BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-11
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: Account information incorrect

Complaint:
Credit Reporting Agency is reporting an account that can not be validated. The collection agency has not provided validated information confirming the account belongs to me. I contacted XXXX XXXX XXXX and the young lady, XXXX advised she can not provide anything outside of an electronic signature. This is not enough to validate the debt. When I requested more information I was ignored.

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 2020-02-18
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Ally Financial contacted my neighbors, to whom I do not have a relationship with nor are on my account, to discuss my financial situation. I was told it is common practice to find associates to the borrower, however none of my neighbors are associates. My privacy was violated. Federal law protects consumers against unfair, abusive, and harassing debt collection activities. The law that governs debt collector actions is known as the Fair Dept Collection Practices Act or FDCPA. This law sets strict limitations for what debt collectors can and can not do, including who they can contact as well as when, why, and how those communications occur. All of which were violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: CITIBANK, N.A.
State: CA
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:
Hello CFPB! Can you please forward the folllowing documentation to Citi Bank and Best buy. Thank you!

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 2017-11-11
Company: ERC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Someone named XXXX, with a very thick accent, called and asked me to verify my name, address, phone number, past address, and employment. I refused to do so, asking who he was. All he would say is that he was XXXX ( last name inaudible ) from Enhanced Resource Centers, but he would not give me any additional information. I looked up Enhanced Resource Centers online, and found that they are a debt collector. To the best of my knowledge, I have no outstanding debt that is in collections ; I hung up on XXXX for this reason. However, while I 'm not an expert on the FDCPA, I 'm pretty sure that a debt collector must identify themselves as such. At no point during the two minute conversation, did XXXX every identify himself as a debt collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: LD Holdings Group, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I spoke with XXXX and she was very helpful so I am just trying to open a portal to up load my info and evidence. What is happening is my mortgage co. is raising my house payment saying there is a shortage in escrow for insurance and tax impounds so I sent them the {$900.00} they said I was short even though when I contacted my insurance they said it was fine they even sent me a {$210.00} refund for over payments so they are still raising my payments and threatening me saying they will not except short payments. I have called several times to no avail

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Wells Fargo website states on their payment page that any account that is paid 3 or more month 's ahead will have additional funds applied to the principal. 

In XX/XX/XXXX I made 5 payments online, each payment was at minimum for my regular amount due. The last payment posted on XX/XX/XXXX was applied to the principal correctly, as Wells Fargo 's website states. 

However, in XXXX and XX/XX/XXXX, both of my payments were applied to my account and interest was deducted before the remaining funds were applied to the principal, even though my account was showing the next payment was not due for over 3 months. 

When I called a representative in around XX/XX/XXXX after I saw my incorrectly posted payment, they were able to reverse and reapply the payment. I was told I had scheduled the XXXX payment for the exact due date so I scheduled the XXXX payment for a couple days earlier than the due date. However this time, the interest that was deducted from my payment was over twice the amount deducted in XXXX. 

I called their customer support line around XXXX XXXX  on XX/XX/XXXX and spoke with a representative named XXXX who placed me on a hold after I voiced my complaint and came back with the explanation that in the year XXXX, their website/payment system did not have the functionality to check if a payment was 3 or more months ahead and apply the funds directly to the principal. I was incorrectly informed that I could setup an automatic payment that would be applied to the principal but when I was trying to walk through the setup over the phone, XXXX feigned that she couldn't hear me after I said I did not see the principal payment only option and disconnected my call. 

If I had not been checking how my payments were being applied after paying ahead over 3 months, I wouldn't be aware of how Wells Fargo was still deducting interest from payments, even though their website clearly states ( XX/XX/XXXX ) : " When you pay more than the total amount due, on or before the due date, the additional amount will pay down your principal balance and will be applied to your next payment due. If your account is paid ahead three months, additional funds will be applied to the principal only. ''

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 2017-11-09
Company: BLACK HILLS CHILDREN'S RANCH, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX my payment of of {$290.00} was received by Pioneer Credit Counseling, who was assisting me in debt consolidation and was paying my credit card bills as a third party. Of that amount, {$8.00} should have been disbursed to XXXX XXXX XXXX on or before XX/XX/XXXX but was not. The payment of {$8.00} was finally made to XXXX XXXX XXXX on XX/XX/XXXX. This now shows up as derogatory information on my credit report for being a month late.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THESE ITEMS KEEP APPEARING ON MY FILE AFTER BEING REMOVED.

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 2019-08-05
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I started this journey at the beginning of the year when I checked my credit and noticed an account from Jefferson Capital account number XXXX for {$580.00}. I originally contacted the credit bureaus to dispute the account due to the account not belonging to me and is not something that I recognize. I also pointed out reporting errors with the listing as its suppose to be reporting 100 % accurately and asked for proof of verification received from Jefferson Capital and did not receive anything but a generic response with no proof. Afterwards I contacted Jefferson Capital directly on XX/XX/2019 via certified mail USPS #  XXXX delivered on XX/XX/2019 at XXXX XXXX and asked for them to verify they are attempting to collect from the correct person. I also requested they send me competent evidence with a full accounting and original contract and I never received a response and its still reporting on my credit which it shouldn't because no one seems to have the proper documentation and accounting so this should be removed as I am not responsible for this debt. I never received validation of the account nor any notice/statement from them stating they are trying to collect on an alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11
Company: DISCOVER BANK
State: IL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I used Discover Card to pay the merchant ( a law firm, XXXX XXXX, XXXX XXXX XXXX ) {$300.00} for legal service, but he didnt show up in the court to represent me ; on XX/XX/XXXX, I called Discover Card and they opened a dispute for the dissatisfaction with credit card purchase and I closed the dispute on XX/XX/XXXX.
However, on XX/XX/XXXX, the merchant discontinued his service to me because he didnt get the money from Discover Card ; and since the merchant didnt get the money from Discover Card and discontinued his service to me, Discover Card should credit back the money to my account, but Discover Card didnt ; obviously, this is a billing error.
Therefore, begun from XX/XX/XXXX, I exercised my billing rights to dispute the billing error, and asked them to correct it. However, while I kept sending them the inquiry to dispute the billing error by discover.com/billingerrornotice, Discover Card kept acting like they never got my inquiry to dispute the billing error and pretended that I just wanted to continue the dissatisfaction with credit card purchase, which has no longer existed and been relevant since the merchant didnt get the money from Discover Card and he didnt need to deliver the service to me ; and refused to do anything about it.
So far, Discover Card did not open the dispute for the billing error as I requested begun from XX/XX/XXXX, did not explain why not either ; did not answer my questions - why the merchant didnt get the money from them, whether they gave the money to the merchant or not, what had gone wrong to cause this, where the money is now, why they couldnt get the money back and credit it to my account, and why I should pay them for the money they lost.
Obviously, Discover Card has a problem ; either lost the money somewhere else, or gave it to the merchant but couldnt prove it ; but either way Discover Card can not make me pay for their problem and have to credit the money back to my account. 
.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-19
Company: EQUIFAX, INC.
State: MS
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:
I sent a letter to Equifax for a item that was incorrect and open and after the dispute they had closed my account without my consent and i would like for it to be reverse back open with no late payments. I sent the same complaint to XXXX  and they re-open the account.I dont know if it closed on XXXX  either

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11
Company: LD Holdings Group, LLC
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I XXXX XXXX am a resident of the state of Oklahoma. Over the past two years, I went through a divorce where my financial affairs were thrown into conflict. Upon the completion of this divorce, and after assets were split, whereas I had no choice but to dissolve a retirement plan, I was damaged from serious Internal Revenue Service fees and penalties. My mortgage was behind, and eventually my affairs got better. In XX/XX/XXXX of this year I retained a law center that specialized in financial workouts where a bankruptcy petition would become necessary. A modification package was requested as it was stated in a letter from the Firm, ( See Attached ) that I desired to start making payments on my mortgage and to modify the current mortgage, hopefully at a reduced interest rate. 
This past Sunday, XX/XX/XXXX I was served with a foreclosure action. I was stunned as the original request for a modification package was ignored. There was an email on the legal letter showing an email where the modification package could be emailed, XXXXXXXXXXXX. 
Since Oklahoma is a judicial state, I believe that I have no option but to defend against this foreclosure. When the letter of XX/XX/XXXX was mailed and received, there were protections under the revised Fair Debt Collection Practices Act of XX/XX/XXXX. At the time the notice was given of my changed financial situation, my rights on a cease and desist on any foreclosure action was a reality. 
I recently received a call from a representative of Loan Depot requesting a payment on my mortgage, where this representative stated that once I made this payment, my modification would be approved without any input from my attorney. I stated that all calls then should be given to the Firm instead. 
I respectfully request the Consumer Financial Protection Bureau to review this complaint and forward to Loan Depot, since this egregious foreclosure action will only add to unnecessary stress as well as additional legal bills. I request that my modification package be sent to the email address immediately. 
The foreclosure action should be retracted immediately, and I desire a timeline to submit all my financial documents to procure a modification on my mortgage within federal FDCPA guidelines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: Optimum Outcomes, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get calls repeatedly from XXXX claiming to be from Optimum Outcomes INC for a XXXX XXXX. I do not know a XXXX XXXX ; I assume he had my phone number previously. The calls are always a recording and always leave half of a voice mail message because their autocaller is n't smart enough to wait for the answering machine to pick up. The caller always tells me that if I actually listen to my own voice mail, I am acknowledging that I am this XXXX XXXX person. I 'm not. 
This is a list of only a few of the many calls I 've received from this company for the past year : 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 XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11
Company: CITIBANK, N.A.
State: TX
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:
I ended up having an oversight on my due date for my citi card as I thought the payment was already scheduled. when I logged in to ctii credit card online portal two days after ( XX/XX/XXXX ) the fact of the payment due date ( XX/XX/XXXX ) I noticed that no payment was posted. I reviewed the history and immediately scheduled payment for that day ( XX/XX/XXXX ). The system had not assessed any late fees and once the payment was scheduled the system credited my balance immediately. I logged in today ( XX/XX/XXXX ) to see some other details and long and behold citi had assessed me a late fee the same day I posted payment ( XX/XX/XXXX ). Usually all my credit cards including the others I have with citi will assessed a late fee on late payments the following date after the missed due date. Citi did not assess the late fee only after I myself reminded their system that I was late by scheduling payment through their portal. In other words if I would have made payment using a third party the system would have not triggered to assess late fee two days after the fact of payment being late. i contacted XXXX from citi chat system and she kind of understood. She explained that she tried submitting a waiver and that Citi denied it. I told her it was not correct because even after i tried to correct the issue I still get penalized by citi, citi dropped the ball the day after the missed due date, now they 're trying to penalize me bc I tried correcting my oversight.

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 2021-10-14
Company: EQUIFAX, INC.
State: GA
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 reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX Product : Credit reporting, credit repair services, or other personal consumer reports Issue : Problem with a credit reporting company 's investigation into an existing problem XXXXXXXXXXXX Experian replied to my complaint. I need assistance to file against them. I believe they are in violation of a number of laws. Fair Credit Act, Equal Opportunity Credit. as well Law of Agency all public, companies, administrators of credit associate with their name, standard, and rating having NO OTHER SOURCE to access or review credit. 
Please help me resolve this problem. 
XX/XX/XXXX at XXXX XXXX Thank you for your response, I wrote requesting your group raise my credit score, I provided many repaid loans totaling some {$100000.00} to support my request. 
I did so for two reasons :.

1. I am in need of vehicle to drive XXXX. 
2. I need to purchase a lot to move my RV home onto. It was damaged in storm XXXX, and no parks will accept in present condition, though livable. 
I am not satisfied with your answer, and to such degree I will request further assistance from CFPB, and even file on my own if nothing resolved. I believe there are thousands if not 100 's of thousands people suffering same indignity due to your neglect. 
Additionally I find it offensive you force me to communicate via standard mail, especially in our era and age of immediate/ social media email, the new standard by any measure. 
I will argue in accordance to the Fair Credit Act, Equal Opportunity Lending that am entitled to fair and reasonable credit score, perhaps even a heightened one having paid/ satisfied some {$100000.00} and that you are obstructing it, and knowingly having provided documentation to your office. 
Your answer states " We are a consumer credit reporting agency. We receive credit information from businesses that subscribe to our services and directly from the courts. We do not add data from private parties to our files since we would be unable to verify or maintain the data to keep it current '' I believe your answer places your group in violation of a number of laws, and for an number of reasons, The first being the Law of Agency, the ruling of assumption, association, via the determination of purchase power, the assumed profile companies, administrators, public makes about your credit rating determination, and what suggest about me, though I provide evidence to contrary. 
Regards 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