BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-29
Company: TRUIST FINANCIAL CORPORATION
State: OH
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
When i 1st obtained this loan, i was offered an introductory rate and term so that it coukd be paid off early, instead of the 5 years that they wanted. I never got any paperwork from the loan company for approximately 90 days. I had to contact them in order to get the loan contract with the terms and due date for payments!!!! Now that I've had this loan for over a year, and have even paid extra payments, they are now stating that my introductory term is now void because of past due payment ( s ). I've sent them payments ahead of time thinking that would put me ahead on my payments, and when I spoke to them about this they simply stated that they only process payments within certain days and if you send an extra payment in, it knly goes toward that payment, not the next payment or any other future payments. They also keep changing the due dates on the payments and fail to record payments that i have sent.

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 2023-12-14
Company: Experian Information Solutions Inc.
State: NJ
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 filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-02-01
Company: Ocwen Financial Corporation
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
Received Newrez Mortgage assistance offer, trial approval documents XX/XX/XXXXXXXX  with the amount of the trial 3 payments. Trial payments were made on the due date but I received foreclosure letter from foreclosure lawyer saying my house would be foreclosed on XX/XX/XXXX. I'm a XXXX  citizen I don't want to lose my home.

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 2024-02-02
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This office has failed to respond to this validation request within the 10 day time period from when the letter request was originally sent via certified mail. I also requested that all references to this account must be deleted and completely removed from my consumer report, and a copy of such deletion request shall be sent to me immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06
Company: The CMI Group, Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX Unknown Account Number Credit Management LP. , credit is falsely reporting on my credit I have never had an account with them. After my research Credit management LP., is a debt collector. They are falsely reporting this account to my credit file against my rights and fair credit act. under 15 US section code 1681D-disclosure of investigative consumer reports. I have attached the definition so you can see the violation! ( a ) disclosure of fact of preparation.

A. A person may not procure or cause to be prepared an investigative consumer report on any consumer unless ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested. 

I request proof of this alleged item, specifically the application or instrument, with my signature with Credit Management LP.,. If unable to provide the documents requested this account should be deleted from my credit report as soon as possible. You have 30 days to complete your reinvestigation Under federal FCRA laws, I will also be seeking {$1000.00} per violation : 1. Defamation.

2. Negligent enablement of identity fraud 3. Violations of USC 15, 1692G

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
XXXX provided a copy of my credit report to multiple companies without my authorization : XXXX XXXX on XX/XX/XXXX -Ally Financial on XX/XX/XXXX -Bank of America on XX/XX/XXXX XXXX XXXX XXXX  on XX/XX/XXXX As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.

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 2024-01-31
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
XX/XX/XXXX, XXXX Made the check amount for my rent {$880.00} XXXX XXXX says the check was deposited into my landlords account, no one has the time that she deposited it. I had {$650.00} in the account. 
XXXX XXXX XXXX-overdraft {$220.00}, XXXX {$1000.00} deposited from my direct deposit, the remaining amount is {$770.00}. Everything appeared fine. 
XX/XX/XXXX. received an email saying I had insufficient funds at XXXX, when I awoke my account had {$1600.00}. 
I called and asked them why they returned the check they said i didn't have enough money when she deposited the check, then they said a check takes XXXX days to process, so if it takes XXXX days and within hours I had the funds in the account, why was the check returned? The answer was I had insufficient funds. I asked again, if it takes XXXX days, and she deposited the check on the XXXX, and I had the funds to cover my insufficient funds within hours, why was the check returned? No one could give a straight answer, when they did answer. I called the bank 6 times, I got someone who couldn't tell me anything, I got someone who hung up on me, I got the buy signal and hung up on, I got someone who " tried '' then she transferred me to someone who couldn't answer anything I asked him, then said we will file a complaint for you, I asked how, he said with us BMO. Then hung up.

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 2024-01-31
Company: Westlake Services, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I certified mailed debt validation request documents to this company XX/XX/year>. I have yet to receive any validation documents or proof this alleged debt is legitimate or being rightfully reported. I have no business with this company, I dispute the validity of this alleged debt. It is not mine.

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 2024-02-05
Company: CCS Financial Services, Inc.
State: MO
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Credit collection services I never had a. Account with them and would like to report there saying I do committing fraud spoke with representative there could not verify debt been 2 years said they will fix the problem and still reporting negative on my credit report which is false and incorrect and would like this matter fixed asap.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05
Company: Eastern Account Systems of Connecticut, Inc.
State: VA
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: Investigation took more than 30 days

Complaint:
Will not produce my signature on a contract or agreement because I never agreed to this. Per FCA section 609 they had 30 days to produce.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
An application was submitted fraudulently.

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 2024-01-26
Company: Rubin & Rothman, LLC
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
A DEBT FROM XXXX FOR A VEHICLE I CURRENTLY NO LONGER OWN AND PAID OFF XXXX TO THIRD PARTY CREDITOR WITH NO CONTRACT IN PLACE THIS ATTORNEY CONTACTED ME AND STATED THAT I OWE HIM FOR THE VEHICLE DEBT THAT WAS ESTABLISHED IN XXXX AND IN XXXX THE ATTORNEY CLIAMED HE WAS HIRED BY THE COMPANY I PURCHASED VECHILE FROM IN XXXX HE WAS Documents By typing my full name below, I certify that the above complaint is true and accurate to the best of my knowledge and that any documents attached are true and accurate copies of the originals. * Signature XXXX XXXX Date of Affirmation XX/XX/XXXX COMPANY I PURCHASED VECHILE FROM IN XXXX HE WAS ATTEMPTING TO COLLECT A DEBT AND BEGAN TO GARISH MY PAYCHECK SINCE XXXX FOR THE CAR PURCHASED IN XXXX NOW THAT IM WORKING WITH XXXX XXXX THE NEW DEBT COLLECTOR XXXX XXXX ATTORNEY RUBAN AND ROTHMAN, LLC ATTORNEYS AT LAW AS OF XX/XX/XXXX THE ATTORNEYS STATE I OWE THEM XXXX JUDGEMENT FROM XX/XX/XXXX WHICH WAS ORGINIALLY XXXX I BELEIVE THE STATUE OF LIMITATION IS ONLY 7 YEARS ALSO THE ORGINAL DEBT SECURITY WAS SOLE AFTER PAYMENT AND NONE OF THIS IS BEING REPORT TO THE IRS WHICH IS ANOTHER FEDERAL OBLIGATION AND NOW FRAUD FROM THESE FORERIGN AGENTS ACTING IN DEBT COLLECTOR CAPACITY WITH OUT CONTRCAT THEY ARE OPERRATING IN A CAPACITY OF A DEBT COLLECTOR AGAIN TITLE 15 USC 1692 G ALSO THE SHERRIF DEPARTMENT OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX NEW YORK XXXX HAS ADDED {$20000.00} NO EXPLIANATION FOR FEES JUST STEALING FROM THE ELDERLY WITH PAST STATUE OF LIMISATION TO COLLECT AS DEBT COLLECTOR HOWEVER MY CLIAMS AND DEFENSE BEGINS WHEN I NOTICED THE FRAUD UCC 3-305 ( 1 ) as for as these debt collectors 18 USC 1001 and 1005 applies WHICH SEC AND FINCEN SHOULD BE NOTIFIED AND IRS for security fraud using tax payer money to get Judgment without giving me the write to face my accuser IM REQUESTING THE REGISTRATION NUMBER FOR THE FORIEGN AGENTS ONFILE WITH THE DOJ AND ALL MY MONEY BACK FOR FALSE COLLECTION SEE ATTACHMENTS

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 2023-12-31
Company: MOHELA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I submitted an application for the income-driven repayment plan ( SAVE ) back in XX/XX/2023 with Mohela, who is my loan service provider. Since then, I have called at least once a month to check on the status of the application, because it was not getting processed. I was repeatedly told that it would take around 10-15 business days. On late XXXX, the customer service specialist I spoke with said that for some unknown reason, my application did not get processed, and she sent it to a higher priority list. She said there was nothing missing from my end ; it was a delay from Mohela itself. Again, I was told that this time it would certainly take 10-15 business days. It is now XX/XX/2023, and the application is still under processing. Because of the delay, interest is being accrued on my loan. I have repeatedly asked if there was something missing from my end, and the answer I always received was no. I have done my part since XXXX, and I'm still waiting three months later for Mohela to take care of their end.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY
Product: Credit reporting 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 wish to formally contest any unsubstantiated or inaccurately documented information in my credit report, according to the FCRA and the recognized Metro 2 data field reporting standards. The allegations of delinquency and derogatoriness require factual verification as mandated by federal and state law, preventing any reporting that may contravene legal requirements. 

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX, NJ, XXXX Listed below are the Accounts that are being challenged XXXXXXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-02-03
Company: CCS Financial Services, Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
CREDIT COLLECTION SVCS I XXXX XXXX XXXX XXXX, MA XXXX XX/XX/year> NOTICE OF DISPUTE TO : CREDIT COLLECTION SVCS I, I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt purdusnt to 15 USC 1682g. I REQUEST THAT YOU PROVIDE ME VERIFICATION OF THE ALLEGED DEBT.

VERIFICATION CONSISTS OF PROOF THAT THIS ALLEGED DEBT BELONGS TO ME. A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTH OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE XXXX-HAND KNOWLEDGE AND MUST BE NOTARIZED. 

Since this is disputed pursuant to the Fair Debt Collection Practices Act. you are requiredto cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX AND XXXX. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal per 15 USC - 6802. I hereby inform that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. 

You are in noncompliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Biley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with Section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802.

I request that you provide the Aggravated ValueOf Purchase showing how much you paid for this debt. IT IS A MATERIAL MISREPRESENTATION FOR YOU TO ATTEMPT TO COLLECT ANY AMOUNT MORE THAN WHAT YOU PAID FOR THIS DEBT WHICH IS FRAUD UPON THE COURT AND FALSE & MISLEADING. 

THIS IS A WARNING YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. 

Sincerely, XXXX XXXX XXXX BENEFICIARY

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I submitted a credit card dispute to USAA Bank on XX/XX/2023 for an unauthorized charged on my credit card. A Company named XXXX XXXX XXXX in Florida charged me for an stay at their location even though I never stayed there. I disputen the charge and USAA did not acredite my credit card they refuse to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My XXXX account was hacked on XX/XX/2023. The criminal, who's name appears to be a XXXX XXXX, used the saved credit card on file to repeatedly purchase {$50.00} gift cards. After XXXX successful transactions, Citi, my credit card company, locked my account for suspicious activity. As soon as I had a chance I disputed the charges. Citi issued a temporary credit and opened an investigation. On XX/XX/2023 I was contacted by Citi asking for additional information. I filled out all of their forms and returned them as instructed. I was just informed that the credit was reversed. The real criminal aka XXXX XXXX is still out there trying to access my account. They try to log in numerous times every day. This should have been an open and shut case with a quick and permanent refund. XXXX won't allow me to request a refund and Citi is taking their refund back.

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 2024-02-07
Company: CITIBANK, N.A.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
absolute resolution is attemting to collect on and unverified account and falsifying data on the account by reaging account and payment history. also, deleting and reinserting account on my consumer 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 2024-02-06
Company: Special Financing Company, LLC
State: MA
Product: Credit reporting 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 am contacting you regarding a series of inquiries on my account that I do not recognize. These unexpected inquiries have prompted concerns about unauthorized access and I require your immediate assistance to investigate and resolve this matter.

Specifically, the inquiries were recorded on the following dates and by the following companies : XXXX XXXX  on XX/XX/XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX I did not initiate any transactions, account applications, or credit checks that would justify these inquiries. Since noticing these on my account statements, I have reviewed all my recent financial activities and found no correlation with these inquiries.

To address this issue, I have ensured all my security settings are up to date and monitored my account for any additional unusual activity. As of now, there has been no resolution or explanation provided, and I am concerned about the security of my financial information.

Please note, I have omitted personal details from this communication for security reasons. However, I am prepared to supply any necessary information upon request, through a secure channel, to help identify my account and facilitate a swift resolution to this issue.

I expect a prompt investigation into these inquiries, a detailed explanation regarding their origin, and the assurance of the safety of my financial information. Furthermore, I would like to know the measures that will be taken to prevent similar occurrences in the future.

Your prompt attention to this matter is highly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation