BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-22
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
My Citi minimum payment has been in the {$100.00} to {$150.00} range per month. I currently have a high balance on card so i have been making minimum payments. For the period of XXXX I made a payment of {$150.00} as I have been doing for many months, only to find that Citi had unilaterally increase my minimum payment due to over {$1200.00} ( about 50 % of my balance due. At no point did they communicate this increase or an explanation to me, not through mail, not through phone calls or messages, not even an alert on their website. I have requested a justification for this as well as a humble request to reduce my monthly payment as i can not currently afford over a XXXX dollars in minimum monthly payments. Thus far I have received no explanation from Citi, no assistance in reducing my monthly premium, and no attempt to respond to my good faith attempts to resolve this. At this point, Citi is charging me late fees for not paying my " minimums '' ( again, near50 % of my total card balance ) and are now threatening to report me as delinquent to Credit bureaus despite my multiple good faith attempts to contact them to indicate that is is not an unwillingness to pay my debt, but rather that I can not make that exorbitant and inflated minimum payment at this time. They have treated me with nothing but contempt.

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 2023-09-22
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Since XXXX, 2022 I have sent to MIDLAND CREDIT MANAGEMENT, a request to validate account # XXXX and show me proof of ownership. They have failed all this time to send the required documentation to prove that this account is mine. As per the DFCPA, MIDLAND CREDIT MANAGEMENT must prove that this acct is mine showing any existing contract or application signed by me with my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
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 need you to attend the following shown items in this letter which contains date taken directly from my credit report which you have provided. 

XXXX XXXX Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C. # 1681 ET SEQ. Section 604 of Fair Credit Reporting Act.

Once you have fulfilled my request, mail me an updated credit report reflecting these changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
I filed a dispute with XXXX for late payments that were promised to be removed by capital one due to hardship during the pandemic. Within a few days Capital one reported a balance of my credit card prematurely causing a significant drop in my credit score. My statement comes out every XXXX of every month and had already been reported for XXXX XXXX XXXX XXXX XXXX statement has yet to be due yet I have a second reporting after the XX/XX/XXXX statement has already updated. Please remove this inaccurate report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: MARINER FINANCE, LLC
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
Loan discharged in bankruptcy chapter XXXX, Bankruptcy XXXX XXXX XXXX Kentucky. Despite company being directly contacted by the court, as well as their attorney, and later contacting the company myself a second time, they have failed to remove a civil suit from the XXXX XXXX XXXX XXXX. This seems to be a continuing effort to intimidate and harrass as this suit is a public record. They are thumbing their nose at the Federal Court. Additionally it can be considered a continuing attempt to collect a debt which has been discharged on XX/XX/XXXX. 

This is my second complaint against this business. The first was caused by falsly accusing me of providing an nsf check which they then attributed to a mistake and not coercion. 

This business needs to be investigated for their practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Paramount Recovery Systems, L.P.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a call from Paramount Recovery regarding a possible medical debt. I asked the rep on the phone if they could provide a debt verification letter. The woman refused and put a supervisor on the phone, who then asked how I was paying to resolve the debt today. I then asked again if I could please have a debt verification letter sent to me via paper mail and was told that is not possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Resurgent Capital Services L.P.
State: MO
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Received a call from XXXX stating that I needed to contact XXXX LVNV Funding because they were suing me. I called them on XX/XX/XXXX at XXXXXXXX XXXX XXXX I asked what this was about and was told that it was from XX/XX/XXXX and I had refused to pay a bill. I had to ask several times who and what this was for. He told me I knew and I stated I had nothing on credit file in reference to this. I was told I did not know anything about credit. I asked if they were filing a suit in XXXX XXXX court and kept being told they were going to take money from my bank and work. Then he called me a maggot several times and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My Chase XXXX feature is restricted on XX/XX/2023 Chase told me someone reported a fraud on the payment they sent me and they did not provided any another information like who reported the fraud but all the money i received it's legit, none of them it's fraud, because all the money i received are either through friends/family And after I found out my XXXX features got restricted, I tried to call XXXX and XXXX told me to called Chase, Chase told me to called XXXX and tell them I checked with my bank, the blocked its placed on XXXX network and XXXX told me they only partner with chase, and they can only see my phone number XXXX or email address is restricted and its linked with my chase bank and chase it's only one who can removed restriction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: NY
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 have 4 hard inquiries on my report that were said to be pre approved offers from XXXX and will not be considered hard pulls on my credit report. Upon being declined the inquiries were hard pulls on my report therefore false advertising on XXXX. I will like these inquiries removed thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-15
Company: MOHELA
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't Navient sued by Cfpb before for not applying payments to consumers accounts correctly?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have a security freeze on my account at Equifax. I had to lift it so that a bank could view some information. The online system did not work. I called XXXX and went through all of their security questions ( name, dob, address, ssn, and information about my credit file ) and added the freeze for a few days. The bank then advised me that they needed both my husband and I to come in while they checked the file. We can only do this on Saturday, so I tried to log into the Equifax system to extend the credit freeze. I kept getting directed to a " page not found '' error. 

I called Equifax XXXX XX/XX/10 and spoke with a representative who went through the same security questions again ( which require me opening several different systems to get the info they requested. ) They did not accept my correct answers and told me I needed to send in information in writing. I asked for a supervisor. The " supervisor '' told me that they could no longer see my credit file and that they would try to help me fix the online problem. They were unable to fix the problem. They then said they would " try '' to access my credit information again. Imagine that - they could! I gave them the same answers to the same questions and magically the answers were correct this time. They had no answer as to why the answers were not correct with the previous rep. I then asked them to help me fix the issue with the online access so that I could manage my credit freeze myself in the future. They told me the system must be having an update and to try again another time. What a waste of time and aggravation. 45 minutes of my life for this nonsense. These agencies have way too much power over people to provide poor service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: EQUIFAX, INC.
State: NJ
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:
This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please remove these accounts ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint with the FTC. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

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 2021-04-16
Company: Square Inc
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2021 cash had saying sent a payment of XXXX to cash app that i never received. called back they advised me contact you due to it being a third party. i'm so confused cause there are no funds on my cash app card nor sent to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: CA
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 have carefully reviewed my credit report in Equifax. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17
Company: Better Mortgage, Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Dear CFPB, Please help! To put it candidly, I feel like I'm in a real life nightmare. I've been working with Better Mortgage on a mortgage application ; however, they have not been able to get anything right. They are either fraudulent or grossly incompetent/negligent. I will be filing a detailed report in the near future including all communications with the company and the misconduct. In the meantime, I'm wondering if there is any steps the CFPB can take to help get this loan closed. Most recently, Better Mortgage is refusing to provide a closing disclosure that has correct numbers on it. I provided them with the errors that needed to be fixed on the closing disclosure, but rather than just fixing the errors, they are insisting that I sign an erroneous document. The text of my most recent email ( sent on Friday evening XX/XX/21 ) to the company is as follows : I hope you are aware of the implications of trying to force me to sign an erroneous closing disclosure. You are in violation of multiple regulations both at the federal and state ( XXXX XXXX PA XXXX ) levels by even suggesting such. I see no indication that you have any intention of providing a closing disclosure that has correct numbers on it. The fact that these specific errors were brought to your intention but you refuse to provide a corrected document may even be criminal behavior. Based on an initial assessment, it's fraud. 

Throughout this process, Better has fabricated their own " rules '' contrary to what is stated in the federal regulations. When I pointed out that Better is incorrect based on what is stated in the regulations, you simply fabricated another " rule '' to try to cover the lie. For anything I disagreed with, I provided you with regulatory citations indicating the actual requirements. When I asked you to provide regulatory references to your bogus claims, you were unable to do so. I provided you with the EXACT errors on the closing disclosure that needed to be changed. This should have taken all of ~ 20 minutes. A period of days have elapsed since I provided you with these errors. Instead of just making the corrections, you wrote email after email pressuring me to sign a falsified document. 

As XXXX just brought you in on this application, I want to make sure we're both clear on the events taking place. If you have any intention of salvaging this deal, I urge you to make the corrections to the closing disclosure immediately. If you fail to do so, I'll take that as confirmation that it was your intention all along to mislead the consumer and that you never were willing to provide the services quoted at the quoted price. I will be filing reports to all appropriate agencies with jurisdiction for any and all regulations, rules, statutes, or laws that you have violated throughout this process, which are numerous.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: Bread Financial Holdings, Inc.
State: NY
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 was using my Wayfair card for many years, linked with Comenity Bank, and made purchases and payments electronically. In the midst of covid and selling our home and moving, Wayfair changed their bank to XXXX. On XX/XX/XXXX, I made an electronic payment to Wayfair ( Comenity ) of {$3000.00}. I closed my Wayfair ( Comenity ) account and opened a Wayfair XXXX XXXX XXXX account. I called XXXX and asked why I was not credited the XX/XX/XXXX payment. After I provided a copy of the XXXX XXXX XXXX XXXX, XXXX issued the credit. XXXX 's own Account XXXX, Closing Date XX/XX/XXXX, reflected the XXXX payment. Now, after all the money I have spent at Wayfair for our new home, my customer loyalty means nothing as the current Statement from Wayfair ( XXXX XXXX, closing date XX/XX/XXXX, has a balance of {$4000.00}. It isn't so. 
My Husband is XXXX and I am XXXX so the stress of this back and forth is not helpful. Thank you for helping.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: Resurgent Capital Services L.P.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
LVNV Funding Inc was sent a cease and desist letter in XX/XX/2023 and was notified of these accounts arising from identity theft. A report from the FTC was generated and submitted. LVNV still wrongfully attempted to collect this debt and is acting as a third party of which there is no original contract with. 
LVNV and XXXX XXXX XXXX XXXX .wrongfully debited {$1500.00} from a bank account that was not authorized this amount. There was also in fact a payment plan in place in which XXXX XXXX XXXXXXXX XXXX  wrongfully debited an amount that was NOT authorized. These are in fact unfair debt collecting acts and go against the FCRA laws. See attachments of identity theft form and cease and desist dispute letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: TRANSWORLD SYSTEMS INC
State: VT
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a bill from XXXX XXXX XXXX XXXX XXXX for itemized charges of two appointments that were not sent to medical insurance. I was an employee working at XXXX XXXX XXXX XXXX XXXX at the time of the charges. The first charge was for a covid-19 shot that was provided to every employee during an employee vaccination clinic which was free of charge to employees. XXXX XXXX XXXX XXXX XXXX billed me for this vaccine. The second set of charges were for a medical appointment which I received an itemized bill for provider visit and urinalysis. Based on the medical insurance, I should only have been charged for a copay but instead received an itemized bill where the company is trying to collect more than what is actually owed to them. I attempt to contact their billing department via phone multiple times and left multiple voicemails asking them to please bill my insurance before I would pay the bill, but I didnt receive any calls back. I sent XXXX XXXX XXXX a check for {$20.00} for copay, which XXXX XXXX XXXX did cash. They subsequently have sent the remaining bill with the incorrect charges to two different collection agencies. I just received the letter form the second collections agency yesterday. I had sent a letter to the first collections agency asking for verification of the debt and to provide proof that the insurance was billed, but they were not able to provide this information and instead sent me another copy of the incorrect itemized bill. The debt should be satisfied by the {$20.00} check for copay that XXXX XXXX XXXX cashed. The insurance copay covers the provider visits and urinalysis test done. I do not owe a debt for the covid-19 vaccine because I was an employee working at the XXXX XXXX XXXX at the time that I received the vaccine at one of the XXXX XXXX XXXX internal employee vaccine clinics. My medical insurance was on file with the company I properly checked in with their front desk staff.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: LEXISNEXIS
State: IL
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:
I have been a victim of identity theft and no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the listed account Bankruptcy XXXX  XXXX Date Filed/Reported : XX/XX/XXXX  Reference # : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: EQUIFAX, INC.
State: NJ
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 had inquiries I didn't recognize on my report when I called Equifax they didn't pick up and when I finally get through I got passed around ... no one at equifax wants to take has helped. I have sent in an identity theft report and Police report and nothing was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I kindly request that you promptly update my account with the correct and accurate information. Your timely action in rectifying this matter is greatly appreciated.

Company response to consumer: Closed with explanation