BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-26
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
Purchased a home and bought a home warranty plan from XXXX XXXX XXXX, there was an issue with the ductwork discovered later, I submitted a claim to them, XXXX XXXX XXXX denied the claim, I provided professional reports and comments from the technician they had sent out disputing their conclusion, they chose to ignore my responses and not answer the direct questions I had about their conclusion ( conversation attached ). 

As a result I disputed the {$550.00} charge for the plan with the credit card company I paid for it with, the Best Buy Visa Card serviced by Citibank. I disputed it on the grounds that I never received the goods and services that I had paid for and had made a good faith attempt to resolve the matter with the merchant who was now no longer responding. I frequently called Citibank to get an update and see if more information was needed from me ( their call records will show this ). I could not speak with the disputes group investigating the matter and was later told it was not resolved in my favor because the merchant had shown I authorized the purchase. When I pointed out that was not the reason for initiating the dispute, but that I did not receive the goods and services as described that I paid for, City Bank refused to reopen the case or evaluate how they well exceeded the time frame for these issues to be investigated. 

I did not receive the goods and services as described from XXXX XXXX XXXX. They have chosen not to respond to my questions after an attempt to resolve it with them. The credit card company did not investigate the dispute properly or within the appropriate time frame and that is what is prompting this complaint.

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 2023-08-15
Company: Credit Fresh Holdings Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX Credit Fresh are harassing me over a debt I do not owe. 
XXXX XXXX XXXX XXXX Credit Fresh is reporting a collection/charge-off account to all XXXX of my credit bureaus that is not mines. I have no signed contract or business dealings with XXXX XXXX XXXX XXXX Credit Fresh. Recently I received several harassing phone calls from XXXX XXXX XXXX threatening over this debt that is not mines. In addition XXXX XXXX XXXX proceeded to call and harass family members. I have never received any legally binding singed contract from XXXX XXXX XXXX XXXX Credit Fresh stating that they owned this debt nor their intent to pursue collection & report erroneously to my credit bureaus. I see they have had action & lawsuits taken against them for using deceptive tactics to collect bad debts. I have requested documentation to include a signed agreement & proof that XXXX XXXX XXXX XXXX Credit Fresh owns the debt ( along with copies of anyone else who has owned this erroneous debt ). Upon contacting the said original creditor, they acknowledge they do not have any knowledge of this account. XXXX XXXX XXXX XXXX Credit Fresh is in willful non-compliance with the FCRA. With identity theft, data and security breaches on the rise I am sure XXXX XXXX XXXX XXXX Credit Fresh understands the importance of properly investigating my concern. I will continue to document my efforts to get this issue resolved. If this is not resolved I intend to pursue litigation & seek monetary damages. I am confident I will prevail and will not be interested in settling after legal expenses are paid. I believe it will be in XXXX XXXX XXXX XXXX Credit Fresh 's and my best interest to resolve this issue prior to litigation to avoid unnecessary out of pocket expenses. I have documented all of XXXX XXXX XXXX XXXX Credit Fresh 's violations to include : Calling me about a debt I do not owe, Left messages without idenitfying the company 's name, Left messages without disclosing that the call is from a debt collector, Called XXXX parties ( family ) even though the agency had my phone number, Disclosed to a XXXX party ( family ) that I owe a debt, Continued to contact me after I said to stop, Threatened me with legal action, Failed to remove this debt from my credit reports. I will continue to document all of my efforts until this is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: Global Lending Services LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased my vehicle on XX/XX/2019 from a auto dealership in XXXX Texas. I was told by the dealership that the lender required that I purchase Gap and Warranty. This added about {$3000.00} on to my loan ( {$2500.00} for warranty and {$470.00} for gap ). It made my payment {$380.00} a Month. I was later told that I did not have to have those. When I found out the that they were not they were canceled and the money was sent back to the lender. The lender continued to tell me that the length of my loan would reduce from 48 months by taking a year off and my car note would go down. I asked for the truth so I would know if I wanted to continue to keep the car. The dealer said I could resind the contract but and the lender said when they got the money back it would reduce the length on loan and reduce the payments. I have found out now it was not true. When I ask for a extension on my loan they now ask for me to sign a document that I will waive my right to file any suit against them. Global lending has scammed me. They have also damaged my credit previously by reporting inaccurate information such as wrong balance, which was higher and reporting my account as closed. 

This company has continued to deceive me, they have told me things that were not true and then put on document that i would have to waive rights to sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: EQUIFAX, INC.
State: FL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: Ragan & Ragan, PC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a debt collection letter from Ragan & Ragan PC ( copy enclosed ) regarding a debt that is not mine which I previously disputed with XXXX XXXX XXXX ( copies enclosed ) who failed to validate under the FDCPA and FCRA. XXXX XXXX sold a debt that was not validated to Ragan & Ragan PC. 
When I received the letter from Ragan & Ragan, which was originally sent to the wrong address, I immediately replied via certified mail ( receipts included ) advising them this debt was not mine. Today, XX/XX/ I received another letter from Ragan & Ragan demanding payment and claiming a copy of a loan agreement that does not contain my signature or any other identifying information, constitutes as debt validation. They have also stated I have 7 days or they will assume I dont have any other validation requests. These agencies abuse consumers because we dont know all the laws that are set in place to protect us. Im filing a complaint so that CFPB protects my rights and this agency stops its illegal and abusive practices. 
Ragan & Ragan PC File No XXXX XXXX {$9100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Kriya Capital, LLC
State: OK
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:
Credence Resource Management XX/XX/2021

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-11
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed a derogatory statement on my XXXX account from American profit recovery for {$45.00} dollars I do not have a contract with them and I do not wish to do business with them and would like for them to remove this negative account immediately upon my request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got a new phone number through my phone carrier, and for months now since XXXX of 2021 I keep receiving calls and voicemails from the past owner of my phone number ( Her name from these voicemails was XXXX XXXX XXXX or something I cant make out from the voicemail ). XXXX XXXX recycles phone numbers, so I had received this one from her. I have no idea who this woman is. 

Please please help me to make these calls stop. I keep on having to report these calls and scams/fraud. I even had to change my phone settings. Last month alone I had 337 unwanted calls received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Conduent Incorporated
State: FL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I am on unemployment for the first time. I was sent a WayToGo card. After seeing the astronomical fees, I changed my payments to my direct bank deposit. The fees these bank/card charges are horrid. Every time I call in ( you are NEVER able to speak to anyone because it doesn't give you an option ), I get a {$0.00} charge. Even if I go online, I get a {$0.00} charge. 
When I received my first payment, I went to my bank ( XXXX XXXX  ) to pull the funds from the card. It was declined because my bank handles visa cards. I went to one of the " suggested '' banks, which charged {$1.00}. 
To this day, I have been charged {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$1.00}, and {$0.00} ( and one more charge of {$0.00} because I had to log in to ensure all the charges were reflected correctly. 
Total loss of money : {$4.00} I ask for your help because if this bank/card is doing this to me, they are probably doing it to others. Next, being unemployed, taking money from the client 's account, such as above, does not help, especially when funds are tight.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: DISCOVER BANK
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Pursuant to 15 USC 1692g ( a ) I requested validation of debt and have not received any of the information I requested. My written consent was never given to to the debt collector to even furnish information on my credit report. Pursuant to 15 USC 1681b ( 2 ). Also Discover Bank is in violation of 15 USC 1692e ( 2 ) ( A ) for the false representation of " Bill amount '' in the positive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: EQUIFAX, INC.
State: WA
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1618 Account name XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXXAccount name # 15 U.S.C 1681 section 602 A. States I have the right to Privacy 15 U.S.C 1681 section 602 A : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crime which antedates the report by more then seven year.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my home loan with XXXX XXXX/PHH Mortgage Services and have had issues with them since initiating the loan. They arbitrarily raised the property tax escrow account based on the home value rather than the actual property tax amount owed. We had to make several phone calls and eventually fax our property tax paperwork to fix that. In addition, XXXX XXXX/PHH Mortgage Services said we didn't have homeowners insurance and was charging us for that as well, but we provided documentation to substantiate our claim and that was also fixed. I wanted to pay my mortgage via direct debit in XXXX of 2020, so I set it up in XXXX of 2020. The money was to be debited on XX/XX/2020, but was never debited. Despite emails and several phone calls, my mortgage payment has not been debited. My concern is that the payment is considered late ( I am getting Mortgage is Past Due letters ), accruing interest and late fees and will eventually affect my credit. After waiting over an hour to speak with a PHH supervisor concerning my mortgage on XX/XX/XXXX, they hung up on me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Hello, my name is XXXX XXXX XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. I am unable to purchase a house or do anything with this inaccurate information on my report. Please remove these as soon as possible.

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 2023-02-16
Company: FlexShopper, Inc
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
The lender refuses to remove bank account information upon request and revocation of authorization. 

Said was not allowed to remove information till I add more. This isn't how it works. 

Refused to remove my bank info. XX/XX/2023 at XXXX by phone.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Man showed up in plain clothing to my home waited for me to pull in my drive way dropped paper work off from XXXX XXXX XXXX did not give his name. Took pictures of my home and my children without my permission. I called the company and have not received a phone call back. The man gave me paperwork stating that I had a court date and that they would pass a judgement on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: EQUIFAX, INC.
State: NY
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX Account name : XXXXXXXX XXXX # XXXX Account name : # XXXX Account name : XXXX XXXX Account name : # XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX # XXXX ALL 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: CITIBANK, N.A.
State: MI
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:
So why use my identity? I am a fraud victim. I contacted the company they refuse to take it off my credit report I did not get information for no one to use my information I have contacted the credit report I have sent proof police reports. FTC report and they refuse to take that off my credit report and its messing up my credit. I pay all my bills on time but I will not pay for something. I did not do XXXX data data breach at the time of the transaction was made, and I was one of the people, that was in the data breach I need help to get this off my credit 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 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief