BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-07
Company: Dynamic Recovery Solutions, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am getting phone calls from Dynamic Recovery Solutions. They call on my work phone from XXXX or XXXX but have a call back number of XXXX. 

I checked my credit report and there is no outstanding debt. I have a credit freeze on my account and notification services if there is a change in my credit score or rating. 

I am very suspicious of this company posing as a debt collector and not sure how to prevent fraudulent calls posing as debt collectors when I do not have any unpaid debts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-06
Company: Resurgent Capital Services L.P.
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I noticed LVNV funding on credit report when trying to buy a home. Wrote XXXX letters to credit bureaus to validate debt that has not been validated as of today. wrote letter to LVNV funding to validate debt never get a response as of today

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Robocall from XXXX, with a callback number of XXXX in automated message. 

Spoke to representative, rep claimed that " First USA Bank '' was suing me in civil court for a debt that originated in XXXX and was written off in XXXX for a credit card ending in XXXX. 

Female rep said I had " XXXX options '', settle out of court or ( at this point, I explained that I had no recollection of this debt and that XXXX is well beyond any statute of limitations, at which point the representative hung up on me ). 

I was able to get an address - XXXX XXXX XXXX, XXXX XXXX, XXXX MI XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: BROKER SOLUTIONS, INC.
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On or about XX/XX/XXXX I closed on a refinance of my home with New American Funding Inc. My XXXX payment was due XX/XX/XXXX and I have made all my payments on time. Today XX/XX/XXXX I was contacted by a Mortgage Company concerning lowering my VA Loan through a VA Interest Rate Reduction Refinance Loan ( IRRRL. During the initial process I was informed that the current servicing mortgage company was not reporting my loan with the credit bureau 's and this was hindering me from getting the lowest interest rate available. He state I am only a couple of points shy and not reporting the loan was preventing me from obtaining the points. I contacted the XXXX bureau 's and they agreed. I then contacted XXXX with New American Funding, XXXXXXXXXXXX. He stated in XXXX they went to a new mortgage servicing company and according to RESPA they wo n't report to credit agencies until XXXX. It would appear this information is incorrect and is harming my ability to obtain the best rate possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is deceitfully misclassifying themselves as a Creditor when in fact they are a collection agency to purposely cause me harm! This is a violation of the Equal Credit Opportunity Act which specifically states that a Creditor is an individual who extends credit. They know they dont extend credit and they know they have no business agreement from which there was ever a start date. Remove this 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 2022-10-15
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
There were international unauthorized transfer 4 transactions with in two days for total amount {$190000.00}. 
1 ) The bank didn't alert me when the transaction was processed.

2 ) After I found out, I filed the claim, but I believe they didn't take it seriously, they said they can not do anything about it and recommended me to contact the beneficiary. 

" JPMorgan Chase has made several attempts to recall the funds on your behalf but unfortunately they have been unsuccessful. We recommend that you contact the beneficiary and attempt to settle the matter directly. '' I don't know who the beneficiary is, I don't know how they expect me to contact them. 

the money transferred to XXXX XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax is reporting inaccurate information on my credit report. They are reporting a charge-off account from XXXX when i never had a XXXX account. By the FCRA unless they provide me supporting documentation with my wet signature they must delete the charge-off account from my credit report.Failure to do so will result in a lawsuit against both the creditor ad the credit bureau 's. I have sent documentation to my attorney also.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: Real Time Group, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I have NEVER had ANY signed agreement, or contract with Realtime Resolutions Inc, do n't know who they are, and will NOT be paying ANY monies to them!!! These criminal XXXX are attempting extortion, and under Federal law extortion, and the F.C.R.A. is illegal! 

Until Realtime Resolutions Inc. can provide me XXXX XXXX XXXX XXXX with the original signed contract agreement with their company that they are erroneously attempting to extort from me, to include a itemized accounting detailing interest, and fees. I will need them to IMMEDIATELY remove the erroneous inaccurate negative credit reporting to ALL agencies, per the F.C.R.A.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX and XX/XX/XXXX I received noticed from XXXX that they had verified the accuracy of Bankruptcy XXXX being reported on my credit file on XX/XX/XXXX. After asking XXXX to validate and verify this account, XXXX stated that " The furnishing agency verified that this information was correct ''. I have contacted the courts in question and was provided a letter from the Deputy-in-Charge stated that they do provide information to the credit agencies, therefore XXXX did not properly investigate or validated this record. On XX/XX/XXXX I received a letter from XXXX Confirmation # XXXX, stated that they had concluded and verified a Bankruptcy recorded reported on XX/XX/XXXX. Please see the attached letter from the US Courts stating that they do not validate or provide information to credit agencies, therefore XXXX did not properly validate this information. On XX/XX/XXXX I received a letter from TransUnion file # XXXX stated that had verified information with a reporting agency. Again, according the US courts, they did not provide TransUnion with such information and therefore, this information was not properly verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-14
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
AFNI ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you AFNI or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : AFNI or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX F SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
Retired at XXXX couple yrs ago. Yr ago rolled 401k to supposed conservative investment at XXXX XXXX. Lost $ XXXX first month. Couple months later went to Regions Bank on XXXX XXXX XXXX where had checking and savings. Told financial guy wanted to put $ XXXX in FDIC insured IRA like I had at XXXX XXXX. He said he had large insured IRAs paid more with variable yrs from 2 to 7 yrs up to 2.75 % only guarenteed .45 %. I asked him and branch manager sure they were FDIC insured and they said they were. They had stack of papers to sign on disclosure stuff. Split $ XXXX into 2yr, 3 yr, 4 yr, 5 yr IRAs. Several weeks later got large package in mail of documents and states all over them not insured. Went to bank and manager pulled up my account and he said my account is through there bank and insured for $ XXXX I put in bank. Looked through the original papers and found sheet they had hid in disclosure statements paper stating nothing insured. These guys lie and steal from seniors.

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 2021-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a consumer and Transunion is violating 15 USC 1681 ( K ) my right to privacy by reporting a public record chapter XXXX Bankrutcy. I would like this removed 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 2016-06-19
Company: Mercedes Benz Financial Services
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Dear Sir or XXXX, My name is XXXX XXXX. We are dealing with some financial challenges. Yesterday ( XX/XX/2016 ) I requested a " corrected balance form Mercedes Benz financial Service ( XXXX ) XXXX due on monthly statement '' as follows : 1. Mercedes Benz Financial had issued a vehicle recovery and later cancelled, but this was very XXXX. 
2. Discrepancy PAYMENT DEFERRAL AGREEMENT {$780.00} approved XX/XX/2016, which was for XX/XX/XXXX and XX/XX/2016 payments. 
. Also recent payments XXXX, 2016 for {$850.00} and {$870.00}. 
XX/XX/2016.. {$850.00}. XXXX XXXX Confirmation number XXXX XXXX XXXX, 2016 ... {$870.00} XXXX XXXX confirmation number XXXX 3. There is discrepancy in statement indicated amount owed is different form payments that have been made and processed. Mercedes Benz financial still indicating our balance XXXX which is " INCORRECT ''. 
We were approved Mercedes Benz Financial Services Loan service for our vehicle a PAYMENT DEFERRAL AGREEMENT which was approved by XXXX XXXX for the XX/XX/2016 and XX/XX/2016. 
I appreciate assistance in getting corrected balance owed to avoid any potential vehicle recovery risk. See attachment Payment XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX reported to the three major credit credit bureaus that my auto lease was a charge off. During my installment auto lease, I never paid late. All payments was made via my XXXX XXXX online account. Paperless. After my lease ending I checked my balance online several times. My online balance showed a zero ( 0 ) amount. 
Several months later I received a call from XXXX XXXX collections stating I had an outstanding balance of {$1100.00}. I explained to the representative that I was not going to make a payment when # 1. My online account balance showed a zero owed amount and # 2. I had no clue what the {$1100.00} was for? The representative said they would send me the information in the mail. I never received ANY correspondence from XXXX XXXX via the mail, during or after my lease. Remember, I have a paperless bill account. A few months later I tried to apply for a new credit card and I was denied. 
So I pulled my credit report and to my surprise, I have a negative mark on my report for this lease. When I contacted XXXX XXXX, they explained that the {$1100.00} was for my lease disposition fee and excessive wear on my tires. I explained that I had an insurance policy purchased at the time of my lease to cover any excessive wear. When the representative looked up my account they confirmed that I indeed had a policy. They said the XXXX XXXX had made an error and only billed the Insurance company {$85.00} and they would take care of it. At this time I still had an issue with regards to the disposition fee. I explained I never received any notification of a balance for the disposition fee. As it turns out I am correct. XXXX XXXX sent the bill to a old address which I had to lived in over two years. When I asked why the fee did not show on my online account balance, they said they only mail these bills. Remember, I have a paperless payment account!!! So I paid the disposition fee. 
Now, today XX/XX/21, My credit report still shows an outstanding balance of {$500.00}, late payments and a charge off. Equifax refuses to remove this negative mark from my credit report. So I have an issue with Equifax and XXXX XXXX Equifax case # XXXX XXXX XXXX account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02
Company: SYNCHRONY FINANCIAL
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Upon GE capital being switched to Synchrony Bank, I have had nothing but problems. I am a very patient person but since I got this loan I have dealt with absolutely terrible customer service, wrong information given to me consistently but several employees, and after about the XXXX phone call no one can transfer me to a manager. My loan has been paid off in full and the bank still owes me a refund check that I 've been waiting for, for over a month. They will not give me a date of when they can send it ( 7-10 ) business days, and when it does n't show up after that time frame they have to put a stop pay ( another 7-10 business days ) and then they can send out which could take another two weeks. I still have not received a call back as promised or anything regarding my refund check. I 've asked several people to speak to a manager but apparently there is only XXXX manager who takes calls and she is always busy and does not return phone calls. I honestly feel like they are not going to send my check back at all and I am not sure what do to anymore. I would have NEVER acquired a loan from them if I knew it was going to be anything like this. Do not do business with these people!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07
Company: NVR INC.
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
My husband is in the XXXX and recently found out that due to military cutbacks, he will lose his job this summer. Knowing this, we contacted XXXX ( XX/XX/XXXX ) to let them know we would n't be able to purchase their home. The VP of XXXX said we were under contract and since he had a job now, we had to purchase the home. I explained to him ... as per our purchase agreement, I had to proceed with good faith and let NVR Mortgage know that our financial situation had changed. He said I did n't have to let the lender know because my husband was currently employed and that I had to close on the home. But I had a legal responsibility to let the lender know as well as a financial responsibility to our family not to incur a mortgage debt knowing we had no means to pay for it. I contacted NVR Mortgage to let them know of the situation. The NVR Senior Processor asked for a letter from my husband 's place of employment that verified his last day of work ( XX/XX/XXXX ). I provided this letter to her via email attachment on XX/XX/XXXX. Since then, neither the NVR Senior Processor nor anyone at XXXX has returned our phone calls or emails. I called other mortgage companies to make sure we were following the correct procedures. We were told that based on my husband 's employment ending this summer, we would not qualify for a loan and the lender should have provided us with a denial letter. The denial letter would then go to the builder so we could get our deposit back. We are so heartbroken over this situation. The military cutbacks are a hard reality to deal with alone. But now this lender is ignoring us because they work for the builder. Your help would be greatly appreciated. What can we do?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: EQUIFAX, INC.
State: SC
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:
On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. Section 605B, it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 days. I demand these account be deleted immediately or I will file for litigation due to the stress you cause me. My information was impacted by the equifax data breach and have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. Section 605B, it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 days. I demand these account be deleted immediately or I will file for litigation due to the stress you cause me. My information was impacted by the XXXX data breach and have got into the hands of the wrong person.

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