BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-21
Company: CITIBANK, N.A.
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
So i paid off this account and after i paid if off, i notice that i received a bill the following month. This is when i noticed that i had paid off all of these charges that were never approved/authorized by me. It was the same company XXXX XXXX, XXXX XXXX, CA. I paid for a one time purchase for my daughter with this company. It was a charge of {$29.00}. A one time charge. After i paid this credit card off, i realized that i had paid off a total of like {$700.00}, of unauthorized charges by this same company, XXXX XXXX, in XXXX XXXX, CA. I called the credit card company, told them that i had never authorized all of these {$99.00} dollar charges to my account. I filled out all the paperwork that was sent over to me. Well this has been since XX/XX/2019. They closed that account, so vendor couldn't continue to charge me. They issued me a new credit card, but now decided to re-charge me for fee over again. At this point, i just want my refund. I was disputing the charges, but for them to charge me double why? This isn't fair to me the consumer. I already paid off these un authorized charges. I need a refund ASAP. IF i owed Citi, they would be pounding on my door. I'm so mentally exhausted over this issue. I have call maybe like thirty time. Every time, it's like an hour on the phone. Also their representative are so hard to understand, they don't speak clear enough English. I'm super tired of dealing with this issue, i need my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-31
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
WE are the victims of sammer targetted at elderly. someone using my XXXX XXXX account from XXXX  and fake farudulent manager from XXXX sends a refund check for more than the purchase price ( approx. XXXX and asks me to give them the difference on a gift card. ( That check, by the way, will turn out to be fake. ) and wire trafer to the XXXX bank branch in XXXX.ON XXXX we purchased {$5000.00} and on XXXX we wired transferred {$14000.00} into XXXX Bank account XXXX in XXXX. THe beneficiary is the person by the name of XXXX XXXX. On XXXX we report fraud to Wellsfargo bank in XXXX XXXX ( XXXX ) and the bank notified the wire transfer department to put the recall of the wire tranfer ( transation # 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 2021-12-15
Company: Experian Information Solutions 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:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

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 2018-03-07
Company: Ditech Financial LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I need my mortgage modified so I can have a lower payment and based on my income. I requested from my mortgage company Ditech XXXX XXXX a mortgage modification and submitted my financials several times. They said to me I've had several modification which is not true. 
I have not received a modification in the mail. I'm elderly and I don't want to loose my home. I also take care of my XXXX sister.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: CCS Financial Services, Inc.
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is reporting inaccuracies to the credit agencies. This account is not mine, I have asked for proof THIRTY ( 30 ) days ago, original documents, validation, & they have sent none and it is hurting my credit worthiness. I also have my receipt from my certified letter that I sent over a month ago And received nothing which is a direct violation of FCRA 609. I am under dire stress due to the global pandemic covid19 and this situation is not making it any better.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 was trying to buy a house and all of these negative items appears on my credit report. According to the laws 15 U.S.C 1681 law damage on my report. Remove all fraudulent account immediately. This is a defamation of creator. This for Tran Union, 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 non-monetary relief
Consumer complaint received 2022-01-16
Company: Nelnet, Inc.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I received a Federal Student Loan from XXXX, upon graduation XXXX XXXX was the servicer on the Loan. As of XX/XX/XXXX my loan was transferred to Nelnet. My payments with XXXX XXXX were {$770.00} at a 6.9 % interest rate. Upon transfer my loan payments are {$800.00} with a 7.125 % interest rate. I was trying to seek information regarding the interest rate increase, in addition to payment and account history since XXXX. Nelnet told me to contact XXXX XXXX, XXXX XXXX told me to contact Nelnet. In the meantime, neither company has account history for the last eleven years, nor can they provide me with answers regarding the interest rate increase. I would like access to all of my loan documents, signed agreements, payment history, etc in addition to an answer as to why the interest rate increased.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: EQUIFAX, INC.
State: GA
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: Investigation took more than 30 days

Complaint:
I sent a letter to XXXX XXXX  and the major CRA 's last month, disputing the payment history and I got letter saying it had been verified, but the letter didn't prove the means.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01
Company: Friedman & Associates, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I am responding to your business reporting a debt you are trying to collect. You reported on all three credit bureaus XXXX, XXXX as well as XXXX by postal mail, on XX/XX/2023, and identified the debt as verified debt owed. Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 
If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 
Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 
If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. 
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was. 
If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 
If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. 
If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. 
Tell me when the creditor claims this debt became due and when it became delinquent. 
Identify the date of the last payment made on this account. 
Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21
Company: EQUIFAX, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
Sometime in XX/XX/2019 I made the mortgage payment through XXXX 's website. The next time I signed in to pay my XXXX payment, I received a prompt that my mortgage was going into foreclosure. I called them immediately and they said I had not made XXXX 's payment. I checked my bank statements and realized the money was never transferred. I made the payment immediately and made both XXXX and XXXX payment. My credit score has dropped over 100 points because of this. I made multiple attempts to get this resolved. 

In addition, on my Equifax report it states I was late in XXXX and XXXX of 2019. I called XXXX about this and they said there were no late payments in XXXX or XXXX on my records. I asked them if can they provide proof of my on time payments so I can clear it with Equifax. They said they will not send me anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21
Company: Island Finance Puerto Rico
State: PR
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 COMPANY NAME ISLAND FINANCE {$2800.00} OPEN ON XX/XX/XXXX OBTAIN BY SOMEONE WHO STOLEN MY IDENTITY OBTAIN LOANS, FRAUD ACCOUNT COMPANY NAME " XXXX : OPEN XX/XX/XXXX {$2000.00} PR XXXX XXXX XXXX OPEN XX/XX/XXXX {$180.00}

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 2019-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Investigation took more than 30 days

Complaint:
I sent a letter to XXXX XXXX and the major CRA 's last month, disputing the payment history and I got letter saying it had been verified, but the letter didn't prove the means.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: CNG FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
A number called me and left voicemails stating they were trying to contact me in regards to a parcel that could not be delivered. I called back today, XX/XX/23 and the lady states she was XXXX XXXX from XXXXXXXX XXXXs ( XXXX ) and that she was trying to contact me regarding an old payday loan with check n go. I stated that I paid off my debt in full with them and have the paid in full letter. I also stated that I contacted check n go after paying the debt collection company off and they stated I had no active accounts. XXXX XXXX told me that if I did not pay the amount today XX/XX/23 by XXXX I would get XXXX felony charges filed against me with my county. I again called check n go and spoke to their collections department who told me that it sounded like a scam and to request a debt validation letter. When calling XXXX XXXX back requesting a debt validation letter XXXX stated that it would be too late to send one and that charges would already be filed, she stated they sent one to my email and home address in the past, which I did not receive anything from them. I then knew it had to be a scam. Very scary that they had my home address, email and name and threatened to file felony charges against me and that I would have to go in front of a judge.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: EQUIFAX, INC.
State: DE
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:
XXXX XXXX sold debt to XXXX XXXX/XXXX XXXX who was paid XX/XX/2018. XXXX XXXX is still reporting an outstanding balance which is impacting our attempt to obtain a mortgage. Equifax and XXXX will not update our credit report with the document we received matching the credit account in question showing there is no longer a balance. We attempted to outreach XXXX XXXX to obtain a letter as that is what the credit bureaus are requesting and XXXX XXXX refused to provide a letter or update the credit bureau information when speaking with them XX/XX/18. We have paid this debt, and find it extremely unfair they are reporting a past due balance. XXXX XXXX is claiming since they sold the debt, they are not obligated to update the information. However, that debt is paid so its technically NOT outstanding if they sold it, as selling it means they received a payment from the collector, and we paid the new debt owner. Therefore, all parties received money. I am not disputing the payment pattern that showed there are late payments with XXXX XXXX, solely that they are reporting an outstanding balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: Michael & Associates, PC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a mailed letter and then an email from XXXXXXXXXXXX stating that he was an attorney for a law firm called Michael & Associates : Michael & Associates , PC ATTORNEYS AT LAW XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Ca. XXXX Tel : ( XXXX ) XXXX Fax : ( XXXX ) XXXX They claimed that my credit card, XXXX XXXX had retained their services to collect a debt but were authorized to negotiate a settlement amount. After a few email exchanges resulting in them threatening a law suit, I started to become suspicious. 

I contacted XXXX, and they indeed had retained an agency to help them collect my debt, but that agency was called XXXX XXXX XXXX XXXX XXXX Their address was the same building as Michael and Associates, but a different suite number. 

When I told XXXX at Michael and Associates that I believed that he was illegitimate, he did not respond. So I am bringing this to your attention now. I have attached a transcript of our email exchange. 

- XXXX XXXX *XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Daily phone call harassments from " Portfolio Recovery '' on my cell phone. I have never given them permission to call my cell number and I am registered on the do not call list. They never leave a message and call from a different number and location from all over the country every day typically at the exact same time in the afternoon. I have no outstanding debt on my credit report and have a credit score of XXXX. I do not owe anyone any money, have never received any written notification of debt in the mail. This is a robocalling scam and I want it to stop immediately. If they have a legitimate debt issue to resolve in my name- send me a letter and I will address it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Recived a XXXX  payment from a third party. 

Sender reported transactions afterward intentionally, tried ton dispute with bank but have been denied by several banker and managers, have several evidences to support case but have been denied and discriminated. 

They stated that account will only be hold, investigated and closed without any further explanation on why and how to amend or dispute/ or show evidences of case. 

Have a consistent case from my side.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: CREDIT ACCEPTANCE CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I need to see the purchase agreement contract or bill of sale that was created between Credit Acceptance and XXXX XXXX Sales.. the retail installment contract is not the only contract. There was also one between Credit Acceptance and The car dealership XXXX XXXX XXXX that I have a right to see as a consumer. Please send to my email XXXX. 

Also why was I not notified of my right to rescission per 15 US Code 1635

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This Debt is tied to collection or lease agreement on a joint account that I have no knowledge of. My information was falsely used during this time period as I stated with XXXX and its on-going Data Breach Settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Sensible Auto Lending, LLC
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore and such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This is the third letter I have sent to your company about unauthorized inquiries that have been made. and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports. These inquiries seem to be the result of several attempts to fraudulently open accounts. I have asked repeat to delete those inquiries. I did not initiate any of these inquires furthermore if you feel like I did please have the Transunion, XXXX and XXXX to delete them. As I plan on seeking civil liabilities if not removed ASAP.

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