BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-27
Company: Designed Receivable Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
We are being blackmailed by Receivable design Collection company. We reach an agreement that we will be paying monthly payments that we could sustain. After three months of consecutive payments, without any notice, Receivable design collection put a collection on our account. Following our conversation with them, we reached an agreement that we will increase the monthly payments, but they will remove the collection from our report. Now we found out that they didnt fulfill their part in the agreement and didnt remove the collection but rather updated it, confirming that the account is still under the collection. When we called them, they said that the only way to remove the collection is by paying off the balance. Because of their misleading action, I can not be approved for the parent plus loan for my daughters senior year at the university, which can jeopardize her graduation year. In order to get the account to be paid off, Receivable Solutions use decisive methods, such as putting the collection on customer credit reports without notifying them, saying they didnt keep the credit card on file although they charged the credit card several months. They use tricky techniques to victimize the people they are dealing with

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
the bank is asking for one month mortgage payment for the right to renew my loan which is not expired. this is in addition to my regular monthly payment when I originally contacted them I asked for the new rate and a reason for the additional monthly payment, they sent it to me after the date that was required to get the new rate, they are saying that they can change my original interest only loan to a principle and interest loan but if I pay an extra month mortgage payment then I can stay at an interest only loan. however this is not anywhere in my mortgage contract. I feel this is a violation of the truth in lending act. the banks position on this is they can charge it even if it was not part of my contract. I disagree you cant change a contract just because you feel you can I feel I am being discriminated against and that the bank has violated the truth in lending act. when I spoke to an alleged person who works for the president his position was take it or leave it.I believe we have had enough bullying by banks and that we can do anything we want to you attitude. 
nowhere in my contract does it say that I would have to pay an extra month payment for the right to maintain what I have .I am not objecting to the rate increase, just the extra payment, and now it is past the time when I am eligible for maintaining. 
If your agency does not have jurisdiction over the truth in lending act please let me know who does

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: Experian Information Solutions Inc.
State: NY
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:
Experian, XXXX  and XXXX have failed to respond to my disputes about accounts that are reporting on my credit report that does not belong. I WROTE THESE COMPANIES ON 3 DIFFERENT OCCASION. THEY ARE VIOLATING MY RIGHTS BY REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT

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 2020-11-20
Company: Synerprise Consulting Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received phone calls that were claimed to be an attempt to collect of an outstand bill from XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, ( XXXX ) XXXX. I stated that if this were an actual debt please send me ans invoice or bill so I could take care of it. They insisted that I pay over the phone with a credit card then and now or they would turn me over to collections. I never received a bill or invoice. Now my account has been turned over to collections and I do not believe this was a accurate way to do business. There are multiple complaints and issues with this company filed in XXXX reviews of their unfair business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Hi, Wells Fargo send me a letter, they told me about they closed around three accounts!! This accounts I didnt know I had!! Never saw this accounts in my mobile app, or in my statements, bc I didnt opened!!

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 2017-09-14
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was informed by the media that Equifax accounts had been hacked and that possibly my information had been stolen onXX/XX/XXXX 

I was redirected from the Equifax website to https : XXXX to check and see if my account was one of those affected. I entered my information and was told that indeed my account was affected by the 'breach ' in security, and I was told to come back on XX/XX/XXXX to enroll in an free annual program that would theoretically protect my account. I did this, and have since not received any confirmation or further information. 

I established a permanent security freeze on my account with Equifax in XXXX, as I had seen suspect activity in my credit report. I have not lifted this freeze using the personalized pin number I was provided at that time. 

It seems to me completely irresponsible that Equifax has handled my information so poorly and allowed it to be stolen, particularly considering I have paid the mandatory {$5.00} for the security freeze on my account. 

I ask that the US government close and liquidate Equifax immediately. Equifax should no longer exist as a company. It has permanently jeopardized my identity and my future security, as it has done for half of all Americans, which is totally unacceptable under any circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: Experian Information Solutions Inc.
State: NC
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 have a XXXX XXXX credit card that is being reported by the CRAs as late for the following months : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This information is inaccurate and despite providing proof of payment to XXXX XXXX on several occasions, my payment history has never been updated or corrected by the CRAs. This is a violation of the Fair Credit Reporting Act and I would like the erroneous information removed immediately. This inaccurate reporting is having a severe negative impact on me!

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 2020-10-28
Company: Westlake Services, LLC
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I purchase the loan from westlake financial for {$13000.00} with a term of 48 months i been constantly making payment each month without missing any payments. I brought the XXXXXXXX XXXX XXXX on XX/XX/XXXX from del-auto, then i request for a payments history on my account it showing that some of my payments showing undefined, one dollar been deducted from the balance which remain the same after 31/2 years of contract payments, also my account show that the agency XXXX that was drafted out of my account that wasn't apply to my account balance. when i tried to contacted customer service or a manager there were no responds to this matter. My income is one a month SSA, during the COVID-19 westlake financial would not help any of their customer doing that difficulty time. so the amount of payments has a error with the incorrect balance that i begin when i first purchase the car for that price. so westlake finanacial sent a towing company call quick assess recovery who vadil, damage, missing personnal items from my car when they reprossess for one month of missed payment. I have all my documents showing the payment that was drafted and never apply to my account. i feel that this matter need to be address or investigate. I appreciate if you look into this situation fully. westlake financial XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, Ca XXXX XXXX XXXX XXXX or XXXX customer service my name XXXX XXXX account # XXXX email adressed 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 2018-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Dear Consumer Relations, The reason for me filing this complaint with your agency is due to TransUnion not concluding their reinvestigation within 30 days require under the FCRA. The 30 Day investigation has passed.

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 2019-08-19
Company: Westlake Services, LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XX/XX/XXXXWe recently contacted California Department of consumer affairs regarding a vehicle we bought in XX/XX/XXXX  from XXXX XXXX XXXX XXXX through West lake financial we made about six payments and now on the vehicle and then later we found out the vehicles have alot of recalls more then 10 the dealership which did not disclose about the safety recalls that was on the vehicles so we did a voluntary repo in the which Westlake financial took possession  of the vehicle and sent it to the Auto auction they sold the vehicle for Less then what it was worth and know we are being sued by Westlake financial for the remaining of the balance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: EQUIFAX, INC.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a formal complaint against XXXX and Equifax that continues to report 2 different invalid and unverifiable accounts on my credit report. I have attached a recent copy of my credit report to this complaint. 

I mailed a certified written letter to Equifax on XX/XX/XXXX and XXXX on XX/XX/XXXX requesting my right to dispute the validity of this debt, both have to date ignore my request. I haven't received any communication from XXXX that validates this debt and Equifax continues to verify the account stating that XXXX has certified that the debt is valid. 

If this debt is valid, why haven't I received the proper documentation that proves I owe the amount reporting on my credit report. 

Furthermore, I contact Equifax on XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX in an effort to have this unverifiable account remove, due to the FCRA stating that if this account can not be verified it must be removed. ( See attached certified receipts ) I understand that our economy is under a national pandemic and staff may be low, but after 5 months, I have no other choice to file a complaint against their negligence and unwillingness to properly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: DISCOVER BANK
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX Discover Credit card company called my 2 accounts, my one account ending in XXXX which I had for over 4 years was closed, and my newest account ending in XXXX was closed also, Discover claimed it pulled a credit report from XX/XX/XXXX from XXXX XXXX and on this report they claim I had 3 collections and that they choose to close my good standing account which I was never late and paid in full monthly for over 4 years! When I contacted Discover to inform them, that this is a mistake on my credit report, they refuse to look into the matter and reconsider, what really had my upset, is one my account ending in XXXX I paid this account in full, and was never late, and they closed my account without warning, damaging my credit report in the process. In account ending in XXXX this was a secured card, that I actually graduated from with their step program and was awarded to unsecured, and then they turn around and closed my account anyways without regard to the consumer! The credit report they pulled from XXXX XXXX doesn’t show collections on my report! And the information was either a mistake or outdated! No one from discover called prior to it being a issue and no warning was in place for me to respond to them about their concerns. My credit is great now! And it’s in jeopardy because Discover closed my oldest accounts without warning!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: CU Recovery, Inc.
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX Around XXXX I called CU Recovery after receiving a letter in the mail and spoke with XXXX XXXX XXXX He told me I was legally responsible for {$1300.00} that went past due in my father 's account because I had opened an account with him. I tried explaining to the man at the company that I never opened an account with my father and was not responsible for this debt. The exchange was less than pleasant on both ends and I disconnected the call. 
I then called XXXX XXXX XXXX XXXX XXXX XXXX at XXXX and spoke to XXXX. I asked to speak to a supervisor or manager. She asked me if she could help. I explained to her that I had received a collections notice in the mail and what I had learned from speaking with XXXX at CU Recovery. I told her I have never been to XXXX XXXX and don't recall ever signing anything to be placed on an account with my father. XXXX placed me on hold and then XXXX picked up the phone. I told him my concern, that I had never been to XXXX XXXX and don't recall signing anything to be put on my father 's account. He told me he couldn't find any authorization and that after talking to his credit department he would call me back. 

XXXXI did not receive a call back from XXXX, so I called back up to XXXX XXXX. XXXX answered the phone and I explained who I was, telling him I needed an update since I hadn't received a call back. He seemed surprised that no one called me back and said a gentlemen by the name of XXXX XXXX was supposed to have called me back, but he's in a different time zone so maybe that's why he didn't call. 

XXXXI still have not received a phone call and that's why I have decided to start a formal complaint. I don't know if they reported this against my credit, or how my name got added to an account without my signature or permission. I have no answers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-11
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My Macy American Express account is not reported to XXXX and XXXX and I would need have this account reported back to the credit bureau and then I will pay the full balance at local Macy mall in my city to continue the relationship with Citibank 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 2020-10-28
Company: EQUIFAX, INC.
State: MA
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:
Dear Executive Office President, I currently have an active account with you and I recently noticed my credit line decrease. I'm was extremely shocked and surprised when I checked my credit report today discovered that your company ran an unauthorized report on me on Today ( Tuesday, XX/XX/2020 ). 

As I mentioned to several of your representatives today, I did not authorize such an inquiry and demand that you contact all the 3 major credit bureaus ( XXXX, XXXX, andEquifax ) immediately and have your inquiry deleted from my credit file. You do not have a permissible purpose to pull my credit report. 

I know that the FCRA states that the only purposes for pulling it in someones credit report are : a firm offer of credit, insurance, court order, or employment ( which I DID NOT authorize neither of them ). I ask that you provide me with any signed documents OR proof that will prove this was authorized by me and if you are not able to I demand you to remove this as it is affecting my scores. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX I got a loan from XXXX and was having the monies auto-draft from my account until my monies went from less than {$850.00} to more than {$2300.00} in XX/XX/XXXX. I was trying to get a lawyer to help me with this crazy increase for the 18months I had this load before I was advised to give it up, because the housing market was going crazy and no one had any answers. So, I let the house go into foreclosure. In XX/XX/XXXX, I received an application from the Virginia Attorney General telling me that I was owed my money back and I had to fill out this application and e-mail it back to them. I did this and have been waiting for my monies every sends. By XX/XX/XXXX, Virginia got XXXX XXXX dollars to refund monies back to people that lost there home from the loan scam and I didn't get a check. I called the Attorney General office and after no clear answers to my questions, I moved to XXXX to see what happen to my check. It wasn't until XX/XX/XXXX that some one at the Attorney General 's office informed me that XX/XX/XXXX participants was cut out of the deal between XXXX XXXX XXXX for the loan scams to pick-up loans from XX/XX/XXXX and up. I asked them where does that leaves me. No one had an answer at the time and told me to keep in touch to learn how XX/XX/XXXX was going to get compensated for their refund. I have done just that up until XX/XX/XXXX when the Attorney General allowed Lawyers to help out people that had not got their monies back. I contact a lawyer whom was referred to me by his daughter whom gave me his cell phone number in XX/XX/XXXX. He gave me his office number and ask me to make an appointment. I complied and after we met he ask me " XXXX what you going to do with all that money? '' I didn't reply because it was a bias question. He dismissed me and told me to call him the next day. I called him and he said that he was not going to take my case. So, I wrote to Washington D.C. to President Obama and ask for help. They sent me information to contact someone and they gave me the same lawyer. I contacted XXXX XXXX housing and they sent me to the same lawyer. I contacted the County of XXXX and they too gave me they same lawyer. For the last few years I have been trying to get someone to help me with my case and was told that that was the only lawyer around here that handle that kind of case.

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 2020-12-04
Company: AmeriHome Mortgage Company, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage is with Amerihome Mtg. I received a letter stating that I would only be able to make my mortgage payment with a cashier 's check. I have always processed my payments online, I haven't missed any payments ever. They stated that I had payments not honored by my financial institution. I sent them proof that my payment was drafted from my bank and never returned. I also informed Amerihome that I have an online bank only and can not get a cashier 's check. 
People I spoke with : Employee ID XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: Experian Information Solutions Inc.
State: NY
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:
On XX/XX/2020 i filled an online dispute # XXXX with XXXX  that was incorrect also with XXXX XXXX dispute # XXXX and Experian dispute # XXXX please have it 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