BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-21
Company: CITIBANK, N.A.
State: IL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I submitted a complaint to the CFPB ( # XXXX ) regarding a debt collection letter from XXXX XXXX XXXX XXXX In that complaint, I referred to another debt collection attempt from a company called XXXX XXXX XXXX XXXX XXXX. That company failed to respond to my request to verify themselves as the legal debt collector. In response to my complaint with the CFPB, XXXX XXXX XXXX responded that they were the legal owner of the debt they were trying to collect. In XXXX of XXXX, I submitted a payment plan to pay off the remainder of the debt, biweekly at {$150.00}. I have kept my promise to pay since then. 

Today, I called XXXX XXXX XXXX to confirm the remaining debt owed of {$2300.00} which agrees with what I have calculated for {$2300.00}. In 16 more payments, this debt will be settled. 

During my research on improving my personal finances, it came to my attention that if a debt collector sold my debt, that debt becomes a tax write off for them. My continued payments on top of the tax write-off they already claimed is something they should not have received. A few months after resuming payments with XXXX XXXX XXXX, I noticed that they were no longer reporting my payments to the credit bureaus. 

Since XXXX, I have paid at least {$15000.00} towards this debt. XXXX XXXX 's response to my CFPB complaint made it seem that this debt collection letter from them was the first time I was working with them in XXXX. That is not the case. I will attach a XXXX cancelled check with their endorsement on the back of the payment made to Citibank regarding this loan for what was a monthly payment of about {$200.00} a month. When I was unemployed, it was difficult to maintain payments until i got a steady job. It will be a screenshot. But if you need the encrypted PDF document I received from Citibank, I would be happy to share with CFPB. 

The previous reference number I had with XXXX XXXX XXXX was # XXXX. The active and current reference number they have assigned is # 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 2021-07-11
Company: Commonwealth Financial Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I open an account in early XXXX under promotional terms for {$300.00} and fulfilled them. 

I waited a month and called to see why I didn't receive the promotional bonus and was told I was never allowed to because I wasn't a 'new customer ' citing a previous account I had closed more than 5 months prior. I pointed out that I satisfied the 3 obligations in the fine print - not a current signer, no closed account within 90 days, and haven't been paid a bonus in last 12 months. 

Then I was told that because I missed that previous promotion I wouldn't be able to participate in the current one - valid from XXXX to XX/XX/31. 

Although I disagreed with the customer service representative and asked for another person to review my account, she said that is the final.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-28
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had a Costco Anywhere credit card. That credit card got stolen and a balance was run-up. I called and reported it along with a police report.

Costco Anywhere did not do anything about it. They denied me and insisted the claim was false. The claim is not false, someone did, in fact, steal my card.

Costco Anywhere did not honor its zero fraud policy. 
Now they plan on sending the balance on that card to collections. 
I will have a bad credit score because this company failed to honor its fraud policies.

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 2021-10-21
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a XXXX XXXX 30 year fixed mortgage with 3.5 % interest rate. 
We have paid roughly 10 years on it. 
Wells Fargo home mortgage is the lender. 
We have been verbally, in agreement, with deferral for forbearance as the main option of resolution. Our mortgage was hence put into forbearance since XX/XX/XXXX because, I and my wife lost our jobs in XXXX of XXXX due to covid-19. 
Forbearance ended XX/XX/XXXX. However, during the whole forbearance program with Wells Fargo I paid each month towards escrow, to pay insurance and taxes on our property. That escrow payment, as told to me by Wells Fargo representative has been put into a separate inaccessible account. 
Since XX/XX/XXXX of XXXX I have been reaching out to them to find out what to do and find out what they want me to do. I told them that all along I wanted deferral plan unless a loan modification is better. However, the option they have been continually tried to implement into my mortgage is a loan modification of 40 years, and I rejected that! That would cause unwanted results for me along with doubling their profits! It made me angry! Where in the law does it state that a lender because of covid-19 pandemic, a lender is able to treat forbearance differently and double their profit? They have yet to provide me with that information. 
I paid my first entire monthly mortgage for XX/XX/XXXX on XX/XX/XXXX ; Wells Fargo in turn applied my payment to forbearance of XX/XX/XXXX and not XXXX XXXX. So they have me trapped in double jeopardy. Wells Fargo is now controlling my payments, using it towards forbearance, and preventing me from doing business elsewhere. I have been warned I need to make 3 consecutive payments before I can refinance with another lender. Other Lenders have offered me currently 1.75 % on a 20 year loan where as Wells Fargo is doubling their profits on me! Rates are low, historically low! 
I have had 3 other bad business relations prior to this and they are trying to XXXX me again, I want out! If they arent doing business as others, well its time to move on! The plan is I need to expunge my forbearance by XX/XX/XXXX and get refinanced ASAP! 
The population needs to be made aware of this scam! Please 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 2020-04-28
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had a XXXX XXXX credit card. That credit card got stolen and a balance was run-up. I called and reported it along with a police report. 
XXXX XXXX did not do anything about it. They denied me and insisted the claim was false. The claim is not false, someone did, in fact, steal my card. 
XXXX XXXX did not honor its zero fraud policy. 
Now they plan on sending the balance on that card to collections. 
I will have a bad credit score because this company failed to honor its fraud policies.

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 2020-04-28
Company: Experian Information Solutions Inc.
State: AR
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 found out my identity had been compromised because my wallet was stolen from the movie theatre. I didn't take the proper measures afterward. I just got a duplicate driver 's license and a copy of my social security. Several years later I'm receiving letters of several unpaid accounts that I have never open. There are way too many fraudulent accounts open that I am near familiar with. These accounts are not mine. Please remove them. 

XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX & XXXX XXXX {$3600.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$3100.00} XXXX XXXX XXXX {$0.00} XXXX  XXXX {$0.00}

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 2021-10-21
Company: Experian Information Solutions Inc.
State: VA
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 credit bureau informed me that they utilize XXXX to acquire or confirm debt. I contacted XXXX to get verification of debt that was placed in my account and they sent me a letter of them deleting the unverified debt from my profile. I sent the letter to Experian to show that the services they utilized to originally put the unverified debt into my Experian account was deleted and to reinvestigate. They told me they went through XXXX and confirmed. Thats untrue because XXXX deleted the debt from my account. I asked Experian how they could verify information and with who. They stayed unknown third party verified. They are not verifying information in my credit report. And they wont tell me how exactly they are verifying that everything is true.

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 2020-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 found out my identity had been compromised because my wallet was stolen from the movie theatre. I didn't take the proper measures afterward. I just got a duplicate driver 's license and a copy of my social security. Several years later I'm receiving letters of several unpaid accounts that I have never open. There are way too many fraudulent accounts open that I am near familiar with. These accounts are not mine. Please remove them. 

XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX & XXXX XXXX {$3600.00} XXXX XXXX {$0.00} XXXX XXXX  XXXX {$3100.00} XXXX XXXX  XXXX {$0.00} XXXX  XXXX {$0.00}

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 2020-04-28
Company: Direct Recovery Services, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2020 at XXXX we were contacted by DIRECT RECOVERY SERVICES ( XXXX ) looking for XXXX XXXX. Upon connecting to an operator I explained he is calling a company and the operator immediately hung up on me. I have placed several calls to this company trying to get our number removed off this persons file and every time the operator hangs up the call and refuses to remove our number. These constant calls are becoming a nuisance and need to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NV
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:
Nissan Motor Acceptance XXXX XXXX XXXX XXXX TX XXXX Im writing to dispute a fallowing information on my credit report. It shows as XXXX report : thats {$220.00} past due from XX/XX/XXXX Owed to Nissan Motor. 
My account was closed and paid in full in XXXX when I finished paying my car payment for XXXX XXXX XXXX XXXX. After my last payment I got issued the tittle for the vehicle.

There was no further communication with the Nissan Motor nor did I receive any past due bill.

When I contact Nissan I was devised to contact cfpb and report and dispute the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
over the past couple of months, i have requested from all 3 credit bureaus that i need to see verifiable proof of what is being reported is 100 % accurate. i have asked for documents that bear my signature as proof. all 3 credit bureaus have failed to produce any documents or explain to me how these negative accounts on my file were verified and through what manner they were verified. all i am getting is a generic response from them that it was verified, and no reason or explanation on how, or who they spoke with or what documents were provided to verify the negative accounts that i have disputed.

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 2021-10-21
Company: Experian Information Solutions Inc.
State: GA
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:
Experian has unblocked fraudulent items on my credit report due to discriminating me. The company told me to go to the police department to validate the police report that I provided them from the XXXX Police Department. The police report is accurate and valid. I am a victim of ID theft. This company have been giving me a hard time ongoing for 2 years. I have followed their instructions and they then come back to say the creditor validated the debt as my debt and they must put it back on my credit report no matter what the police is saying it is my debt. The name of the account is XXXX XXXX XXXX. I am attaching my police report as well to the document.

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 2020-06-28
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I made over 120 payments while working in XXXX  XXXX I am told the payments didn't count.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In XXXX of 2019 I received a letter from XXXX XXXX stating that my mortgage had been sold to them from Cardinal Financial and that I would be receiving a package stating where to pay my XXXX payment. I never received anything from them in XXXX and on XX/XX/XXXX received a late notice from Cardinal Financial and that I needed to send a payment to them. I then send a payment for XXXX, XXXX, and XXXX to them. I then contacted them and let them know what had happened and that I never received anything from XXXX XXXX on where to send the payment. I also let them know that I paid the XXXX payment and 2 months in advance. They stated that there was nothing more I needed to do and that they would note on the account the issues. When I ran my credit report in XXXX it should that they reported me to the credit bureau for missing 1 months payment. I then called and asked what I needed to do to get it taken off the credit report and they told me to email them a letter asking for it to be removed and to send them a copy of the credit report. I did all of that and have been trying to get in touch with them to see what the status is and they are not returning my calls and have not returned my emails. Nothing has been done to resolve the matter with them and they have not removed the ding from my credit like I was told would happen. This is disappointing because I have owned homes for over 20 yrs and have never been late with any payments until now due to the misunderstanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: ENCORE CAPITAL GROUP INC.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company has tried to collect a debt that I did not open. They have failed to provide me proof that this debt is mine therefore committing fraud. I am prepared to take all legal action against this company and hold them accountable for falsely hurting my credit and threatening to sue without legally providing me info that I have requested in a timely manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-21
Company: Chime Financial Inc
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received in the mail two separate credit cards on XX/XX/21 in my name that I had not applied for or requested in any way. The first one was a XXXX banking card and the second was a Chime banking card. I was able to contact the XXXX customer service and have that account shut down. There had not been any purchases made from it. I was unable to get in touch with Chime 's customer service and i am currently waiting to hear back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: Capital Accounts, LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I was called on my cell number by Capital Accounts and they did not verify my identity, simply asked if I was by my first name and then when I said yes told me they were collecting a debt. I told them not to call me on any phone and they told me they would keep calling me until I requested a cease in writing. They then called me at my workplace and I told them to stop calling me and once again they refused and once again they failed to properly identify me before talking to me about debts. They then called me at my workplace again, which is a clear violation of my rights. I told them I disputed the debt and they refused to take the dispute verbally and also did not verify who I was before speaking of the debt yet again. They are harassing me for no reason and have violated my rights on multiple occasions.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Transunion is showing my student loans accounts open and into collection. My student loan should be deleted from my credit line due to my school and the collection agency losing a lawsuit filed against them. They no longer were able to gain any money from students due to them losing the lawsuit. I have got my student loans deleted and closed off on my XXXX and XXXX credit score due to the evidence given to them. Transunion is still showing my accounts open. I need to dispute this again due to me no longer being responsible for these accounts.

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 2023-07-14
Company: EQUIFAX, INC.
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:
RECENTLY CHECKED MY CREDIT, NOTICED UNUSUAL HARD INQUIRES

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!

Company response to consumer: Closed with explanation