BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-23
Company: World Acceptance Corporation
State: GA
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:
Requested a dispute with CRA 's. The dispute was a detailed compliant about the information being reported on my credit profile.This particular account from World Finance is reporting inaccurate late payments. The Late payments are inaccurate from XX/XX/XXXX to XX/XX/XXXX. How can you be late the same amount of days from a month to month reporting period? This is a FCRA violation. 

World Finance Corporation incorrect information on my credit profile. The incorrect info is the late payment for XXXX of XXXX. How can you be late the same amount of days from a month to month reporting period? This is a FCRA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: EQUIFAX, INC.
State: CA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX appears on Credit Reporting Agency without my knowledge or permission. In accordance with the Fair Credit Reporting Act my rights were violated. 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604 Section 2 it also states a Consumer Reporting Agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX, XXXX I contacted XXXX XXXX, which served as the provider for the Accidental Death and Dismemberment Insurance carrier paid through my Ditech Financial, LLC mortgage regarding the cancellation of my policy. The representative at XXXX XXXX cancelled my policy, making the effective date of cancellation XXXX XXXX, XXXX. However, I have continued to be charged by Ditech Financial, LLC each month the {$24.00} premium for this policy, despite the policy being cancelled. I contacted Ditech in XXXX and XXXX of XXXX and I was told both times that the policy had been cancelled and I will no longer be charged, however as of my most recent statement I am still being billed the XXXX and have not received any credit or refund for my excess payments. 
I also have attempted to obtain a loan modification through Ditech. On XXXX XXXX, XXXX I completed a loan modification request form and attempted to submit it electronically through the link provided on my customer account portal online. I received an error that the link was not available. I received the same error message daily for the next week. I contacted Ditech directly on XXXX XXXX, XXXX and I was advised to submit the modification request through a link that was provided via email. I submitted the request and was advised that I would be contacted within XXXX - 10 business days regarding my request. I have not received any follow-up regarding my request to this date. When I contacted Ditech on XXXX XXXX, XXXX I was advised to allow another XXXX - 10 business days as they were working on a backlog. I still have not received a response to this date.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX tried to send money by XXXX. The transaction was canceled by bank of American and my account locked. Now prior to this bank of america had been sending my new debit card o ordered to the wrong address for about 2 months. I called several time and gave them the correct address. So for all this time I had no access to my money except XXXX. So now my income tax check gets direct deposited and 2 days later account closed for fraud no explanation. So I contacted bank of America 's fraud department and talked to the XXXX XXXX tx fraud manager. This is when I caught that they were sending my debit card to the wrong address for 6 to 8 weeks. Then he tells ne there going to send my funds in a check .so I ask them how there going to mail me a check if you can't mail me a debit card. Then he proceeded to tell me that if I called back in the morning he would request the funds to be released from a local branch.so then I called back following morning at XXXX or XXXX am and was told the check had already been mailed. Lie # 1 lie # 2 comes when I call back a few day later and talk to another fraud department employee and she tells me the check was just mail the XXXX and that this was the fastest account closing shed ever seen. So I was told 7 to 10 days to receive my funds one check for XXXX and another for XXXX that to-date I still have not received. XX/XX/XXXX. So I called again and was told 10 to 15 business day before I should call back. Now I did nothing wrong here. They have completely screwed me over. I have loan payment and bills that are late now and completely wreaking my credit that I have been fixing for the past 2 years so I could buy a house. This is a total disgrace. I want my money and all damages to my credit fixed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-24
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan was serviced by Greentree previously and than transferred to Ditech on XXXX/XXXX/XXXX. I have 2 complaints : 1. I realized I did not receive my XXXX when completing my XXXX taxes so I requested online. I received multiple letters telling me that they were " in the process of reviewing your request. Our research has not concluded. '' What research was needed for printing a XXXX to send? First week of XXXX, I received 1 letter size envelope and 1 legal size envelope. They both contained printed copies of 12 monthly statements rather than the XXXX I requested. It took 2 months to have 2 different people taking copies of my statements rather than sending me the XXXX? 
2. My last payment is due this month. I tried calling 4 different days and times to ask if the final payment needed to be mailed and to stop the auto payment. The recording indicated it could not process my request since my loan was recently transferred and it would take a couple of weeks to receive the paperwork. My loan was transferred almost a year ago ( in XXXX )! There was no other options given on the recording to speak to someone. It just said " good-bye '' after the other message. I went online to make an online payment. It did not work. At this point, I was in a panic so I went to USPS and mailed my final payment check for next day delivery ( paid {$27.00} ). My account shows the check cleared XXXX/XXXX/XXXX. However as of today ( XXXX ), the payoff is still not reflected on my account. 
As you can see, I made every effort to make my final loan payment. However, Ditech made it impossible to speak to anyone or make my payment on time. I believe this was way for them to show me delinquent on my last payment and to charge me late fees. Just like Greentree before them, it shows the incompetence ( sending monthly statements rather than a XXXX ) and the shady way of doing business ( to have my loan go delinquent and to charge a late fee ).

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
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:
In XXXX I wrote to TransUnion to remove inaccurate information reporting to my credit report. One reporting agency has already removed this from their report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Autovest, L.L.C.
State: OK
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
During a divorce my ex wife totaled her car which was financed with XXXX XXXX the car insurance was with XXXX XXXX also, the divorce was in XXXX and XXXX in XXXX autovest sued and garnished my check stating they owned the debt in XXXX XXXX XXXX contacted me to make sure that no other insurance was on the car at time of wreck because they were in the process of filing a claim on the totaled car. XXXX separate companies trying to get money for the same debt, who owns the debt and is that not fraud?

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 2020-03-13
Company: AMERICAN EXPRESS COMPANY
State: NC
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 am not familiar with these items and I have been in contact with the company to challenge and verify this debt is mine with signatures and contracts to no avail. I have still received nothing. This is clearly an error and is not my account. the account in question is an AMEX. i have noticed this for several months on my record with incomplete information and it has been hurting me financially unnecessarily as I have expressed. I have notified my attorney to stop the actions of your company from contacting me anymore and I kindly demand your swift response to this matter and deleting these accounts from my reports immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02
Company: Revenue Assistance Corporation dba Revenue Group
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Revenue Group keeps calling me on a bill that I am making payment to. 
*Revenue Group stated that I am not in hardship and the payment I am making is not enough. They also stated that I need to make half the payment that day XXXX/XXXX/XX/XX/2015 That amount was {$600.00}. I explain that I am making payment and do n't understand why the calls. 
*Revenue Group stated that I have the money and should pull from my other means. 
*They also stated because I have a house, husband, cars and a job that I should make bigger payments and not act like I 'm in hardship. I am NOT sorry for doing the right things in life.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: Professional Recovery Management
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
This is a XXXX XXXX XXXX XXXX Credit Card Account that is is my name but I did not open it. It says the account was opened back on XX/XX/XXXX. I did not open the account and it was a result of identity theft. I called XXXX XXXX when the account was still open back on XX/XX/XXXX and told them that I did not open the account. They said that they would look into it and get back with me. I called them once again on XX/XX/XXXX and asked them why the account was still open, they said that they have came to a " resolution '' and will close the account. They never did. The account is now in collections and they keep calling me and asking me to pay the account off when I never even opened the account. I explain to them that it was a result of identity theft and they still want me to pay for it. I have contacted XXXX because that is who it is reported through and they have not responded to me for over a year now. I keep calling them and they say that its still in the mail. Which I do n't understand how it can still be in the mail after a year.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: Nationwide Recovery Systems, Ltd
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I was contacted by Nationwide Recovery regarding an amount owed of XXXX from a hospital visit on XX/XX/XXXX. During the phone call, I did not remember a hospital visit of XX/XX/XXXX. I advised the representative ( who was extremely rude ) that I would contact my XXXX XXXX XXXX ( XXXX   XXXX ) which he became very upset and did not want me to contact them. I contacted my Insurance Company to verify. I was told by my Insurance company that they did not pay the co-pay of XXXX and that it was my responsibility. I have GAP coverage that pays copays so I contacted the original creditor for XXXX XXXX XXXX ( XXXX Hospital ) and paid the amount online on XX/XX/XXXX. They sent me a receipt and my insurance company sent me a claim summary. I was told by XXXX at hospital billing that this account will now be closed and that the collection agency will be informed in 24 hours. I then submitted the claim to my GAP insurance XXXX so that i can receive reimbursement. I received a call on XX/XX/XXXX from Nationwide Recovery. It was the same manager who I spoke to on XX/XX/XXXX. I let him know that this account was paid directly to the original creditor. He became very upset that I did not pay through them. I explained that i had to pay it through the original creditor in order to be reimbursed. He reported the account to the credit agency out of anger the next day even though when he asked me for the receipt number, I provided it to him. This is very unethical. Even though the account was paid the representative still reported the account. They also received notification the account was paid from hospital billing on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Payoff process

Complaint:
Contacted via txt message from XXXX, threatened with a warrant/civil procedure for a debt from a credit card. Called the number they provided, stated as their attorney, ( XXXX ) and was asked to make a XXXX payment of {$250.00} that day or face them submitting a warrant. Was asked to email a copy of my drivers lisence/state id to XXXX. Was suspicious about XXXX payment, was not offered other forms of payment when asked, and that it was a gmail account, and that they wanted a copy of my id. 

Called the collections agency i knew i had a debt with, and confirmed there was no civil procedure against me or a warrant pending, and made a payment of {$300.00} and set up a monthly payment plan with them ( XXXX ). 

I txted back the alledged attorney and said i paid the collections company, was not comfortable submitting a copy of my id or making a non-refundable XXXX payment, and told them to stop contacting me, gave them the # of ltd to confirm i made a payment/set up a payment plan. 

They responded as such- '' this is your warrant which i am going to send to the local police dept '' I replied that the local police only serve criminal warrants, not civil warrants and to stop contacting me or i would report them to the proper authorities. 

Which i decided needed to be done regardless of them replying back, they were threatening, only offering payment via non-refundable/traceable means, had a gmail account for a supposed attorney, etc, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Block, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
There were no unexpected fees. There were no options listed for this situation. I actually received a letter in the mail from Cash App for a XXXX XXXX using my address. The correspondence is attached. This person has never lived at my address before. I opened the letter and enclosed is a prepaid Cash App card that this person must have set an account up for. I don't even use Cash App so that company shouldn't be sending any mail here. And this is the second time recently that I have noticed someone using this address attempting to open a bank account. The other person 's name was XXXX XXXX. He attempted to open a bank account with XXXX using my address. Is there anything I can do on my end to prevent this from happening again?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: TD BANK US HOLDING COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had provided a written petition per TD Retail Card Services ( XXXX XXXX ) request to remove a charge from my account over 12 months ago. A phone was delivered to my house and I refused the package. I have all the tracking information to show it was refused. The company said they received my petition and would respond within 3 months. I have called multiple times and they keep telling me to wait for a response but they have violated federal law by responding within a specific time frame. I am still being charged every month for the product and it's causing me great inconvenience and they are doing nothing to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I called your department after I purchased a credit report with XXXX  on XX/XX/2022. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were COLLECTION account on my credit report. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud account on my credit report all this time, as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with this account listed below, so please help me remove this collection, including this incorrect information from my personal profile. A copy of my Utility Bill and drivers License are all included in this written request. Please help me resolve this issue as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX SXXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: Innovis
State: SD
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
CBCINNOVIS reported my XXXX year old Father 's unlisted # as mine. This # is never given out for any reason except to close family members. XXXX. I was forced to remove the # and get him a new XXXX! Now we have no way to advise the new # to family members that we ca n't reach. They also have my Daughter 's address listed as mine. XXXX XXXX XXXX XXXX # XXXX XXXX XXXX SD.XXXX. They have been told XXXX in last 8 months to remove the information and have refused. These have never been and are not mine! They are giving this info to hospitals. I have XXXX and have bills that I am not able to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
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: Information belongs to someone else

Complaint:
Below I have listed a large number of inaccuracies on my consumer report. The credit reporting agencies have been notified by mail and by phone call. I should not have to debate nor argue over incorrect information listed on my report. I've asked XXXX, Transunion, and XXXX to provide proof any of the below inaccuracies are mine. Under 15 USC 1681a ( e ) investigative consumer report the reporting agencies should not list anything factual or about me as a consumer. In order to validate anything to place on my file it must first be verified by a neighbor, family member, or friend that knows of such knowledge. I gave none of the listed companies permission to use my social security account number to open, apply or inquire. I demand for all listed below to be 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 2022-07-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been submitting letters on XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. Upon reviewing my updates, incorrect information are being reported to my personal credit file. The Experian, and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i and 605b, and continued to report unverified information without providing any proof required by law. The 3 Credit Bureuas have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; XXXX XXXX IN XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 non-monetary relief