Loan Servicer XXXX ) Loan Assignments, Loan Servicing Documents, etc. 
XXXX XXXX Foreclosure Notices, Notices to Cure, Acceleration Notices, etc. 
I informed M & T Bank that under Section XXXX of RESPA they were required to acknowledge my request within XXXX business days and that they must try to resolve my issue within XXXX business days. However, I still have not received any type of response.

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 2021-08-30
Company: Midwest Service Bureau, Inc.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The debt collector would constantly try to call my phone while I was at work. They would then call my job. I informed them that I could not take personal phone calls at work since I work with the public and are also really short staffed. They got really mad at the fact they couldn't call my job and insisted the only way they would stop calling my work is if I paid the whole debt. I told them I have the right to request they not call my work and they became abusive and said they would no longer work with me and would no longer accept payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Back in XXXX 2016 we had signed a contract to sell our home. Before the closing my attorney noticed there were XXXX defects in the title the assignment and the satisfaction. He faxed to Ditech servicing the loan for Greentree Servicing LLC all the information needed to correct this issue. The closing was on XXXX XXXX 2016, and the correction has not been done and there is {$10000.00} in escrow which belongs to me. My attorney and I have made numerous calls with no results.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hi, I had a " hard inquiry '' placed on my Transunion credit report due to an inquiry I inadvertently made through XXXX XXXX. This inquiry was with XXXX XXXX who I do business with as I have XXXX XXXX XXXX with them. Outside of my error of making an inquiry, I already do business with XXXX XXXX so this mistaken inquiry should not be a hard inquiry damaging my credit. I spent a lot of time on the Transunion website and they do not allow disputes for hard inquiries. 
Can you please help me? 
Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Simon's Agency, Inc.
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
These accounts were to be filed through my insurance. I called the office back in 2013 and the representative said they did not have my insurance on file. I updated it with her. However, she said she can not submit a claim over 30 days. I said her fault ; I have insurance. Your problem you lost it. Then called Simons debt collection agency woman said the 30 day thing is not true and that she would contact the medical office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: EQUIFAX, INC.
State: NY
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:
Equifax has consistently been informed and sent documentation regarding their mixed information with my sisters file and mine. The excuse has been that since we lived in the same address ( as kids ), and have Similar first names this has happened. My sister name is XXXX middle name XXXX XXXX. My name is XXXX XXXX, different fathers. I dont understand how she has her business transactions under her social security number and dob, and still I get her information linked to mine. My current situation is that my sisters married name has been attached to my credit file in equifax. I paid XXXX XXXX to remove my sisters accounts from my file, but equifax still is negligent in removing her marriage name from mine. She is now divorced by the way. I have sent my Id documents to equifax including my birth certificate, License and social security number repeatedly and I still nothing has been corrected. My last dispute # XXXX report still has XXXX as my middle name. This is my sisters married name! Its their mistake.. XXXX XXXX asked them to show any accounts under that name and my social and they proven wrong. Help me please! Its been almost a year with the same issue. They keep merging our accounts which are totally different and in different states. Thank you

Company response to consumer: Closed with explanation