BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-08
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I'm going through financial hardship and I recently lost my job. Prior to losing my job I was making all my payments but in the recent months Citibank allowed purchases to go through putting me {$7000.00} in additional payments required to make a minimum payment. I am a very responsible person and have had a very good history on payments but I can not afford an additional {$7000.00} of payments

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 2019-01-07
Company: EQUIFAX, INC.
State: VA
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:
There is a balance of XXXX from XXXX XXXX ON MY XXXX MY EQUAFAX AND MY XXXX CREDIT REPORT WHICH WAS PUT ON MY CREDIT REPORT XX/XX/2018. THE AGREEMENT BETWEEN MYSELF AND XXXX WAS I WAS GOING TO PAY THE XXXX TO THEM ON XX/XX/2018. I CALLED XXXX ON THE PHONE AND TA ; LK TO A REPRESENTIVE AND I EXPLAIN THAT I DIDNT HAVE MY ACCOUNT NUMBER WHEN I MAIL MY CHECK OF XXXX TO THEM. I MAIL IT BY UNITED STATE POST OFFICE TO THE ADDRESS WHICH I SAW ON THERE WEBSITE WHICH WAS XXXX XXXX XXXX XXXX NEW JERSEY XXXX ON XX/XX/XXXX IN THE XXXX. ON XX/XX/XXXX I  RECEIVE ALERT FROM XXXX  THAT I HAVE A COLLECTION ON MY ACCOUNT. SO I WENT TO VIEW MY ACCOUNT I SEE A XXXX ACCOUNT WITH A BALANCE OF XXXX  PAST DUE IN COLLECTION. I CALLED XXXX THE NEXT DAY ABOUT IT AND THEY SAID THAT THEY DIDNT RECEIVE MY PAYMENT AS I EXPLAIN TO THEM I MAIL IN A CHECK TO THEM AND MY BANK HAS NOT CASH THE CHECK I ALSO EXPLAIN TO THEM THAT I HAVE NOT RECEIVE ANY EMAILS OR LETTERS FROM THEM CONCERNING THIS ACCOUNT WHICH THEY DIDNT CARE ABOUT IT. I EXPLAIN TO THEM THAT I CAN PAY THIS AGAIN SINCE I MADE PART OF PAYMENT EARLIER.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: U.S. BANCORP
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: Account information incorrect

Complaint:
I have opened a Home equity line with US Bank on XX/XX/XXXX, Account number XXXX with approve credit line of {$150000.00}. 
From that date, I never use this Account. I moved to Texas in XXXX, and close checking, saving Account with US bank but not Home equity line. I have note them my new address at Texas, and they have send me the Premier line XXXX date XX/XX/XXXX. From that date, I did not receive any information, statement from them. 
Up now, when I check from credit report, I know that there are a balance of {$63000.00} from my Equity line account. I call them and they said that is annually fee charge of {$90.00} and that charged is for 9 years. I complain why they did not send us any statement or XXXX to report this charge, they said that may be I did not update the new address!? As above mention, I have receive their Premier line XXXX card on XXXX, and my daughter live there in the house at California ( House that I apply for this equity line ) she did not receive any paper from US Bank. The manager told me that the fee charged is not refundable. 
I really feel bad about this and want to ask for help.

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 2019-07-08
Company: Experian Information Solutions Inc.
State: NJ
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 recently applied for a furnisher account long story short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. Im unsure of how this happened. I have reached out to the FTC and my local police. I need this items deleted from my credit report. XXXX, XXXX, XXXX XXXX, XXXX XXXX AUTO, XXXX   XXXX/XXXX XXXX, XXXX XXXX. lnquiries : XXXX XXXX, XXXX. Im doing this on my own behalf.

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 2018-01-25
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I PREVIOUSLY HAD A LOAN WITH XXXX XXXX XXXX FOR A XXXX XXXX. THE CAR WAS REPOSSESSED IN XX/XX/XXXX. I NEVER RECEIVED ANY NOTIFICATION OF THE CAR BEING SOLD ; NOR WERE I ABLE TO RETRIEVE ANY OF MY PERSONAL BELONGNGS THAT WERE IN THE CAR FOR MY XXXX KIDS AND I. I RECENTLY CINTACTED FIRST INVESTORS ; THEY STATED THAT THEY WROTE OFF THE LOAN ON THEIR TAXES AND SOLD THE DEBT TO " XXXX XXXX  ''. WHEN I CONTACTED XXXX XXXX ON XX/XX/XXXX FOR DOCUMENTATIONS AS OF HOW MUCH THE VEHICLE WAS SOLD FOR. THEY STATED THAT THEY DID N'T HAVE TO DISCLOSE ANYTHING TO ME. TODAY " XX/XX/XXXX '' ; XXXX XXXX XXXX XXXX. CHECKED MY CREDIT ; WHICH I DID NOT AUTHORIZE. I CONTACTED THIS AGENCY TO LEARN THAT IT IS " XXXX ''. I WAS TOLD THAT THEY DO N'T HAVE TO GET MY PERMISSION TO RUN MY CREDIT, AND THAT THEY ARE GOING TO SUE ME. YET, THEY REFUSE TO VERIFY THE DEBT ; I HAVE SENT EMAILS, AND CALLED SEVERAL TIMES TO NO AVAIL. THEY ARE ILLEGALLY RUNNING MY CREDIT INFO, AND FIRST INVESTORS REFUSE TO REMOVE THE DEBT BEING THAT THEY SOLD IT TO THIS COMPANY.

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 2021-06-10
Company: Credit Corp Solutions Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I was contacted on XX/XX/2021 by the phone number XXXX. I answered the first call at XXXX XXXX, but had a bad connection and couldn't hear the person on the other end. A quick XXXX search of the number brought up XXXX XXXX XXXX Attorney at Law. 
I quickly called back the number wondering why an attorney was calling me. The return call was made at XXXX XXXX. As soon as I called a lady answered the phone without stating whom I was calling. I quickly found out it was a collection agency called Tasman Credit Corp. I asked the lady why their number was tied to Mr. XXXXXXXX XXXX office and she responded with she didn't know why but they used a local number sometimes so the individual calling them back didn't accrue long distance charges. First of all it's XX/XX/XXXX, who doesn't have free long distance? She then gave me the phone number- XXXX ext. XXXX. She said she was attempting to collect a debt. I asked her to send me a validation letter and she emailed one instead of sending it by USPS. She was a little pushy saying that we needed to resolve this before it went to litigation. I politely told her I will get in touch with them once I do some research. Why is it ok for them to spoof a local attorney 's phone number?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: Experian Information Solutions Inc.
State: TN
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 sent letter to each credit agent stating that they need to send information obtaining this information via mail. And I didnt receive any type of validation from any bureau. I was just told they will not remove. But they wont send any proof of where they got this information. And they are required by federal law to provide court documents directly from the court to put on my credit. Or a signed document from myself. 

Per the FCRA 623 ( a ) ( 5 ) : If the credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify-through physical verification of the original signed consumer contract and/or judgment ( s ) - all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.

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 2018-01-25
Company: Resurgent Capital Services L.P.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received letter XXXX XXXX XXXX. Attempting go collect a debt dated XXXX XXXX, 2017 from XXXX XXXX XXXX, who is attempting to collect a debt for XXXX XXXX XXXX. First I never received any correspondence from XXXX XXXX. Second the FDCPA ( 15 U.S.C 1692c ( a ) states Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or express permission court or competent jurisdiction, a debt collector may not communicate with a consumer in collection of any debt. I havent given either company the above written consent to contact me in collection of any alleged debt. Further more my name is XXXX XXXX the company has XXXX XXXX XXXX. I have no known relationship with these companies, XXXX XXXX or XXXX XXXX XXXX and I am un aware on how they may have obtained my information without my knowledge or consent. I have sent a letter disputing the validity of this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: EQUIFAX, INC.
State: NV
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:
The collection first went delinquent XX/XX/2011, it's not past the 7 year reporting period. The collection is with XXXX XXXX and they verbally confirmed the original delinquency date over the phone but Equifax is reporting this incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are multiple inquiries displayed on my personal consumer credit report that I did not authorize. Also my credit score is reflecting incorrectly on my credit report. Timeframe is from 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 2021-12-01
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
re : Shellpoint Mortgage Servicing. 

Loan account # XXXX. 

I recently refinanced my house in XXXX XXXX After the refi, the mortgage loan was once again sold to a different lender and Shellpoint Mortgage Servicing is my new mortgage servicer starting XXXXXXXX. Before, during and after the refinance process, I have maintained my homeowner hazard insurance policy linked to the above loan # and it has always been up-to-date and active. My current insurance policy coverage period is XXXX to XXXX ( see attachment ). On XXXX, I received a letter from Shellpoint Mortgage Servicing dated XXXX stating " Our records show that your hazard insurance expired and we do not have evidence that you have obtained new coverage. Because hazard insurance is required on your property, we plan to buy insurance for your property. You must pay us for any period during which the insurance we buy is in effect but you do not have insurance. You should immediately provide us with your insurance information '' and to fax, upload or mail my home hazard insurance policy declarations page to XXXX. On page XXXX of the letter, it states " Shellpoint Mortgage Servicing is a debt collector. This letter is an attempt to collect a debt and any information obtained will be used for that purpose. '' ( see attached copy of the letter ) This is an attempt from XXXX to fraudulently collect a debt that is fraudulently created by XXXX based on their false claim that my house is not covered under any hazard insurance but I already have the insurance and it's not expired. 

I immediately uploaded the home hazard insurance policy declarations page on the website as instructed in the letter, proving my house is covered under active home hazard insurance. 

This is not the first time Shellpoint have tried to scam homeowners and tried to impose extra charges to their loan account by claiming XXXX is buying forced-placed hazard insurance for the property while the homeowners in fact do have active hazard insurance. There have been at least XXXX class action lawsuit in XX/XX/XXXX against Shellpoint Mortgage regarding lender placed insurance. There is at least XXXX open class action lawsuit now against XXXX charges for property insurance even if homeowners already have a policy, which involve cases similar to what happened to me. 

I demand Shellpoint Mortgage Servicing immediately update my home hazard insurance info linked to the above loan account # XXXX. 

I demand Shellpoint Mortgage Servicing immediately and permanently cancel any charges and fees associated with the forced-placed hazard insurance XXXX purchased fraudulently for loan # XXXX. 

I demand Shellpoint Mortgage Servicing, in the future, never to try to scam me again or try to do anything fraudulent related to my loan account or the loan holders in any ways. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
n accordance with the fair credit reporting act XXXX  XXXX account # XXXX XXXX  XXXX account # XXXX XXXX account # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A.states i have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
In XX/XX/2018, I received a letter from Capital One indicating that my account was now sent to the " Recoveries Unit ''. I proceeded to call Capital One on XX/XX/2018 in hopes of reaching an agreement that would allow me to maintain a positive relationship with XXXX offered me a monthly payment of {$150.00} until the account was paid to a {$0.00} balance. I advised XXXX at that time, I could not agree to ANYTHING without having the terms sent to me in writing for my review. She then advised me that without a payment being made by XX/XX/2018, she could not guarantee that the account would not be placed for collections with a local attorney. However, she did agree to provide me with the terms of this proposed payment plan within 7-10 business days of the call. After not receiving the letter XXXX promised, I again contacted Capital One on XX/XX/2018. I was advised that XXXX was not available and that their records indicated that the letter was mailed. Again, I advised them that I did not receive the letter. I was then told that a copy of the letter would be mailed again. The representative advised that they could only hold the account in their office until XX/XX/2018 before the account would be placed in collections. I was then questioned about a completely different Capitol One account that I never opened. I informed the representative that the account that I spoke with XXXX with is the only account I had with Capital One. On XX/XX/2018, I called Capital One to inquire about the account that was mentioned on the previous call that I did not open. I was informed by this representative that they could not provide me with any information after my admission of not " owning or opening '' the account. As to date, I have not received a proposal for a payment plan to keep the account I spoke with XXXX as she and the second representative promised. On XX/XX/2018, I received an e-mail indicating a payment plan that I did not agree to with completely different terms than discussed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-15
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
We have 2 futurniute accounts with Conn 's and both my husband I keep get phone calls. We have made a current payment which made the both account. My husband has spoken to a supervisor about this two weeks ago and was told that is payment would like the account current We need to change the due date and now they would change the dates .and the rep won't put the current Infomation in the notes. My husband fell behind on the payment because he changed job they would told. This both my husband and are so tried of telling this people this.and they won't do the right thing and they keep calling demand payment and asking for my husband credit card for payment.and when I tryed to ask for Infomation on this account I was told that I had to file out a form am on both account. Both of us are tried of hassarring phone calls.my husband get paid monthly now not bi weekly an they can't seem to get though thier heads

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-08
Company: DISCOVER BANK
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
my mother was issued a Discover credit card in 1995. The credit limit has been increased to {$30000.00} a couple yrs ago. My mother is XXXX XXXX XXXX & on a fixed income. She has several health problems and is on a fixed income. My mother just came home from the hospital/rehabilitation after being there for over 30 days. At this point she needs assistance with her physical needs as well as paying her bills ( writing checks ) on time each month. I just recently found out the Discover Credit Card debt & I am really concerned that the company would give a XXXX senior on a fixed income such as my moms {$30000.00} credit line. With how things are now in the world our seniors are easy targets for scam. My mom has worked hard all her life and at this point in her life she ( past couple months ) has worried about lost her home, not buying her medication because of this. My mother is has been a widow for 7 yrs. She lives alone her income is only once a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Auto purchased using Capital One Auto Navigator with required use of their particular dealerships. Purchase completed XX/XX/2019 with XXXX at address XXXX XXXX XXXX XXXX, XXXX, TX XXXX. Sales tax, title & licensing fees financed into purchase for a total of {$1700.00} and were paid to the dealership. After more than 60 days and the temporary tags have expired, I am unable to get a response from the Capital One required dealership, XXXX, and Capital One is claiming there is nothing they can do because the title has not been issued. However, I am still required to make the payments for an automobile I can not legally drive due to expired temporary tags and no permanent tags that have been prepaid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was alerted by several different credit monitoring accounts I have that a hard inquiry had been made on my TransUnion report by XXXX on Sunday, XX/XX/2019. 

This wasn't my inquiry and I called XXXX on Monday. I took them a while on the phone, but they were able to locate an approved loan application with my social security number and name. 

The woman on the phone remarked to me that the application had the wrong birthday and address. I then had to go through an arduous and time-consuming process of getting a police report and submitting it to Prosper for them to remove the inquiry. 

I only did this because I wanted it taken care of, but how can this company make a hard inquiry on my account with incorrect vital information? 

I'd like this complaint to go to whatever level it can, and hold this lending service responsible for doing a hard pull with incorrect information.

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 2019-07-08
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX has improperly reported a delinquent payment on my credit report. I contacted them about a series of late fees and XXXX XXXX admitted that it was an internal error and all late fees were removed. Nonetheless, XXXX XXXX has failed to take corrective action on my credit report, which now inaccurately reports their own internal billing error as a negative information.

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