BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-08
Company: Caliber Home Loans, Inc.
State: AL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Caliber Home Loan, has violated the law by failing to provide XX/XX/2015, mortgage statement. I have ask for XX/XX/2015 mortgage statement, on multiple occasions. I have also ask why your company why it has failed to provide the statement for XX/XX/2015, with no response, thus far. Will you please provide statement for XX/XX/2015? 
If you can not provide statement for XX/XX/2015, I ask that you immediately cease foreclosure proceedings, and fixed all errors, in accordance with law. 
Your companies arrogance, and blatant violation of rules, set forth by agencies of the US government are troublesome. 
Thank you for your cooperation as we do n't want to lose our home and this information will help us to save our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I saw negative credit on my credit report by Overton, Russel and Donovan debt collection for 6 year old bill. Never received any letter or call from them just directly reported on my credit report. I was not made aware that I could dispute. Being ignorant I paid my 2 weeks paycheck to them. Within 5 weeks they send me another bill from same company regarding my son, same 6 years old. This hospital they send me bills have been taken over by another hospital 2/3 years back. Also my son always had child health plus insurance. I think they saw that I paid one bill so they are purposely sending me more unnecessary bills to collect money. Someone should really investigate in all their collections and revenues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
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:
I recently submitted a request for an investigation of the disputed account, which you claimed was verified. Since I believed you didnt properly investigate my dispute, I contacted the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. 

XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$210.00} It seems that the following information reported is incorrect : account number, payment status, and date open. Please check the Payment History information of this account. The late history shouldn't be showing lates because I believe I paid on time. Please adjust the late payments from this account. Get it right immediately ; evaluate this reporting by revising the information provided. Modify and perform any corrections and update this from my file. Thank you. 

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3900.00} There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. 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 non-monetary relief
Consumer complaint received 2016-03-23
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Prepaid card
Sub-product: Electronic Benefit Transfer / EBT card
Issue: Managing, opening, or closing account

Complaint:
I have an AMEX XXXX account and have had it for about 2 years. Approx 2 weeks ago, I requested a transfer of funds from my XXXX account, back into the account that was used to fund the XXXX Account, it is a XXXX Checking account. When I originally opened the Serve Account, AMEX requested that I " Verified '' the account that would be the source of funding for the Serve Account., I followed the procedure and the XXXX account was " Verified ''. After, 7 business days of waiting for my funds to be transferred into the XXXX Account, the " Verified '' funding source for my XXXX Card, I was instructed to go through the verification process again. I complied and it was completed this past Monday. Today is Wednesday XXXX XXXX, and the funds have still not been transferred. I 'm sure that AMEX delays these types of transfers to collect as much interest on these types of accounts as possible. This has been a horrible inconvenience and it should be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: ENCORE CAPITAL GROUP INC.
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Midland Fund This company did NOT respond to my direct dispute within 30 days. I sent them a certified letter ( XXXX/XXXX/XXXX ) disputing incorrect delinquent account dates, that this account was more than 7 years old. They ignored my letter. Then when I filed a dispute with XXXX to delete it, they conducted their own investigation after I sent them supporting documents that this dispute to Midland Fund went unanswered within the specified time frame according to the FACT act ( XXXX ). They have had ample time to delete this information from my credit report. They 're indifference to my situation is keeping me from purchasing a home! I have re sent certified mail as of XXXX/XXXX/XXXX to XXXX, XXXX, XXXX, & MIDLAND FUND with supporting documents to back up my claim that they have violated the FACT ACT and that these furnishers have failed in their DUTY TO CORRECT AND UPDATE INFORMATION & ( FCRA 623 ( a ) ) DUTY TO PROVIDE ACCURATE INFORMATION. These documents were confirmed delivered to recipients by USPS.com tracking, and they have still not deleted this information off of my credit report. Evidence included in these packets : original dispute letter with certified tracking ticket, USPS.com tracking confirmation that they were hand delivered ( MIDLAND FUND claimed they sent documents to me on XXXX XXXX, XXXX, during a follow up phone call. Which is past the specified time frame regardless. Plus, I still have not received them. ), and transcribed scripted phone calls with this company, including representatives that I spoke with and ID numbers of said representatives. I am an educated consumer and I am aware of my rights. They have clearly violated the FACT ACT introduced by congress in XXXX. This act allows the consumer to directly dispute with furnishers ( third party collection agencies ). These furnishers continue to report false information to the CRAs and are keeping me from purchasing a home. I will file with small claims court if I have to. I have more than enough evidence to prove my claims. This is a gross injustice to me as a human being. I want this information deleted from my credit report immediately. Time is NOT on my side anymore. I am tired of waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15
Company: AMERICAN EXPRESS COMPANY
State: NH
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I am a American Express Serve prepaid card holder. I used the cards Online Bill Pay feature to send my landlord a payment but, later that day he came to my home so, I paid him cash in hand. I then went into my online account to stop the payment and was not able to do so. I then contacted the customer service department who informed me that they had put in a dispute for the payment and that my money would be returned to my account within 3 business days. Today makes 5 business days and the customer service center just told me that the payment has NOT been stopped and, that I will get a E- Mail from their Disputes Department by the XX/XX/XXXX. They then also continued to inform me over a recorded line that they Do NOT have to abide by the same laws nor rules as a bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-27
Company: Ditech Financial LLC
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
This company has been very aggressive and have threatened to take legal action with lawyers including garnishing my wages, they gave me recently a deferment that I did not request, I called them last week to scheduled XXXX month over the phone and they wanted to charge me a fee to take my pay over the phone, I said that I will mail it them because I do n't want to pay more fees, they got mad at me and start threatening me again because they have already given me a deferment and I had to pay over the phone, I already put the check in the mail but my phone wo n't stop ringing. They can sometimes more than XXXX times during the day. This has happened many times, and even though we have been late with some of the payments, it 's my intention to pay, I have never denied payment, these people are very aggressive and rude and they and they have to stop

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: Consumer Adjustment Company Incorporated
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been dealing with Identity theft for a few years and even have fraud alerts on all of my credit reports. I now have new medical bills with a medical facility that I've never been to. They were both report as collections on credit in XX/XX/2021. One is for {$330.00} and the other is for {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XX/XX/XXXX MAZDA FINANCIAL SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX VIN # last six XXXX Credit Compliance Department XXXX MAZDA FINANCIAL SERVICESXXXX XXXX This letter is a formal statement notifying the above parties that the accounts under VIN # last six XXXX are disputed. 

The vehicle in question was purchased on or about XX/XX/XXXX, from XXXX XXXX, listed SELLER on contract is XXXX XXXX XXXX, contract is financed by MAZDA FINANCIAL SERVICES, repossessed in the state of CALIFORNIA on or about XX/XX/XXXX. Violating cease and desist instructions sent to MAZDA FINANCIAL SERVICES sent certified mail # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Under the laws of ( 12 cfr 1026.17, 1026.17 ( a ) ( 1 ) 12 cfr 1026.18 and 16 cfr 433, 16 cfr 433.2 ) and UCC 9.506 as well as State RISA and MVISA status, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS 9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL You are required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification of the subject vehicle. 

If no such proof is provided within 15 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 

In addition, if you singularly or severely fail to comply with the my requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and including but not limited to UCC 9-625 remedies. 

Furthermore, you are hereby notified that at no point in time and under no circumstance is your company ; an employee of your company ; a representative for your company or affiliates are to contact me or any family members by any means other than the US mail system. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Cc XXXX Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Midland Funding is still reporting a delinquent account on my credit file despite its failure to prove its claim in court when it sued me and despite multiple requests asking it to stop reporting derogatory information on my credit file and remove negative information it 's been reporting about me since XXXX XXXX. 

Midland Funding has never advance any fund to me. It falsely claims that it became my " creditor '' when it allegedly purchased a debt I owed XXXX. it claims XXXX sold the debt to XXXX XXXX and it acquired the debt when XXXX receivable merged with XXXX XXXX and when it subsequently merged with XXXX. 

Around XXXX, out of the blue, I was receiving collection letters from Midland Funding asking me to pay {$2400.00}. When I finally requested debt validation, it immediately proceeded to suing me even before responding to my debt validation request. 

I responded to the lawsuit denying owing money to Midland Funding. When preparing for trial and examining Midland Funding 's evidence documents I noticed that the documents and affidavits were bogus. That they were prepared to fit its false claims. So I subpoenaed specific evidence but on trial date Midland Funding could not produce any specific evidence to prove I was obligated to it and decided to dismiss the case against me. 

But to my surprise it was still reporting a negative account that it could not prove in court. 

In XXXX XXXX I contacted Midland Funding asking it to follow through with the dismissal by removing unsubstantiated negative account it was reporting with all XXXX credit reporting agencies. 

Midland responded not only saying its reporting was accurate but started updating the account every month without any purpose and manipulating my credit file, dropping my credit score in the attempt to bully me into paying a debt I do not owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-19
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
( 1 ) Navy Federal Credit union has failed to comply with THE TRUTH IN LENDING ACT and has created a deceptive form to undermine the laws put in place to protect consumers. NAVY FEDERAL CREDIT UNION ( NFCU ) failed to disclose to me, XXXX XXXX, a federally protected consumer my right to request a written itemization of the amount financed in conjunction with the disclosure of the amount financed. 
( 2 ) NFCU failed to disclose to me, XXXX XXXX, a federally protected consumer a statement indicating whether or not I'm entitled to a rebate of any finance charge upon refinancing or prepayment in full pursuant to acceleration. 
( 3 ) NFCU defined the term amount financed as The amount of credit provided to you on your behalf which is not same definition used in the The Truth In Lending Act nor does it have the same meaning and it also implies that the credit I received was given to me by NFCU and not extended.

( 4 ) NFCU defined the term total of payments as The amount you will have paid after you have made all payments as scheduled. Which is not the definition specified in The Truth In Lending Act nor does it have the same meaning.

( 5 ) NAVY FEDERAL CREDIT UNION has committed multiple violations of The Truth In Lending Act and created a deceptive form to undermine the federal laws put in place to protect consumers from abusive practices as such and to inform consumers of the actual cost of credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I paid my balance in full in the month of XXXX on the XXXX, XXXX  in full in the amount of {$6600.00}. Chase credit services choose to charge me an additional interest charge of {$56.00} for XXXX. When I paid the balance on the card I asked for a current amount due. They showed a balance of {$6600.00}. I called their customer service to dispute the invalid Charge they refuse to refund the invalid charges. I would like a full refund of the {$56.00}, and file any charges against Chase for fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I am attempting to have a tax lien withdrawn from my Experian credit report. I 've attached documentation to support my request. I have n't been successful when I 've disputed to have my file updated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-19
Company: CCS Financial Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2020, a letter was created by Credit Collection Services in XXXX, MA stating my account was sent to them for collection from XXXX XXXX XXXX. 

I received the letter on XX/XX/XXXX in XXXX, AZ at which point I immediately opened up their payment website, was offered a 3 month payment plan, and accepted it with a payment for {$89.00} due immediately. The 2 subsequent payments were paid on XX/XX/XXXX and XX/XX/XXXX respectively for a total of {$260.00}. The account is now paid in full. 

Today, XX/XX/XXXX, I received notice from XXXX  that an account was placed for collection on XX/XX/XXXX from the same Credit Collection Services for the account that not only was addressed in a very timely manner, but also 2 out of 3 payments were made with the XXXX being paid off in full 4 days later. 

I called the company CCS and requested to understand why they intentionally tried to damage my credit and the representative said he can do 2 things : send me a letter saying the account is paid in full, and let the credit bureau know within 10-14 days that the account is paid. I told the rep that is not good enough. They are intentionally ruining consumer 's credit for absolutely no reason whatsoever. They received their monies, the accounts paid in full so why is it necessary for you to report it the credit bureau. 

I am XXXX years old, a XXXX XXXX  severely impacted by the XXXX  crisis, I've paid my debts to society, haven't had a collection in over a decade and I am trying to buy a house after renting for over 20 years. I've worked my XXXX off to get where I'm at and companies like this make me sick. This predatory and unnecessary action has totally jeopardized my highly-prized and highly protected credit bureau. 

This company should be ashamed of itself.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: Paypal Holdings, Inc
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
For the last month I have had issues getting the money from my account and the only answer I could get from them was their internal security system detected unusual activities on my account. The could never tell me what activities this included and it couldnt be overrode. Now this week after a XXXX transfer to my axcount they shut my account down completely and are telling me I have to wait 6 months to be able to get my money out. Because of this i have not been able to eat, and get my XXXX  related medicine, and other things.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-28
Company: EQUIFAX, 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:
I disputed through all  XXXX  credit bureau stating i never had aacount with this company 's, they kept saying the account was verified. I sent a certified letter requesting validation of the debt with a copy of the application with my signature, I have not received anything. On   X/XX/17 , m y credit monitoring sent an alert. from equifax.   XXXX   XXXX   had updated the account from Charge off account in high credit is original charge-off amount to charge off account, unsecured,  Amount  in high credit is original charge-off amount. They refuse to remove this account from my credit report knowingly I never had an account with them and they have no proof to valid the account either that has my signature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-21
Company: LTD Financial Services, L.P.
State: VA
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
i XXXX XXXX submitted all account to XXXX including XXXX for paynment to XXXX now this company call ltd financial services limited partnership have being calling my phone and now they have sent a letter to my house if i do not contact them a judgment will be force .this is the phone number XXXX ask for XXXX.

Company response to consumer: Closed with explanation