BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-19
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
CCS Collection had bypassed this essential step. They placed a collection account on my credit report without sending me the initial notice that typically includes information about the debt and the consumer 's rights. This omission robbed me of the chance to assess the claim 's validity, dispute the debt if necessary, and request validation to verify the details of the alleged debt. 

By neglecting to provide me with the opportunity to dispute or validate the debt before reporting it to the credit bureaus, CCS Collection not only impaired his creditworthiness but also, more critically, may have acted in violation of the FDCPA. The act explicitly requires debt collectors to uphold practices that respect the consumer 's rights and ensure the integrity of the debt collection process. 

I have documented my findings and prepared to engage with legal counsel to address this possible infringement of my rights. I understand that the path to rectify this might be challenging, but I also know the importance of standing up for my rights and ensuring that debt collection agencies like CCS Collection operate within the legal boundaries set by the FDCPA. 

I have also attached a cease-and-desist letter and have requested the CCS remove the account from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
XX/XX/XXXX I tried to redeem miles for an XXXX XXXX from my XXXX XXXX XXXX Account from the Reward program offered from my Citibank Mastercard that I opened around XXXX. Every dollar charged is a mile on XXXX XXXX as well as miles flown and they add up every month I charged on the Citibank Mastercard. When I called XXXX XXXX Customer Service, they said my Award Account had been compromised so they verified it was me through security questions and unlocked it and opened a new Account number and transfered my miles to the new Account # XXXX and I got my XXXX XXXX. After XXXX I didn't look at the account nor traveled and as of XX/XX/XXXX I had XXXX miles and then on XX/XX/XXXX I had only XXXX and a total STRANGER redeemed XXXX of MY MILES to purchase tickets. On XX/XX/XXXX a woman names XXXX, no last name called from XXXX Customer Service and verified if was me with security questions, and told me my account was hacked and someone stole my miles. I was DEVESTATED to say the least and she said she would help me get the miles put back and help with Filing the appropriate POLICE REPORTS. We opened a new XXXX XXXX Account # XXXX and she said she would be in touch. She never called back so I called XXXX Customer Service and they said I would not be getting the miles back. I was so upset, I asked who purchased the tickets as they know exactly who flew with the security in the XXXX today after XXXX. I said i needed those documents records from my account on flight, name, date, destination, ect, to file the police report. The man said he would send me 5 years of records from my account in 7-10 business days. It has been over a month and never got documents or any further calls from XXXX. I want to file a police report on who ever stole my miles and they know who that is and havent sent those documents to me. They will not give my miles back. I am asking for help on this please. I attached my account statements XXXX and XX/XX/XXXX and found out on XX/XX/XXXX when XXXX called me. I cant beieve they are so negligant on this issue and let someone steal my miles. I called Citibank and since no DOLLARS $ were chaged on my account they couldnt do anything and said I needed to go directly to XXXX XXXX which I did.

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 2024-01-08
Company: DIGITAL FEDERAL CREDIT UNION
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX my XXXX account was hacked and {$5000.00} were transferred to a fraudulent linked account. After contacting the Credit Union immediately they said they will reimburse the money right away until the investigation was completed. The money was never deposited. After numerous phone calls to the fraud department and hour on hold we were given the run around and we still have not received the money. They said we needed to wait 10 days, we are now at 15 days and no response from 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 2023-11-29
Company: Experian Information Solutions 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 been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into account.

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 2023-11-29
Company: Experian Information Solutions 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 have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into account.

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 2024-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I never open any credit card on my name. Never I request a credit cards.

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 2024-01-18
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Subject : Unauthorized Reporting and Harassment - Removal Request Dear Credit Collection Services, I am writing to address not only the unauthorized reporting on my credit profile but also the persistent and unwarranted harassment I have experienced from Credit Collection Services via phone on multiple occasions. This letter serves as a firm assertion that I am under no obligation to engage in any business with Credit Collection Services. 

The Fair Credit Reporting Act ( FCRA ) violations, specifically in Sections 1681b and 1681e, have been previously outlined in my correspondence. In addition to these blatant violations, I must bring to your attention the unwarranted and intrusive phone calls, constituting harassment under the Fair Debt Collection Practices Act ( FDCPA ) Section 806.

I firmly assert that I do not give permission for Credit Collection Services to contact me any longer. This includes, but is not limited to, phone calls, emails, or any other form of communication. My request for the removal of the unauthorized item from my credit report does not obligate me to endure continued harassment.

Upon the successful deletion of this unauthorized item from my consumer profile, I explicitly state that Credit Collection Services may no longer furnish or provide information to third parties regarding any details related to me or my consumer report. This extends to any data collected during the unauthorized reporting period. 

I expect Credit Collection Services to respect my rights and promptly cease all forms of communication. Failure to do so will be considered a violation of both federal and state laws, leading to potential legal consequences. 

Please provide written confirmation that my request for the removal of the unauthorized item has been actioned and that Credit Collection Services acknowledges the cessation of all communication. 

Done in good faith.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I've had a year-long wrestling match with Wells Fargo about a business savings account. 

The accounts I opened for The XXXX XXXX XXXX in XXXX are : XXXX XXXX The prior accounts for the same LLC opened in XXXX are : XXXX Last week, Wells Fargo informed me that the XXXX accounts were opened correctly -- not requiring signatory from The XXXX XXXX XXXX, XXXX XXXX member of the XXXX. 

They informed me that the XXXXXXXX  accounts were opened incorrectly -- and did NOT require signatory from The XXXX XXXX XXXXXXXX XXXX XXXX member of the XXXX. 

Throughout XXXX, I was informed by prior Wells Fargo reps it's the law Wells Fargo get signatory from members who hold more than XXXX XXXX 

I need copies of the law which prove what they're claiming is legally accurate.

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 2024-01-12
Company: CITIBANK, N.A.
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I mailed in a 3rd party check to pay down my credit card ( Macy 's Amex/CBNA ) in the amount of {$10000.00} on XX/XX/XXXX. I received an email on XX/XX/XXXX 'Confirming your Billing Dispute '. I did not create a billing dispute so I called and spoke with someone who kept claiming I had created the dispute. I escalated to a " supervisor '' who told me the dispute was created in their back office but she was not sure why and that they shouldn't have used the wording. The dispute created stated the following : Mailed Payment is Missing, amount {$10000.00}. I had not called to let them know of the payment and had not checked to see if the check had cleared my account prior to this dispute being made. The person I spoke with said that they would look into it and for me to give it a couple days and then call back. Which I did on the XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX. All calls that resulted in the same thing, they didn't know anything about the payment and could not tell me why the dispute was created. On XX/XX/XXXX I spoke with another " supervisor '' who advised that she would send a letter to their back line team to find out why they created the dispute and they would have 5-7 business days to respond. I called the third party who wrote the check and the check cleared on XX/XX/XXXX. I had to make a payment on XX/XX/XXXX in the amount of {$380.00} as to not incur a late fee, a payment that was on the total amount of the bill even though I had already made a {$10000.00} payment that they have somehow misplaced. As of today XX/XX/XXXX, the payment is still not showing applied in my account but I verified that the check did clear on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-11
Company: CREDIT ACCEPTANCE CORPORATION
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid off credit acceptance in XXXX of XXXX, the car was repossessed in XXXX. I checked my credit report and it now shows that my account is paid in full but they reported a new repossession as of XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11
Company: Ability Recovery Services, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a debt collector reported in my experian account ( ABILITY RECOVERY SERVIce ). It says that that original creditor is XXXX XXXX XXXX XXXX XXXXXXXX with the amount of {$1100.00}. I have never heard of this LLC before nor ever borrowed money from XXXXhe said LLC. I had to idea a creditor was even there until I checked my experian account. Last year my personal information was exposed by a person who posed to be a job recruiter which I reported to ID.me since they use that website to verify my information. It couldve been a result of this.

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 2024-01-11
Company: CREDIT ACCEPTANCE CORPORATION
State: LA
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 recently reviewed my Consumer Report where I discovered that ( CREDIT ACPT ) date opened ( XXXX ) a loan installment account was notated as a ( CHARGE OFF/COLLECTIONS/ REPOSSESION ) on my profile. It was never disclosed to me upon our initial agreement that I had the right to opt out or opt into sharing my privacy with a third party. In pursuant to title 15 U.S.C. 1681b ( 2 ) any information communicated or notated on my consumer report should be based on my written instructions. In pursuant to title 15 U.S.C. 1681c ( 4 ) No CHARGE OFF/COLLECTIONS should be notated on a consumer report without written consent and an adequate notice antedating 7 years.

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 2024-01-11
Company: CORELOGIC INC
State: GA
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:
The three major credit bureaus are contacting this company to verify an alledged debt. The third party is not verifying the debt, only personal information that verify the identity or a possible match of address, phone number, etc. This method is by no way verifying a debt. There has been no contract of any kind with my signature, name or stating that I have done business with the debtors.

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 2024-01-11
Company: CORELOGIC INC
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I understand that it is my right to obtain a copy of my credit report, under the Fair Credit Reporting Act. I am requesting a copy of my CoreLogic Credco consumer credit report sent to me via mail.

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 2024-01-16
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
In XXXX, my husband and I endured financial hardship after he endured XXXX for 8 months. 
I applied for a harship and was approved, I was constantly assured that this would include XXXX  payment. 
The documents were sent for signature and it clearly included XXXX payment. They were signed and returned showing this was a forbearance. 
They then went in and placed a 30 day late on the XXXX payment which is totally incorrect. They have done nothing but give me the run around for a week trying to resolve it. During which time other creditors have lowered my credit limits which is affecting my score even more. Every time I call it is someone different with their own interpretation of the situation.A forbearance agreement claims to show no negative or derogatory information during the period of time.

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 2023-11-29
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to bring to your attention a matter of significant concern regarding the inconsistent reporting of fraudulent accounts on my credit report. Upon reviewing my credit report, I have observed that the status of these accounts changes every month, indicating a potential glitch or error in the reporting process. This inconsistency is not only confusing but also damaging to my credit record. 
XXXX XXXX - XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable XXXXXXXX XXXX XXXX XXXXXXXX .... - XXXX  have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable I have taken the necessary steps to dispute these fraudulent accounts as they are inaccurately reflected on my credit report. However, the constant change in status every month raises suspicion that there might be a technical issue or glitch within your reporting system. 
It is crucial to understand that this inconsistency is not only impacting my credit score but also creating an environment of uncertainty and confusion. I strongly believe that the fluctuating status of these accounts is indicative of a system error rather than an accurate representation of my credit history.

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 2023-11-29
Company: Experian Information Solutions Inc.
State: TX
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed : {$730.00}XX/XX/XXXXXXXX Balance Owed : {$6200.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX Balance Owed : {$3700.00} XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXXXXXX Balance XXXX : {$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 2024-01-18
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Please refer to Case # XXXX. I received a response about the {$1000.00} bonus. It stated that I met the terms and conditions of the bonus and that the {$1000.00} bonus would be paid by XX/XX/XXXX. It still has not been paid. I attached Citibank 's response dated XX/XX/XXXX that I would get the {$1000.00} bonus by XX/XX/XXXX. Please escalate this.

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 2023-11-21
Company: Professional Debt Mediation, Inc.
State: NC
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was living at XXXX XXXX XXXX XXXX and gave notice I was moving out. I applied for and was awarded 3 months of rental assistance due to COVID-19 relief funds. I paid my first payment and was told they would not cash my second check because they needed a written letter from the state of Florida stating I could use the funds for my end of lease charges. That they required written consent to use the funds for anything other than rent charges. I don't believe this is a rule as Our Florida and COVID-19 just started the relief program. I advised the only thing I had was a number to call and I did twice, and two times they advised I could use the funds for any charges on my account with XXXX  at XXXX XXXX. I advised the property manager this and she would still not take the check already addressed to the apartment complex. I attempted to contact corporate who did nothing. I attempted payment again and it was sent back to me. I attempted until the check expired. The property manager was being very uncooperative and knew there was no one who would write a letter stating the check was valid. She also would not contact anyone on her or my behalf to verify either. She knew exactly what she was doing.

Company response to consumer: Closed with explanation