BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-02
Company: Collection Receivables, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter from collection receivables inc. on XX/XX/2021 stating that I owe a debt to XXXX XXXX of {$1000.00}. I have not received any notification from XXXX XXXX stating that I owe any amount until I received this notice. I contacted the collection agency stating that I do not recognize this debt in the fact that I have not attended that gym and only believed I had signed up for a trial which I have never used. I told them that I would be sending a validity of debt letter and would like this debt to be verified in writing and sent the letter on XX/XX/2021. I have never received anything in the mail from the collection agency verifying the debt and received another call on XX/XX/XXXX with another attempt to collect. I was explaining that I have sent a letter to the office asking for written verification of the debt and they stated they did not have to send me anything in the mail and abruptly put me on hold with no notice or disconnected the call. I called back and the person on the phone began to yell and speak to me in a very unprofessional manner after I asked her not to yell and cut me off as I was just asking questions I had to hang up because she refused to answer me about the validation of debt. I have connected them in writing before the 30 days and they did not contact me in writing or by phone after I sent the letter and therefore have not contacted until after the allotted amount of time. I have a copy of the letter I sent disputing the debt and also have the original letter in the mail from collection receivables inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I HAVE UNAUTHORIZED CREDIT INQUIRIES ON MY CREDIT REPORT. 
XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I purchased two appliances via XXXX 's and applied, ONLINE, for a Brandsource Credit card boasting 0 % interest for 24 months. I completed the application online and created an ONLINE account. To date I have received my stove but not my refrigerator. Approximately two weeks ago I received my card in the mail and have been unable to register it online. I keep receiving an online error message saying my card can not be registered. I can not reach anyone who speaks English at XXXX. Today I received three calls from " Consumer Protection '', supposedly a division of Citi. I hung up because I could not understand the foreign callers and I thought it was a scammer. I called back this afternoon and was able to speak to a woman who spoke English fluently ( XXXX ). XXXX said neither Citi or Consumer Protection are authorized to assist me because I have not called them with the 4 digit " verification '' code they mailed to me, via letter, 2 weeks ago. XXXX said no one at Citi can give me my balance, tell me when my first payment is due, mail me a paper statement, allow me access to my account online or tell me if I am racking up charges and late fees, all because I never received a " verification letter '' they claim they mailed. So, now I have to wait another 7-10 days for this letter to be mailed, I have to call a number and provide that code before they will assist me. So, to be clear, they allowed me to apply online, without any sort of verfication. Allowed me to purchase at least $ XXXX worth of appliances, mailed ME A CREDIT CARD WITHOUT VERIFYING ME, BUT THE MINUTE I WANT TO MAKE A PAYMENT OR ASK FOR MY STATEMENT, I CAN NOT BECAUSE I NEVER RECEIVED A VERIFICATION LETTER THEY SAY THEY MAILED? HOW IS THIS EVEN LEGAL? They will not tell me my balance, will not tell me whether or not I have accrued any late fees and will not tell me if I have lost my interest free promotion. How is this even legal? I am asking for the third time, that a paper statement be mailed to me, any fees, late charges or interest be removed and this account closed immediately please. I do not care to do business with the likes of this company. What a trap.

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 2021-03-17
Company: EQUIFAX, 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 reached out the Equifax multipole time over 2 years to fix error in my credit report. other companies like Experian fixed it right away but for some reason Equifax refuses to provide any proof the accounts are opened by myself. 
here are the accounts that are NOT mine Date : XX/XX/XXXX Bank : XXXX XXXX XXXX Amount:XXXX Date:XXXX  Bank : Comenity bank/ Anntyl Amount : {$920.00} Date : XX/XX/XXXX Bank : XXXX Amount : {$4900.00} Date : XX/XX/XXXX Bank XXXX XXXX XXXX XXXXXXXX Amount : {$6300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-01
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I applied to cash reward through Navy Federal credit Union and I was looking for a balance transfer promotion, on a phone conversation with a navy federal agent I was told if I would to do a product change to the platinum credit card I would be able to enjoy a 12 months and 0 % balance transfer promotion forward 2 weeks I'm calling in to find out if the promotion is attached to my card after the past 48 hours I spent to do balance transfers from different institutions and I'm finding that I'm not entitled to it because I did the product change and not and new application and that was not disclosed to me when she was selling and pitching the product change I'm feeling deceived and it's hurting me financially.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Experian Information Solutions Inc.
State: NV
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:
In accordance with the Fair Credit Reporting Act 1. XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

2. XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

3. XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING i sent TWO certified leftters already asking for proof that these accounts are mine only thing they send back is that that they have updated the information and all accounts are verified both transunion and XXXX are ignoring my request for proof that these accounts are actully mine. Also keep reporting inaccurate information from account opened dates till the actual account number and more. I attached most resent results they continue to keep sending me after keep waiting XXXX days for them to finish with results. Both letters i sent copy off my drivers license and social security card and got it notarized but keep asking me to send it over and over. I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified with NO PROOF of VERIFICATION items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly but never showed who verified these accounts? You have NOT provided me a copy of ANY original documentation of contract with my signature on it as required under Section 609 ( a ) ( 1 ) ( A ) & amp ; Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & amp ; 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. These accounts again I ask to be deleted immediately from my report XXXX XXXX # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, 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
Consumer complaint received 2022-04-14
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have recently contacted company to get late payments removed from this account. The account is an Ex-boyfriends and due to his pride he did not reach out to me for help when I wouldve been more than happy to help. Credit Acceptance did not reach out either when all my contact information was provided. I reached out to Credit Acceptance on more than one occasion to get a paper mailed to me to ask them to remove it and was never sent that letter. The lady also stated that it should be removed because of the lack of communication on their side.

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 2023-08-13
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I purchased a car with US Auto Sales in XX/XX/XXXX. This car had a finance charge of nearly XXXX on a XXXX car. The car was financed for nearly XXXX. XX/XX/XXXX the car broke down and left me stranded in XXXX in XXXX. I called about the warranty the following day and the service was denied. 4 times between XX/XX/XXXX and XX/XX/XXXX the car was in the shop for the same light/code. 

I had payments deferred with US Auto because paying for the car with no help from the warranty made it difficult to keep up with the payments. I applied for a trade in in XX/XX/XXXX and was approved but never got the car because the company shut down. The loan moved to Westlake Portfolio management in XXXX, but I was never able to make any payments between the closing of the company and the transfer to WPM. However I had late payments reported on my credit report, then the entire history with the company was completed deleted causing my credit score to drop over XXXX points. 

WPM does not honor the warranties and has no record of my payment history to prove my payments that were made to US Auto. Instead they want me to restart my loan. Additionally, a call to the warranty company on the original contract verified that a warranty was paid for in my end but never purchased by US Auto sales. I purchased a car in good faith and the car company acted fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Ocwen Mortgage serviced my loan # XXXX between XXXX - XXXX. 
Property address is : XXXX XXXX XXXX # XXXX, XXXX MA XXXX. 
Then it was transferred to another servicer XXXX in XXXX. 
Expected that account is closed as of XX/XX/2013. 

I just got a Credit Report and Ocwen shows as OPEN, but should have been CLOSED back in XXXX. 

Called Ocwen customer service on XXXX twice between XXXX - XXXX XXXX. They were unable to find my account by loan # or SSN # since account has been Closed. 

Now I am stuck with Loan showing OPEN which hurt my Credit Score since I am trying to obtain a new Loan. 

Matter is URGENT and requires an immediate assistance in resolving as soon as possible. 
This account should be Closed. 

please see credit report attached Thank you 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 2016-10-04
Company: NATIONSTAR MORTGAGE LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
During the closing of our home, the mortgage company ( XXXX ) selected an appraiser that used higher priced comparables outside of our neighborhood to appraise the home XXXX above the sale price of XXXX. One and a half years later while we were attempting to re-fiance with our current mortgage servicer ( NationStar ), they selected an appraiser that only used lower comparables, exclusively in our neighborhood. The appraisal came in XXXX lower than the actual sale price. In both cases the appraiser noted local prices were stable. 

It appears that either the initial appraiser or the second appraiser or both appraisers made sure to select an appraisal value that most benefited the mortgage company that ordered the appraisal. In the first case the higher appraised value helped ensure we continued with the closing process. In the second case, the lower appraised value meant we needed to bring more cash to the table, as our primary motivation for re-financing was to remove the PMI from the initial loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In 2017, XXXX XXXX sold their portfolio. Rushmore Loan Management Services received this loan. On the first bill, a fee was noted on the payment statement for over {$3300.00}. Since 2017 several attempts have been made to get Rushmore to disclose why this fee is present. This loan was over paid with XXXX and at times sometime doubled payments in XXXX month. No letters or explanation of the fee has been provided until today. Today a supervisor named XXXX stated that a note on the loan states " XXXX entered into an agreement with the government and the fee assessed during audit is listed as deferred interest payment due ''. 
I have found a press release that shows XXXX agreed to pay XXXX XXXX by DOJ in connection to sales of residential mortgage loans. How is this agreement the issue of the consumer/mortgage holder? Why has Rushmore not address this for 5 years? How many other XXXX service sold loans have this same issue? Why has Rushmore not corrected the erroneous fee accordingly?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: LEXISNEXIS
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
I wrote a letter to LexisNexis to have them remove my personal information from their service. They informed they would do so within 45 business days. When I check to see if my info was still listed 60 business days after their response, it was still listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
State: LA
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 submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}

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 2022-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXX has me at a score around XXXX. That is a huge difference. XXXX  paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE

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 2017-05-08
Company: TRUSTMARK CORPORATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On  XXXX   XXXX ,  2017 , I deposited several checks into my checking account, one of which was in excess of {$5000.00}. The branch manager put a hold on this check thereby making these funds unavailable to me for the purpose to which they were intended, even though the check cleared on the day of the deposit, or at the latest, the next day. The person who wrote the check received a notification that the funds had been removed from their account  one  day after the deposit, on  XXXX   XXXX ,  2017 .  Trust  mark continued to hold the funds from my account for 8 more days, until I personally visited the main Trustmark office and spoke directly with the President of the bank. There was no reason given, nor a reasonable criterion for the funds to be held at the time of the deposit, much less for eight more day, according the Federal Re serve  Guidelines 229.13 Exceptions ( under the section of Availability of Funds ). I have done business with Trustmark for almost thirty ye ars. These funds were not being deposited into a new account, and I have never had an overdraft or a redeposited check. There was " no reasonable cause to doubt collectibility. '' None of the other exceptions under this paragraph or its subsections apply, and the President of the bank could not give a reason for the hold having taken place. I not only was inconvenienced twice, but was also unable to pay off my mortgage with the funds I deposited without having to make a trip to the main branch and speak directly to the  President of the bank. And, for eight days, Trustmark profited from my money. If I had not taken off work for a second day to resolve this issue, I have no idea how long they would have held my money hostage .     I think that I have resolved the issue ; although, I have not seen my final bank statement, nor my mortgage statement. I plan to close  my Trustmark account as soon as my pending transactions have been paid. Be forewarned. This is not the first problem I have had with Trustmark. On more than one o ccasion I have had funds misapplied or " lost. '' With these other small issues, I have resolved the problems and moved on without filing a complaint or changing banks, because changing banking institutions is quite inconvenient, but at some point, the consumer has to stand up and make a statement. If you have had a similar experience with Trustmark, I urge you to file a complaint. Please, keep a very close watch on your statements and deposit slips.

Company response to consumer: Closed with explanation