BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-02
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I applied for a mortgage and made an offer on a property in XXXX GA, on or about XX/XX/XXXX. In pursuing a mortgage, I contacted several insurance companies, including, XXXX XXXX, XXXX, and XXXX insurance  companies, for homeowner insurance quotes. 

On or about, XX/XX/XXXX, I advised my real estate agent, to terminate the contract, due to loan issues, relative to XXXX  XXXX XXXX. The Unilateral Notice of Termination was issued to all parties, including the Mortgage company on XXXX/XXXX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX, however, in a violation of the FDCPA, issued a policy ( # XXXX ), which it states, was terminated on XX/XX/XXXX. 

XXXX. 

I applied for a mortgage and made an offer on a property at XXXX XXXX XXXX, XXXX, GA XXXX, on or about, XXXX/XXXX/XXXX. In pursuing a mortgage, I contacted several insurance companies, including, XXXX XXXX XXXX, XXXX, and XXXX insurance companies, for homeowner insurance quotes. 

on or about XX/XX/XXXX. I advised my real estate agent, to terminate the contract, due to contingencies issues, inspection, including other property issues. The Unilateral Notice of Termination was issued to all parties, including the Mortgage company on XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX however, in a violation of the FDCPA, issued a policy ( # XXXX ), which it states, that I terminated on XX/XX/XXXX. 

XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX is in violation of The Fair Debt Collection Practices Act ( FDCPA ), Pub. L. 95-109 ; 91, Fair Credit Reporting Act, 15 U.S.C. 1681. 51-6-2, et al. 

XXXX has engaged in willful and reckless harassment, malice, and contempt, along with reckless indifference of my rights, which are protected by both XXXX and XXXX XXXX. They have done so deliberately and without regard for my well-being, comfort, and enjoyment of life. 

Please take note, due to this deliberate behavior of XXXX XXXX XXXX XXXX XXXX XXXX, I have suffered, irreparable pain, suffering, and enjoyment of life, as a result, I will be pursuing claims for damages, in, State or Superior Court of XXXX XXXX Georgia, and/or Federal Court, where applicable. 

I demand a payment sum of {$5000.00}, in order to settle this egregious and deliberate act, as I'm in the process of going to closing on a home, on XX/XX/XXXX, and my credit will be pulled, reflecting this illegal action.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: U.S. BANCORP
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have had my mortgage with US Bank since XX/XX/2016. I pay my monthly payment each month. Apparently in XXXX, my payment increased from {$1500.00} to {$1500.00} due to escrow or something. I didnt receive a notice in the mail. ( Im not saying they didnt send me something, I just did not receive anything. ) Honestly, I question the timing and increase considering it all happened around the same time others became unable to pay their mortgage. My payments are automatically sent via bill pay from my bank, so my payment for XXXX was sent over and it was apparently {$30.00} short so they placed it into a payment in suspense account and assessed a late fee, as they would not apply it to my bill. In XXXX, they received my payment for {$1500.00} and applied that to my XXXX balance and took {$30.00} from the payment in suspense. Applied another late fee because they said I didnt pay my XXXX bill. This went on and I tried calling them weeks ago, but wasnt able to get in touch after waiting on hold for 45 minutes. I finally got ahold of them today and it took me over an hour and four different associates to reason with them to waive {$200.00} in late fees DURING A PANDEMIC because apparently my payments were a bit short. I told them I would be happy to pay the difference right then, but their portal does not allow partial payments. 

Its ludicrous they are treating people like this during a pandemic. I am very fortunate and I am able to pay my mortgage and I was able to reason with them, but others might not be. I warned them I would be reporting them for this.

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 2020-10-27
Company: Experian Information Solutions Inc.
State: MI
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:
it has been more than 30 days since i have mailed in my disputes and ftc report to Experian and i have not heard anything from experian at all. they are playing with peoples lives, not doing there jobs acting like they have not received peoples disputes or ftc reports. the inquires listed on my FTC REPORT are fraudulent inquires and should be deleted immediately. i have filed a identity theft report to the ftc and included that report along with my disputes. there will also be a copy of my social security card and state id so Experian can identify me and not close this complaint out by saying i didnt send this complaint or this is not authorized by me 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 2020-06-03
Company: EQUIFAX, INC.
State: FL
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:
I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding item that is listed on my consumer credit report : Accounts Receivable Account # XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: EQUIFAX, INC.
State: MS
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:
In accordance with the Fair Credit Reporting act XXXX  Accounts " 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, and all other hard inquiries that are not associated to any current or pre-existing accounts 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 response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: JPMORGAN CHASE & CO.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I received a postcardstating that I recently closed on a mortgage with JP Morgan Chase and that I needed to contact the entity regarding an important matter regarding the loan. A phone number was given along with a mortgage id # I did not call the number and a disclaimer at the bottom of the postcard stated that the information provided was not affiliated with JP Morgan Chase. A copy of the postcard is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is the third time that Citi Bank account services has claimed to lose my XXXX transaction after they claimed it should have reflected on my account ledger. Once I called the bank and put up a fuss about it , they told me that it’ll take 2 hours to release the funds. Unfortunately, they requested that I put in a dispute to release my funds. What brought me to this site today was that my bank told me that funds in the amount of $XXXX had “disappeared” and should’ve been in my account. I spoke to 4 different customer service representatives who all gave me a different story on why I didn’t receive funds that I so desperately needed . On one occasion I found where the money was missing and the bank had to do an investigation and replenished the money that “disappeared”. So this is not the first time for losing money that should reflect in the system.I would like to have an investigation into Citi Bank accounts in general. I’m sure I’m not the only person that this is happening  to. The bottom line is that Citi Bank claims that once the deposit disappears (that’s their term) that there needs to be an investigation on why the money disappeared and I have to wait 10 days for a provisional credit for money that belongs to me but clearly visible to the bank on their end. One customer service rep said that, “it’s not released wait 2hrs” , another says,”their not sure why it’s not showing on the account. It looks like it disappeared “, another says that”I have to wait a certain amount of business days “. This is bananas!

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 2023-12-14
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting 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 am a victim of identity theft and I have noticed some unauthorized inquires unverified and unauthorized items must be removed. I have listed the items I would like to dispute below.The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. 
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 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 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, THERE IS ALSO A INCORRECT SOCIAL XXXX 
THIS IS DEFAMATION OF MY CHARACTER AND I WOULD LIKE ALL UNAUTHORIZED ADDRESSES AND INQUIRES REMOVED FROM CREDIT FILE. ACCORDING TO 14 U.S.C. 1681 g ( a ) ( 5 ) A CONSUMER REPORTING AGENCY SHALL NOT FURNISH TO ANY PERSON A RECORD OF INQUIRIES IN CONNECTION WITH A CREDIT OR INSURANCE TRANSACTION THAT IS NOT INITIATED BY A CONSUMER. Under section 604 of the Fair Credit Reporting Act ( FCRA ) explains that the permissible purposes listed in FCRA section 604 ( a ) ( 3 ) are consumer specific, and it affirms that a consumer reporting agency may not provide a consumer report to a user under FCRA section 604 ( a ) ( 3 ) unless it has reason to believe that all of the consumer report information it includes pertains to the consumer who is the subject of the users request. The Bureau notes that disclaimers will not cure a failure to have a reason to believe that a user has a permissible purpose for a consumer report provided pursuant to FCRA section 604 ( a ) ( 3 ). This advisory opinion also reminds consumer report users that FCRA section 604 ( f ) strictly prohibits a person who uses or obtains a consumer report from doing so without a permissible purpose.

Company response to consumer: In progress
Consumer complaint received 2021-09-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
This is for the transactions of {$550.00} labelled as " Debit Card Purchase - XXXX XXXX XXXX XXXXXXXX XXXX '' and {$500.00} labelled ad " Debit Card Purchase - XXXX XXXX XXXX XXXX XXXX XXXX ''. There are some discrepencies that Capital One ignores when they reviewed my case. These purchases were not done by me. These were forced by a third party screen sharing app that hacked my phone. Both transactions were made within minutes of each other. Capital One said it was by the same person. The transactions were made in separate IP addresses. I brought this up and I was ignored.

Please check the IP addresses in the PDFs I attached on page 4. This is a clear case of hacking and theft. Capital One refuses to take responsibility for this. 

Also please note this is separate from my previous complaint. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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 2023-01-17
Company: EQUIFAX, INC.
State: SC
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:
In Accordance with the Fair Credit Reporting and XXXX Bankruptcy court account number # XXXX, and XXXX XXXX XXXX as XXXX account number XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have a right to privacy 15 U.S.C 1681 section 604 A section 2 states a consumer reporting agency can not furish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
on XX/XX/2022 I received a letteer from XXXX XXXX XXXX in regards to a debt that i supoosely owed. I paid them with the regards of having the item removed from crecit file. as of this date, the item still shows up on XXXX and Transunion. I've made several attempts to rectify the issue. I'm in the process of purchasing a home for my family which I told this debt collection agency XXXX. They still have yet to removed this item. So I'm asking for help in this matter 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 2020-10-27
Company: ProCollect, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Called to get understanding of the debt was advise that I JUST NEED TO PAY WHAT I OWE BECAUSE I KNOE I OWR IT! Then when I asked for breakdown of the account advise I should have gotten the letter if I didnt then that my fault! Asked for validation letter but one never came and also asked for move out statement providing proof of amount owed via email and by phone never received it! Also asked for a settlement and was advise THEY DONT DO SETTLEMENTS Procollect is aggressive and abusive and goes against FDCPA Regulations and UDAAP laws

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 2020-08-03
Company: Nelnet, Inc.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
My complaint is the amount of money in student loans they let me take out for my daughter. First I applied for the loans in my name only, but because I sent in my tax returns they used my husband 's income. We were recently out of bankruptcy and now looking back I should have not been allowed to acquire that amount in loans in my name. I was under the impression I was co-signing for my daughter. The interest rate is awful, and I asked since they used my husband 's income with out my knowledge and he is a veteran could we have the lower interest rate? And the answer was no.The loans are from XXXX - XXXX school years. Now I'm having a hard time getting a loan for repairs on my home and my debt to income ratio is bad. The point I'm making is that this was wrong from the start, I should not been able to get this amount in loans on my income right of bankruptcy. Loans are from Direct Loans and Great Lakes, the amount of the loans are now over {$60000.00}. What can be done at this point? 
Thank you for any help in this matter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were reporting inaccurate information on my credit report in violation of Federal Law. This was frustratingly unacceptable, in accordance with FCRA you must provide accurate information accordingly.

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 2021-03-28
Company: EQUIFAX, INC.
State: KY
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:
I am a victim of fraudulent/inaccurate accounts appearing on my credit file. I have sent complaints to the credit bureaus for the last 120 days and my issue was not resolved. My rights as an consumer are being violated according to the Fair Credit Reporting Act. My general reputation is being tarnished which is hurting my ability to obtain credit. I am suffering mentally and financially, I will seek remedies if my issue is not resolved immediately. The credit bureaus have failed to resolve my issue which I was more than patient in waiting for a resolution so I filed a complaint with the Federal Trade Commission for fraud. The fraudulent/inaccurate items are still appearing on my credit file and I need them removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: WELLS FARGO & COMPANY
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: Old information reappears or never goes away

Complaint:
I am filing this complaint to request the removal of a negative account that Wells Fargo is reporting on my XXXX, XXXX, and XXXX credit report. The account number reported on my credit report is XXXX. I called Wells Fargo on XX/XX/XXXX, to discuss this account. I was told by the customer service representative that I could settle the account for {$200.00}. I asked him if the account would then be reflected as paid, and all negative entries would be removed from my credit report. He said not unless I paid the balance in full. I told him it was critically important that all negative information be removed from my credit report, and I agreed to pay the full balance of {$400.00}. I have attached a copy of the receipt from my bank to this letter. It has now been over one year since my payment, and Wells Fargo is still reporting negative information on my credit report. This account was first reported to the credit bureau on XX/XX/XXXX. I have sent letters to Wells Fargo on XX/XX/XXXX and XX/XX/XXXX and received no response or resolution. I am requesting that Wells Fargo delete this account from my XXXX, XXXX, and XXXX  credit reports 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