BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-22
Company: Receivables Performance Management, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX is attempting to collect a debt that is not mine. Possibly fraudulent account I have disputed this debt which was never validated as per the guidelines of the FCRA and FDCPA. This account should not be reported until credible information is obtained such as a contract bearing my signature assuming debt, a itemized copy of the bill reflecting how the balance was calculated, and confirmation that this collection agency has bought the debt or was assigned the debt and have a legal right to collect it from me under my jurisdiction and statutory rights. Please help me resolve this matter quickly and efficiently before any further damages are obtained.

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 2020-05-17
Company: William D. Meeker Enterprises, Inc.
State: TX
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:
On XX/XX/2019 CIC Credit made an inquiry on my XXXX  credit report. Because I never authorized CIC Credit to pull my credit report, I contacted CIC Credit demanding they show valid proof they have permissable purpose to pull my credit report pursuant to The Fair Credit Reporting Act. CIC Credit never responded with any type of valid proof that they had permissable purpose to pull my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
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 have noticed that there are accounts not mine. I would like them removed. I am in no way a credit repair or mortgage company. I have sent you my personal information as well. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I contacted all three credit bureau to have account removed but is still on credit report. Contacted few times no results.

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 2020-09-05
Company: BCO Consulting Services
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I was charged and then got a message saying that this is a scam after I paid {$190.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-09
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
This was a secured MC credit card from Citi, located at XXXXXXXX XXXX XXXXXXXX XXXX XXXX, SD XXXX. I closed this card in XXXX of XXXX. There was an outstanding balance on the card at the time it was closed ; at that time, I was given to understand that I would continue to make the monthly payments until the balance was XXXX, at which time my deposit of {$200.00} that was used to open the account would be refunded. I called to check on the progress the first time on XXXX, at which time I was told by customer service that the check was processing, and I should expect it at then end of XX/XX/XXXX. I called again on XXXX, and was told the same thing ... the payment had been issued, and I could expect the refund of my deposit at the end of XXXX of XXXX. Since I still had not gotten it as of today, XX/XX/XXXX, I called the company again today at XXXX EST. This time, I was told a completely different story : that since I had a balance per the XX/XX/XXXX statement of {$220.00}, that my security deposit was applied to that amount, so when I went to pay my bill on the XXXX of XX/XX/XXXX, all I owed was {$27.00}. I was surprised, because I knew the outstanding balance was more, but I paid up. So, I was very frustrated to find out TODAY that the above is what happened without my input ; in other words, I was not given the opportunity to ACTUALLY pay the balance off so that I could get my deposit amount returned to me. I let the customer service agent, and the supervisor of accounts payable named XXXX, know of my ABSOLUTE frustration with what I called their behind-the-back, snake-in-the-grass, and underhanded way that this situation was handled. I would have appreciated being reminded of this clause in the terms at the time that it happened, and thereby expecting NOTHING to come back to me, instead of being led on by false promises of a refund that they knew they were NOT GOING TO ISSUE AT ALL thanks to the way they applied my refund to the outstanding balance that I KNEW I had from the beginning instead of giving me the option of ACTUALLY PAYING IT OFF so I could get my money back. I was advised to call back on XX/XX/XXXX to accept a {$25.00} credit, which XXXX emphasized that he was not supposed to do, as if that would make up for the fact that I'd been cheated out of my deposit amount of {$200.00} thanks to their underhanded way of doing business. I will NOT be calling them back on XX/XX/XXXX or any other time to get their chump change, but I decided that I would make known their less than honorable business dealings that they practice so they can get out of refunding people their money. So, here it is. I await the results of your investigation. Thanks

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 2021-08-20
Company: Mr. Cooper Group Inc.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage servicer is reporting to the 3 credit bureaus XXXX, XXXX, and XXXX my mortgage is up to 150 days delinquent. My mortgage payments are currents. I have tried to speak with my mortgage servicer to correct this but they will not speak with me. I have my canceled check reflecting all mortgage payments. Received mortgage statement that said my mortgage payment was increasing because I was being escrowed for city taxes, my home is in the county and I don't pay city taxes. My mortgage company has over charged me for my escrow account. Also my mortgage payment has increased because of the incorrect information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: ERC
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: Information belongs to someone else

Complaint:
I have reached out to this company numerous times to no avail. Ive made phone calls and sent various emails. They are reporting an account which is fraudulent and does not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a credit card bill from Citi on XX/XX/XXXX saying I owed {$8700.00} on an account I do not own and never opened. Since I do not speak very good English, my husband called Citi and told them this is not my card, that I may have been the victim of identity theft and they agreed to close the account. Citi sent me a letter dated XX/XX/XXXXsaying they closed the account. I sent them a Statement of Fraudulent Application signed by me onXX/XX/XXXX that they requested. Citi sent me a letter dated XX/XX/XXXX stating my claim that this account was fraudulently opened was denied and that I am responsible for the account in question. I asked my son to call the telephone number on the letter on XX/XX/XXXX and he spoke to XXXX  from Citi with me on the line, and they continued to insist that I opened the account and I am responsible. I sent Citi a letter demanding all of the account opening documents that Citi has in their possession, including signatures, IP addresses used to open this account, etc. pursuant to the Fair Credit Reporting Act, but Citi has failed and refused to provide me with the documents and will not respond to my request. OnXX/XX/XXXX, I received yet another billing statement from Citi saying I now owe {$18000.00}. This is now becoming ridiculous!

I did not open this credit card account. It appears that someone has stolen my identity and fraudulently opened this account in my name.

Citi has failed to perform due diligence when they allowed someone other than me to open a credit card account in my name and did not follow the proper protocol when they allowed over 50 charges totaling over {$18000.00} in just a 5 day period mostly in Florida. I have not been to Florida in over 6 years. In addition, Citi has violated provisions of the Fair Credit Reporting Act by refusing to respond to my demand for all account opening documents. It is my understanding that there are civil penalties for thess types of violations and I am requesting that your agency issue fines and penalties against Citi for their actions.

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 2020-05-17
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I paid in full the amount of {$860.00} and it cleared my bank on XX/XX/2020. As of today it had yet to reflect on their end and apply it as such.

I attempted to make a purchase at Target to no avail. I also called 3 times to target. First time 37 minutes, 2nd time 48 minutes, last call 21 minutes.

During the 2nd time and 3rd time, they called my banking institution to confirm the payment had cleared. This was confirmed during the 2nd and 3rd time and my banking institution confirmed it.

Due to this, I was unable to use the 5 % discount back by using their card, an additional 10 % and the {$10.00} gift card on their website was not applied. So where I would have saved about {$30.00} on my purchase, I saved {$0.00}.

I awaited 4 additional hours to attempt to buy online. I awaiting 8 hours in total. The first time I was physically at their store.

The thing is, that at this time, there aren't many options of to where to purchase and pick up on the spot or get delivery. This is the worst part WE HAVE NO OPTIONS OF WHERE TO BUY! WHERE TO PICK UP! GET A TIMELY DELIVERY!

This is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Portfolio Recovery Associates is reporting aa account for {$850.00} on my credit report that does not belong to me. This account is from identity theft. I have contacted the company and told them that this is from identity theft and they sent me a computer generated bill saying that it was verified. I told the rep the I spoke to that the bill was not from me and I had been a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-20
Company: FORD MOTOR CREDIT CO.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/22 received 11 calls in 10 mins. On XX/XX/22 received another 18 calls in 3 mins. On XX/XX/22 received another bill of calls. I have screen shots of all the history. Have called ford to get them to stop and was told no.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17
Company: AMERICAN ADVISORS GROUP
State: TX
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:
My XXXX  Report reflects AAG pulled my credit. My XXXX  Report reflects the company AAG hired, XXXX XXXX pulled my report for AAG. So who pulled my report ; AAG or XXXX XXXX or both? I request copy of report. AAG claims they properly pulled by report. AAG claims they had permissible permission to access credit report because of taped phone conversation. FCRA Section 604 ( a ) allows a verbal in ( 3 ) as stated " To a person which it has reason to believe ''. Who is this person at AAG?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: Justice Finance Company
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Nam e of the company justice finance keeps calling my personal phone, they called me at my job and I told them to stop calling me at my job or that i was going report them again, a lady XXXX said ok ... i told them this on XX/XX/XXXX at XXXX XXXX. Today on XX/XX/2018 They called my job again and asked for me. I was not available to take the call but when i was i called them from my personal phone and told them i had told them do not call my job that they violated my request XXXX or XXXX stated they were still going to call me at my job if thats the only way they can reach me, i told her no that they just violated my request and i advised them i was going to file a complaint and they didnt care they said they were still going to call me i told them as well not to call my personal line anymore and they said they were going to cal me by all means necessary and all this was at XXXX XX/XX/2018 my job does have the recordings where they called me here at my job

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-10
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Last month on XX/XX/2021 I paid my card off the complete balance of {$130.00}. it wasn't due until XX/XX/2021. Yesterday I got a statement in the mail saying that I owe interest for this month of {$2.00}. that interest was charged to the account on XX/XX/2021. If I paid my balance in full they should not be charging me interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-04
Company: CalAtlantic Financial Services, Inc., Scottsdale, AZ Branch
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was pre-approved for a mortgage with XXXX XXXX prior to looking for property. We found a New Home from CalAtlantic Homes ( XXXX XXXX XXXX, CA ). They told us that " We Must '' use their mortgage company or we could not write an offer or put a deposit down on their home. I did as I was requested. CalAtlantic mortgage ran my credit 3 separate times, only receiving my authorization for ( 1 ) time. They pulled on XXXX XXXX, 2017 ( original date we had to apply with their company ), next on XXXX XXXX, 2017 ( without my consent ) and the third time on XXXX XXXX, 2017. They tell me it was because they used a company called XXXX XXXX ( a re-seller of XXXX credit reports ), XXXX XXXX sent an e-mail to me stating that " they do not '' run my credit. I want to have 2 of the Hard Pulls  removed as it has made my FICA score drop.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: CORELOGIC INC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/18 I was denied application into XXXX XXXX XXXXXXXX XXXX XXXX due to a credit/consumer/background/criminal report done by XXXX XXXX   XXXX XXXX . They said that my tenant risk score was too low even though my Transunion tenant score was higher. When I asked how the score was derived XXXX told me Corelogic does the score. When I called Corelogic they said  XXXX does the score. XXXX sent me Corelogics flyer and according to it I should have qualified with no problems. I have a long standing work history with the same employer, no evictions, no criminal record and no collection or past due accounts. I lost out on a purchase of a condo with no explanation. I wanted to appeal but the owner had another offer which was higher than mine so I refused. I believe the association management company XXXX XXXX XXXX adjusted my score with the help of Corelogic.

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 2021-11-01
Company: Persolve, LLC - Legal - Series 2
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX To whom it may concern, I XXXX XXXX XXXX tried negotiating a fair price with Mr. XXXX from the XXXX XXXX XXXX XXXX It was he that told me that the only way they would let me pay a monthly {$150.00} payment, would be that they are going after the full {$9200.00}. Yes! Mr. XXXX said XXXX his own words over the telephone verbally. I know my rights and I know bill collectors are supposed to work with their clients. I told Mr. XXXX what XXXX can afford and I would try. My rent will be going up an additional {$270.00} per month starting XX/XX/XXXX. My rent will go up from {$1800.00} to {$2100.00}. the rent is split two ways. My student loan will also be paid on XX/XX/XXXX. What do you expect me to do when a bill collector is coming after {$250.00} a month. When they bought the account from XXXX XXXX XXXX, the account was still {$9200.00} and not {$10000.00} or {$13000.00}. Where are these debt collectors getting these figures? For, they did not pay {$9200.00}, {$10000.00}, or {$13.00}, XXXX for this debt which was sold by XXXX XXXX. It read in the closing portion that the statement was false. No! If a debt collector expresses to me what he expects and if I do not agree to what he wants, he needs to send me something in writing. 
I have a signed document of the new lease agreement starting on XX/XX/XXXX, my lease agreement will be going up to {$270.00} more a month. 
The XXXX XXXX XXXX Account Members don't have any compassion or respect for those who are in need. The statement when talking to Mr. XXXX was not false and Yes! I talked with him about reducing the payment. he replied, the only way that XXXX would accept a {$150.00} a month payment, they are to go after the total {$10000.00} dollars. What is it that you can not help me settle the problem I am having with XXXX XXXX XXXX wanting the entire {$9200.00} owed on the account? How is it on my XXXX Account, this debt is paid off and no payment is due? 
Around XX/XX/XXXX, or before, I signed up for XXXX XXXX, that I may get some help with the negotiating price/mediation. One of the lawyers from Legal Shield from the LAW FIRM OF : XXXX XXXX XXXX XXXX, LAW FIRM PHONE NUMBER IS XXXX. Tried to negotiate a fair price with the XXXX XXXX, but they did not accept it. I did not retain them because I do not have a 10 % retaining fee from the {$9200.00} fee. Again, Sir or Ma'am, my word is my bond and what Mr. XXXX relayed to me, this is what I am relaying to you. Can you please check my credit report and see that it is noted that this debt is PAID!!! Why are debt collectors coming after a debt that they only paid pennies on a dollar? 

XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05
Company: U.S. BANCORP
State: CA
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 applied for credit line increase on my VISA card ending XXXX. Request was denied on XXXX XXXX, 2017 simply because I did not yet make 12 monthly payments ( not related to my credit ). However, needlessly Cardmember Services afterwards on XXXX XXXX, 2017 made a hard inquiry against my credit and even advised " ... the consumer reporting agency played no part in our credit decision ... '' This was improper and clearly needless hard inquiry that did not play any role in creditor making decision which was already made for other reason.

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 2023-02-15
Company: Experian Information Solutions 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:
XXXX, Experian and XXXX are violating my rights as a consumer. I had informed them multiple times that I was a victim of fraud and they are reporting information on my credit report that I never authorized or gave them permission to. I've attempted multiple times to get this resolved and they refused to assist me. This has ruined my reputation and has caused XXXX within my life.

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