BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-12
Company: CITIBANK, N.A.
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Hi, I opened Citi XXXX savings account and deposited around XXXX. Out of that I transfered around XXXX later to my wife. Citi tagged is as fraud even though i called multiple times that this is a valid transaction.They blocked my account and XXXX in it. Now they wanted me to add my wife to the account to clear this. I said ok. They dont have a clear process and after multiple hourly calls of waiting and transfers they said you have to go to a bank near you. The nearest bank is XXXX hrs of flight. So this is not an option. I told them to close my account and return my money back. They said yes and we started the process we will refund you in 4-5 business days. Its 3 weeks now and multipole calls noone knows anything and they restarted the same closure process multiple times from scratch. I am running out of my money and had to take a heloc on my house to cover my expenses. I request your help to get my XXXX back from citi including interest and also a compensation to cover all the expenses I had to make to borrow the money from other bank. They are sitting on my money for no reason. Its been almost 2 months this is not going anywhere. I made atleast 25 calls and waited more than 30-40 mins each call.

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 2019-11-08
Company: Law Office of Michael J. Scott, PC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2019, I was served with a citation on a lawsuit from XXXX XXXX   XXXX  with Scott & Associates listed as the attorney for the plaintiff. After much research, I discovered that XXXX had actually referred the account ( they still own the debt ) to XXXX XXXX, a collection agency, per XXXX. XXXX XXXX claims that they are not a collection agency and that they referred the account to Scott & Associates, a collection agency law firm. I never received any type of communication from Scott & Associates prior to being served with a citation. I sent Scott & Associates a request for debt validation. The only thing they sent me was a few of the bills from XXXX and where I had applied for a credit card with XXXX on the Internet. That in no way validated that they had the authority to collect the debt. I hired an attorney to represent me. I could never verify with the court whether or not he responded to the suit, since I said I had an attorney, and could also never get the attorney to call me back. I have filed a complaint with the State Bar Association of Texas due to the attorney 's negligence. Today, XX/XX/2019, I received a letter from the court stating that a default judgment was decreed since there had been no response to the summons. I will be filing a separate complaint with the FTC against the attorney. My complaint against Scott & Associates is their violations of the Fair Debt Collections Act, by not sending me any communications of my right to dispute the debt nor validating the debt. I have not signed any contract with Scott & Associates.

This is my second complaint. Evidently Scott & Associates put an incorrect address on the petition with the court and my complaint was sent to the wrong company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I did not consent to authorize nor benefit from these account ( s ).

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 2021-05-08
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:
Credit card opened before the my SS number issued ; This is Errors and violation of federal law

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 2020-07-15
Company: Pro Com Services of Illinois, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. XXXX, XXXX XXXX XXXX XXXX. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
For the dates of XX/XX/XXXX thru XX/XX/XXXX totaling in the amount of XXXX was all fraudulent transactions. In the month of XX/XX/XXXX I notice these fraudulent chargers. I then found out that a friend of mines, XXXX XXXX, had stolen my card. As months progressed he ended up stealing 6 credit cards. XXXX is the only credit card company that Im having trouble with pertaining to my credit cards. Its an insult for me to received a letter stating that I participated and benefited from his transactions. Ive been dealing back and forward with XXXX since XX/XX/XXXX. The first time ( XX/XX/XXXX ) and last time ( XX/XX/XXXX ) they told me that I couldnt dispute because its someone that I know. In the month of XX/XX/XXXX they credit my account XXXX but when I question them about the portion credit they again reopen my claim. Two months later they put the transactions back on my account. XXXX is not honoring the zero fraud liability policy. XXXX XXXX was arrested on XX/XX/XXXX for theft of my credit cards

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-15
Company: ERC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud  where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-19
Company: EQUIFAX, INC.
State: MI
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$9800.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX XXXX {$44000.00} ; XXXX XXXX XXXXI XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-15
Company: AmeriCollect
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: Experian Information Solutions Inc.
State: LA
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 submitted a complaint last XX/XX/XXXX- XX/XX/XXXX and XX/XX/XXXX was closed immediately without submitting it to the companies involved. I submitted a complaint again last XX/XX/XXXX and got a response from XXXX. The others 2 Credit Bureau 's response is still pending. I am hoping that by submitting this new complaint, all the fraudulent accounts from my credit report will REMOVED and DELETED because I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.

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 2021-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
XXXX of last year somebody opened up a XXXX account under my name I immediately contacted the bank that issued the account and they canceled it within an hour and a half of it being opened a hard inquiry went on my credit report through Trans Union Trans Union was notified by XXXX XXXX XXXX  that it was a fraudulent account taken out without my knowledge and I was not responsible for it and it was closed and to take off the hard inquiry on my credit report more than a year has gone by and Trans Union still has done nothing to remove the hard inquiry from 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 2020-07-15
Company: Rocket Mortgage, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Hello, I applied for a refinance loan with Rocket Mortgage ( Quicken Loans ). I was offered a rate, paying 1 point in the original disclosure which I reviewed and signed. This disclosure included a Rate Lock agreement. During the period of processing to closure, I received a Re-disclosure ( within the time frame of the original locked rate ) providing for the same rate, but paying 3 points. At no time did anyone call me to notify me of any changes, at no time did I receive any negative credit report updates or additional credit checks. I contacted the broker, who told me he had no say on the matter and advised someone would call me. After several days and multiple attempts to reach someone, the director of underwriting ( supposedly ) called me and told me that the points changed when my home did not appraise for the amount they had wanted it to appraise ( although the home still appraised at more than 80 % loan to value ). I advised him that I had a rate lock with one point, that points are paid to reduce the interest rate, which was not occurring here, and that i believed that someone was trying to pull a fast one. I advised he needed to fix this. He told me that points were assessed based on the risk - not to pay down the rate and that there was no mistake and that he would not be changing it. I told him that I had a truth in lending statements indicating one point and i expected him to honor that. He then told me they would not be issuing me anything and would be closing out my loan. He then hung up on me. 
i allowed this company to run my credit, spent hours providing them with personal financial information - including consent for tax records, and had a signed disclosure with an active rate lock. 
This company 's deceptive practices is unacceptable. They clearly pulled a bait and switch thinking I would simply agree to the new redisclosure without reading. Thank God I read it before I accepted. 
I may not have suffered any real harm at this time, however, it is important for your agency and the consumers to know that Rocket Mortgage / Quicken Loans is employing deceptive lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: EQUIFAX, INC.
State: MO
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 Fraudulent activity on my credit report {$1500.00} Reported balance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
The following accounts are not mine. The have not been verified I contacted XXXX XXXX and they don't have record of these accounts for me. 

XXXX XXXX XXXX XXXX BANKRUPTCY XXXX Please remove all accounts listed my information was compromised in a Data Breach.,, 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 2020-07-15
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
A month ago I got delinquency notice from lender ( SLS ). The reason in the notice was a missing payment. In reality when I checked the account summary, I saw that the auto payment was executed on time, but still their backend system marked my account as late on payments. Also they 1. charged me late fees, 2. disabled my auto payment option quoting the missing payments, when it is not actually a late payment 3. reported the same to all three credit bureaus thus dragging down my credit score This has literally paralyzed me from getting better financing options and thus impacting me financially. 

Worst part of it is the customer care. The service channels availabe are only able to hear my case, and they cant provide me a case number and does not allow me to talk to supervisor. They make false promise that, a supervisor would look into the case and connect back in 24-48 hrs and that was never the case. Also when I first reported the issue on XX/XX/XXXX, I was told that they would investigate the same and resolve it by XX/XX/XXXX and there is no progress made. On followup on XXXX of XXXX, the opened yet another parallel case as the support personal was not able to see any update. 

Also I was asked to send an email detailing the issue and no response there other than a canned auto response.

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 2023-05-07
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:
My mother opened several cable subscriptions in my name when I was a minor. As a result, I saw that my credit score was active and low when I turned XXXX XXXX XXXX. These cable subscription providers have already put these accounts I did not consent to into collections, which is affecting my credit score. I would like these accounts to be removed, and I would appreciate it if the credit reporting agencies could mitigate my credit score.

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 2020-09-14
Company: EQUIFAX, 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: Account information incorrect

Complaint:
ANOTHER ACCOUNT NOT ACCURATE XXXX XXXX XXXX STATING I OWE {$2800.00} AND I DO NOT OWE NOTHING. I WANT THIS REMOVED

Company response to consumer: Closed with explanation