BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-18
Company: CITIBANK, N.A.
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Citibank sent me a letter in approximately XX/XX/2021 saying that I had to answer a series of invasive and personal questions about my assets and liabilities that had nothing to do with my Citibank accounts, in order to follow Federal Law. They threatened to block my accounts- checking accounts I have had with them with zero issues for 20 years- if I did not comply. On XX/XX/2021 I had a long and extensive conversation with a Citibank representative answering all of their questions, even though I didn't think any of it was any of their business. There was one question I couldn't answer - they asked for the details of a specific transfer I'd received from another bank account of mine, but they didn't have the date of the transfer, only the amount, so I didn't know what it was for. They said if they still needed that information after reviewing the case they would call back with the date of the transfer so I could explain it, but if I didn't hear back to assume everything was complete. I never heard anything again. I received no further communication from them - not by mail, email, or phone- on this issue. And then on XX/XX/XXXX I discovered that my accounts had been completely blocked. WITH NO WARNING I was cut off from all of my funds. I called immediately and was forced to answer additional questions before they would remove the block two hours later. The block is now removed, and I will be closing my Citibank account, but this was a completely egregious mistake and I want this complaint filed so that if other people also experience this some action can be taken.

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 2017-11-15
Company: Medical Data Systems, Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was on XXXX XXXX orders at the time since I am in the XXXX reserves. Ive told them multiple times. Not only that I have been getting texts from a friend saying they contacted him about me as well. I have no idea how they got his info. I have never given his phone number out to anybody. They havent called before XXXX or after XXXX but they are cutting it very close.

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 2022-10-04
Company: Experian Information Solutions Inc.
State: NC
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 XXXX act XXXX XXXX XXXX XXXX Account number XXXX, has violated my rights. 


15 U.S.C 1681 Section 602 A. States I have the right to privacy.

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

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 2022-10-09
Company: Experian Information Solutions Inc.
State: OH
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:
On Experien, XXXX, and XXXX XXXX, theyre reporting my student loans from XXXX XXXX as late which is untrue. I sent several letters stating that there should not be late payments and they refused to update their records. This was sent in XX/XX/2022.

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 2021-10-18
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
As an owner on the subject property 's title, I have been making mortgage payments to Rushmore, and the company had been accepting payments. Payment processing issues began on XXXX XXXX, 2021, when I called Rushmore ( XXXX ) to make XX/XX/XXXX2021 mortgage payment over the phone according to the amount due ( {$1600.00} ) on mortgage statement dated XXXX XXXX, 2021. Representative ( XXXX ) said Rushmore was not accepting any payments. On the same day, I mailed a check to Rushmore to pay for XX/XX/XXXX2021 mortgage payment ( USPS certified mail tracking # XXXX XXXX XXXX XXXX XXXX ). The mail was delivered, but the check has not been deposited by Rushmore as of XXXX XXXX, 2021. Although the loan is current, Rushmore is not accepting any payment, intentionally causing the loan to be delinquent, forcing the loan to go in default then subsequently foreclose the subject property.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: MARINER FINANCE, LLC
State: IL
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:
XXXX sent me an email of the update they did to my Mariner Finance account after I filed a dispute because they had not closed the most recent loan that I refinanced and updated all. Now they are showing incorrect information on the old account they closed! They are showing me 30 days late in XXXX which is NOT correct! I refinanced the loan XX/XX/XXXX. The last payment Mariner took from my account for this loan which was refinanced was XX/XX/XXXX for {$740.00}. My payments were due on the XXXX and I made them on the due date or within the ten day grace period. So this was XXXX payment they took. My XXXX payment then fell due at the end of XXXX on the XXXX at which time I called to refinance because something came up and needed extra money. It took them several days to get back to me and to set up the refinance and we completed it on XX/XX/XXXX which is NOT 30 days past my due date of XX/XX/XXXX, but 16 days past my due date! I want this 30 day late removed from all three credit reports for this Mariner loan # XXXX which was the loan I just refinanced on XX/XX/XXXX to my new loan!! Why can't Mariner or XXXX be ACCURATE??? I also am sick and tired of trying five times to file my dispute, finishing the whole process then XXXX online dispute system saying something went wrong try again, this is deliberate retaliation for my contacting your office and they need to be fined for it!!! I want them to also contact XXXX and XXXX to update and correct this too!!!! And they also had a wrong old address XXXX XXXX XXXX listed for me, remove it, and my fathers phone number XXXX listed as one of my numbers, remove it, And my same name listed as an alias three times, remove them, And my employer the XXXX XXXX XXXX XXXX XXXX XXXX XXXX listed four times, remove the duplicates!!!!! I want all corrected and all updated with all bureaus then I want a clean paper copy of my full corrected reports mailed to me from all three credit reporting agencies MAILED, not emailed!!!!! XXXX, incompetent people, they should be fired!!!! Shut these credit reporting agencies DOWN they do nothing but XXXX XXXX  everyone 's personal information, allow it to get compromised which is why there is so much identity theft in this country and try to make people look bad financially, they have no use or purpose, no value whatsoever!!! Millions of people like myself are having hours of our time wasted on correcting their XXXX  mistakes and the same goes for the finance companies, banks and businesses who are just as incompetent and can not report all correctly!!!! If I did my job the way they do I would be fired!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company constantly calls both numbers, speaks very harshly. Very rude and constantly calls from spoofed numbers. There tactic is to attack they are not trying to help you and the company is a bully.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out the loan in late 2019 ( XXXX ) in the amount of {$800.00}. Since then I have paid {$190.00} every two weeks for a total of over {$2300.00} to this lender and now I find out that I will have a balloon payment of {$900.00} at the end of the term. I was not informed of this at the time of origination of the loan and would not have agreed to this. I have more than paid back the money borrowed, several times over and ask to be released from this debt immediately. This type of predatory lending is unethical and should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: EQUIFAX, INC.
State: WA
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:
Contacted Equifax and started a complaint there customer rep.I could hardly understand with his broken english in what ever country I was transferred to. I still file a complaint regarding account balances on my credit are incorrect.

1.XXXX/XXXX XXXX XXXX XXXX XXXX, OH XXXX - credit card balance showing {$360.00} paid off on XX/XX/52021 2.XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX - credit card balance showing {$270.00} paid off XX/XX/42021 3.XXXX XXXX XXXX balance should be {$150.00} owning

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX offered a special of receiving {$25.00} dollars if open a credit card account. Since I order quite frequently from XXXX I felt comfortable with doing this ... .I ordered my items, utilizing the {$25.00} toward purchase at the time ( This was in XX/XX/2018 ). The balance was then place on the card. I never received a bill for this until there was a late fee showing. I immediately made a call to Customer Service XXXX XXXX at XXXXXXXX ( as well as going to the website ) - website did not provide any access, after several diligent phone calls, I finally was able to speak with a representative ( he was not helpful, requested my social security number and I was not comfortable with providing this to him over the phone-by now feeling " scammed '' ). I requested a bill to be sent to my address, sometime on late date (? ) I received bill and made payment for the merchandise I purchased and did not pay the late fees ( which were accumulating due to XXXXXXXX XXXX lack of efficiency. I continue to receive bills with increasing late fees ( I have requested in writing to be provided a statement with anything owed ( a break down on what the charges are ). I checked some reviews and it seems other people have also been scammed. I have excellent credit, I have thought of just paying it ... yet it doesn't seem " just '' that this company continues to scam people, very frustrated that XXXX would even be associated with this type of business. I would appreciate any support or advisement from CFPB. 
Sincerely, 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 monetary relief
Consumer complaint received 2021-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Dear complain department, I would like to complain because I have unknow accounts in my credit report. I do not know their origins and they are not mine. Please check the information about these accounts and apply the investigation on the case of identity theft. Because I assume that somebody just used my information to file these accounts. 

I am talking about these accounts below : XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-04-29
Company: EQUIFAX, INC.
State: MD
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 am a victim of identity theft and I am starting to see that someone is applying for credit in my name I just brought a house on XX/XX/XXXX and I haven't applied for anything. Also I am seeing at lease to debt collections that have been paid and was placed on my report. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX  XXXX  XX/XX/2020 XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I had XXXX account which I was using and paid on time and never reported to 3 credit bureau. It was like secured all of a sudden from no where it showing on my credit report and score was effect too! I contacted the XXXX I was told when synchrony bank take over it started reporting on credit report without customer informed or knowledge they know about it but can not help so my complain is why they playing with consumer life without letting them know and their score are on jeopardy. So my prayer is that it should remove from the credit report so that consumer can be stress free and they can get back there score up!

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 2021-10-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I was XXXX  on XX/XX/2021 and I came home XX/XX/2021 when I came home I checked my credit score and I seen it dropping drastically as I looked more into I seen that fraud was taken place on my account. I didnt know what to do so I was told to contact here.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
-Entered into debt management company XXXX XXXX XXXX on XX/XX/XXXX -Served with notice of suit on XX/XX/XXXX by XXXX XXXX XXXX XXXX . representing Capital One Bank ( USA ), N.A -The debt management company was receiving payments for the debt to Capital One and forwarding payments to Capital OneXXXX XXXX XXXX XXXX in the amount of {$85.00} -Signed a  stipulation agreement document agreeing to pay the debt through the debt management company on XX/XX/XXXX XXXX XXXX  XXXX XXXX . wanted additional funds in the amount of {$90.00} to be deducted directly from my checking account ( I complied with the request ) -XXXX XXXX XXXX XXXX XXXX agree to this agreement and then on secured a judgment with XXXX County Courthouse on XX/XX/XXXX, while receiving the payments as agreed. 

-Contacted XXXX XXXX XXXX XXXX . concerning the judgment and was basically informed that " there was nothing that they could do, oh, well. '' -The debt is now paid in full, however, there is a judgment on my credit report for a debt I had an agreement to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: CITIBANK, N.A.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX is calling my XXXX mother 's house daily, sometimes multiple times a day despite the fact that they know where I am and even have taken me to civil court. They are absolute scum.

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 2020-04-29
Company: Machol & Johannes, LLC
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
-Entered into debt management company XXXX XXXX XXXX on XX/XX/XXXX -Served with notice of suit on XX/XX/XXXX by Machol & Johannes LLC . representing XXXX  XXXX XXXX ( XXXX ), XXXX -The debt management company was receiving payments for the debt to XXXX  XXXX and forwarding payments to XXXX  XXXXMachol & Johannes LLC in the amount of {$85.00} -Signed a stipulation agreement document agreeing to pay the debt through the debt management company on XX/XX/XXXX -Machol & Johannes LLC . wanted additional funds in the amount of {$90.00} to be deducted directly from my checking account ( I complied with the request ) -Machol & Johannes LLC . agree to this agreement and then on secured a judgment with XXXX County Courthouse on XX/XX/XXXX, while receiving the payments as agreed. 

-Contacted Machol & Johannes LLC . concerning the judgment and was basically informed that " there was nothing that they could do, oh, well. '' -The debt is now paid in full, however, there is a judgment on my credit report for a debt I had an agreement to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence. To the least, they have not to be authenticated as per my requirements as you are damaging my character, creditworthiness, and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: Resurgent Capital Services L.P.
State: HI
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 find myself disputing this company every month. They are in properly reporting. On XXXX XXXX the derogatory remark was removed yet it is still present on XXXX. I explained to the company that I did not live at the address as well as my social security number was compromised on several occasions. Many purchases made I was not even present in that state. They also have an account from XXXX and I was only XXXX at the time that they are demanding payment. XX/XX/XXXX- XX/XX/XXXX I lived in XXXX   and once I left XXXX  I moved to XXXX  . I have been living in XXXX  since XXXX.

Company response to consumer: Closed with explanation