BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-12
Company: EQUIFAX, INC.
State: TN
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:
I have tried disputing with these companies regarding my accounts. They don't wan na get them off. Can't get a house or car. Need help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: Dovenmuehle Mortgage, Inc.
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
DOVENMUEHLE is not sending the loan modification to the chapter XXXX trustee XXXX XXXX in XXXX colorado. I attached a copy of the loan modification and payment statement my next payment is not until XXXX of XXXX There costing me XXXX a month. XXXX Dovenmuehle knows by federal law they should have sent the loan modification to the federal bankruptcy courts in 30 day 's the loan modification was done in XXXX of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: CITIBANK, N.A.
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I last used my Citi Prestige card for a bona fide purchase in XXXX. I was charged my annual fee in XX/XX/XXXX. 
Upon realizing I hadn't used the card in over a year, in XX/XX/XXXX, I attempted to call Citibank to close my card prior to the annual membership fee being charged. I was informed this would happen. 
In late XX/XX/XXXX, upon receiving a debt collections call, I paid the balance in full in the interest of settling my account, though the representative informed me that it would be refunded after the fact, and my account would be closed. 
In XX/XX/XXXX, I received an email from Citibank indicating that I had a balance due, which I again thought was strange, as I'd attempted to close the card 13 and 11 months prior to that. I called and attempted to cancel, but was told it wasn't necessary to make a payment at that time because the bill was not due yet, and my annual membership fee would be refunded. 
On XX/XX/XXXX, I received another debt collections call because my account was past due. I explained the past history to the representative, agreed to make a minimum payment to avoid any additional fees, and was informed my account would be closed and the annual membership fee refunded. 
Today, XX/XX/XXXX, I received yet another email from Citibank indicating again that my account was past due. After numerous attempts to navigate Citibank 's automated phone system that indicated my credit card number did not exist, I finally reached a representative. This representative told me that my account had in fact been closed on XX/XX/XXXX, but that there was in fact still an account balance due. This account representative indicated that he would pass it along as some sort of referral, but that I otherwise had no recourse for Citibank 's past misleading statements. 
At this time, Citibank has fraudulently billed me for {$900.00} and wasted approximately 15 hours of my time over the course of 14 months, while also likely damaging my credit score in the process.

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 2023-08-11
Company: Westlake Services, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
My auto loan from US Auto sales was sold to Westlake. During this transfer, my warranty and gap insurance which is included in my monthly payments has been voided. Although voided, Im still required to make the same payments without coverage. Additionally, previous payments made to US Auto Sales are not being reflected. My balance current day is the same, actually higher than what it was the day I drove off the lot

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Bread Financial Holdings, 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 XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: Experian Information Solutions Inc.
State: MA
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 have a fraudulent account on my credit report, which I reported to XXXX XXXX, yet XXXX XXXX  is not removing this fraudulent account. XXXX XXXX has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet XXXX XXXX has refused to do this. The following is the fraudulent account : 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 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX Easy acceptance a critical issue concerning my recent experience with the auto loan and gap insurance coverage arranged through your dealership. 

, I purchased a vehicle from establishment and, as part of the financing arrangement, opted for gap insurance coverage. Subsequently, I encountered an unfortunate total loss incident with the vehicle. At this juncture, the role of the gap insurance policy came into play to bridge the financial gap between the outstanding auto loan balance and the actual value of the vehicle. 

I dutifully adhered to all prescribed procedures and document submissions with timeliness, culminating in the successful resolution of the auto loan through the utilization of the gap insurance coverage. I received official confirmation that the auto loan had been entirely satisfied, and it was considered closed. At that juncture, I reasonably believed that my financial obligations to your dealership had been comprehensively fulfilled. 

Regrettably, I have subsequently received communications indicating an outstanding debt amounting to several XXXX dollars purportedly owed to your dealership. This development has had a significantly adverse impact on my credit score, which is deeply disconcerting. My commitment to abiding by the stipulated terms and conditions of our agreement remains unwavering. 

I earnestly request a thorough review of your internal records with the aim of rectifying this matter forthwith. It is of paramount importance that my credit standing is not unjustifiably tarnished due to erroneous reporting by the dealership. I have attached documentary evidence, encompassing proof of my existing gap insurance coverage and comprehensive confirmation records pertaining to the loan settlement, for your reference. 

I anticipate a swift response and resolution to this issue, given its significant implications. I extend my appreciation for your prompt attention to this matter. It is crucial to acknowledge that, should this matter persist unresolved, I may be left with no alternative but to contemplate legal recourse to safeguard my rights and financial stability.

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 2022-12-20
Company: CBC Companies, Inc.
State: LA
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:
Credit Repair Info Police Report Hello as of XX/XX/XXXX I've been receiving telephone calls from debt collection agancies. I started by pulling my credit report to find out whats going on. Upon recieving a copy of my credit report from : XXXX, XXXX and XXXX I discovered multiple accounts of which i have no knowledge of. These accounts are fraudulent and I would like to report this incident. I have also notified the bureaus and was instructed retrieve my existing police report that caused this matter. I also have filed a report with the Trade Commission about this incident. I have notified : XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX about this matter and they have still continuously report these fraudulent accounts to my report. Incident Description After doing a little bit more investigating into these accounts, I discovered they were opened up shortly after my vehicle was burglarized. My vehicle was broken into along with several others. This incident happened XXXX at my previous home. My truck was parked at when it was broken into. To summarize my story, my vehicle was burglarized, my : jewelry, wallet, credit cards and laptop were stolen. Someone was able to open up fraudulent accounts because they had all my info from the burglary. The fraudulent accounts were opened up shortly after my vehicle was broken into and my items were stolen. 

PLEASE REMOVE THIS FRAUDULENT INQUIRIES IMMEDIATELY Factual Data XXXXXXXX XXXX Factual Data XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an account with Citi on XXXX XXXX with a {$50000.00} ACH transfer from an account I hold with XXXX XXXX XXXX. On approximately XXXX XXXX, I attempted to write a check against the Citi account. Citi did not honor the check. I was referred to their anti-fraud department, which said that my account had been blocked because they had been " unable to verify '' my original {$50000.00} deposit. However, that deposit had been made more than three months ago, Citi has been holding my money the entire time, and Citi has never notified me of any problem.

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 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX credit bureaus XX/XX/2022, but no answer was received. These accounts must be validated under Sections XXXX ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$990.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$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 non-monetary relief
Consumer complaint received 2023-08-12
Company: Prosper Marketplace, Inc.
State: MT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have a XXXX with Prosper. I was getting ready to make my annual trek to XXXX. I processed an electronic ACH payment from my credit union account to my credit card so I could use it. Prosper received the payment on the XXXX. Today is the XXXX and the payment still has not posted. When I called Prosper, they informed me it will take 5 business days for the payment to post. When I asked why, I could not get a straight answer other than they had to wait to ensure the funds were good. This is an electronic payment where the money was pulled from my account, processed through and electronic ACH clearing house and sent to Prosper. The money is good. When I asked to speak to a supervisor, none were available. By the time they post the payment, I'll already be back home. Their business practice is contrary to all Federal ACH laws.

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 2021-04-09
Company: EQUIFAX, 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:
I am a victim of identity theft. I never authorized, used, or benefited from these accounts or transactions in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: AMERICAN EXPRESS COMPANY
State: NV
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:
My identity was stolen due to American Express and XXXX cards sending prequalified letters to old addresses that I do not live at anymore because of this they were successful in opening a XXXX account in my name on XX/XX/XXXX and attempted to open another credit card with American Express on XX/XX/XXXX since then my credit profiles have all been frozen. Because of this I have 2 hard inquiries one from XXXX and one from American Express I do not have any active accounts with either of them and never had an account with neither of them I contacted American Express they said they couldnt do anything because I have never had an account with them. These inquiries should come off my credit report in XX/XX/XXXX and XXXX XXXX. At this time I have time sensitive applications. So I need them removed as soon as possible. After I receive some type of letter of deletion or confirmation from both XXXX  and American Express I can prove to the credit bureaus these inquiries do not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: WELLS FARGO & COMPANY
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I got sent a check that ended up being fake and fraud. The bank completely accepted the check, where I then was able to spend it and pay back the consumer of the check XXXX XXXX of the XXXX check on the XXXX XXXX XXXX The bank just now today XXXX XXXX XXXX  ) told me it was fraud and now my account is in XXXX XXXX XXXX  I had XXXX dollars of my own saved up and I am in college in debt, now with XXXX XXXX in my account. I am beyond frustrated and dont know what to do. The bank also gave me a fee since it was fake, even though i didnt know it was fake and they approved it before they disapproved it. I am not sure what to do but the fact that it got approved made me think that it was real. Since I was able to spend it I dont think that it is fair at all that all of the sudden they took back that I couldnt spend it anymore.

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 2021-01-28
Company: Amsher Collection Services, Inc.
State: PA
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:
On XXXX XXXX 2021, I got a credit alert that a company called Amsher Collection Services reported a collections account to the credit bureaus. I was concerned because I had never heard of Amsher, nor done any business with them, nor had any contact with them. I immediately filed a dispute with XXXX  to have this unknown account removed, and sent correspondence to Amsher through their website, via e-mail, and through postal mail requesting validation of the debt and an explanation of why I was not notified of it before reporting to the credit agencies. 

Amsher has yet to acknowledge my correspondence. 

They also violated the Fair Credit Reporting Act 623 ( 7 ) ( a ) by never giving me any notice of this debt, or of the furnishing of negative information before reporting it. 

This is a blatant attempt to use the filing of negative credit information as a bully tactic to get me to pay a debt that has not been validated, has not been verified, and that I had no prior knowledge of existence before it's appearance on my credit report. It's a shameful practice and should be punished.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: Westlake Services, LLC
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have had my car for about three years, my car has had many issues since I purchased the car ( XXXX XXXX XXXX ), IVE NEVER MISSED A PAYMENT, BUT I HAVE BEEN COMING OUT OF POCKET FOR MAJOR ISSUES, LIKE MY ECP CONTROL CURRENTLY, BUT IT WAS FIRST MY ELECTRONIC FUEL PUMP WHICH WAS ROUGHLY XXXX DOLLARS, BUT BEFORE THAT MY CAR WAS STOLEN N TY HEY WOULD NOT HELP ME AT ALL, I CAME OUT OF POCKET FOR THE ENTIRE FIASCO, THEY ONLY GSVE ME ONE KEY SO I HAD TO PURCHASE A NEW ONE WHICH WAS ABOUT XXXX, N THEY HUNG UP ON ME, MANU TIMES DIDNT RETURN MY PHONE CALLS, N NOW I WAS LIED TO ABOUT DEFERRING MY LAST PAYMENT, TO Try N FIX MY CAR ITS BEEN A NOGHTMARE NOW IM OUT OF TRANSPORTATION AN ON THE VERGE OF HSVING A REPO I NEED HELP N ITS RUINING MY LIFE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
This is the 3rd complaint about funds that were not issued to my checking account. One of my checks was fraudulently cashed. They first washed the check. This is a check from XX/XX/2022. The fraud team from my last complaint said that they never received a copy of the washed check. We sent it 2 times and they finally sent an email saying that they received the copy of the check. Now the branch XXXX emailed me to see if I had a carbon copy of the original check. The checks that I order from TDBank do not come with the carbon copy. They never originally asked for it and now, all of a sudden they are asking for it. They are making this a very difficult process tor a check in the amount of {$1100.00}. Please help to expedite this process XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-12
Company: Netspend Corporation
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I have no idea why I can't get a PREPAID account? I don't owe anything and if they say I do, it's not 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 explanation
Consumer complaint received 2023-08-12
Company: ENCORE CAPITAL GROUP 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:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-12
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Last year the car dealership repossessed my vehicle and I wasnt even late on my payment.. I always paid bi weekly on time. I was on XXXX at the time through my job due to a XXXX so after several months I let them no I will not be paying biweekly anymore I will be paying monthly. I made a full payment XX/XX/2023 with no late fee or anything I was in good standing. I informed the dealership I will be paying the full monthly amount in 30 days due to my income and they agreed to the changes. Two days before the payment was due I went outside to head to a doctors appointment and the car was gone. I couldnt believe my eyes. I cried all day because I couldnt understand how and why they would come repo my car and I wasnt even late. I called the dealership and they wanted to change me XXXX dollars for the tow. Another car payment and all these extra fees. I told them I couldnt afford that and I ask why would they take my care after we had an agreement on the due date. They left me with nothing except a tag to my car which was a XXXX. I was so relieved to see that other people had the same problem and it wasnt just me. Not happy to see other people going through this but knowing that I wasnt crazy nor in the wrong. Ive been through two XXXX XXXX since and mentally Ive been struggling after almost 6 months of car payments that was never late

Company response to consumer: Closed with explanation