BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-21
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I was served with court documents last year. I believe it was around XXXX of 2020. I was asked to respond by a certain date in which I did. When I got to City Hall, I was asked to write a respond and in the response I documented I was a victim of fraud. Midland Funding is the plaintiff. I did not hear anything else for over a year and was sent a not from an attorneys office saying my salary will be garnished for payment. The amount is {$1100.00}. After I said Im a victim of fraud and I have no idea where that account came from, theyre garnishing my check every two weeks in the amount of {$510.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04
Company: Designed Receivable Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX XXXX, I sent Designed Receivable Solutions collection agency a letter asking for a breakdown of interest charges. 

The original debt sent to me XX/XX/XXXX was for {$7700.00}. A breakdown was provided of said debt to this amount along with almost double the cost in interest charges with a grand total of over {$12000.00}. 

Since I ran my credit and I initially contacted this collection agency request for verification in XX/XX/XXXX, this agency has intentionally flagged my credit by increasing said debt weekly with zero explanation as to how this amount is charged. 

It raises red flags because the various amounts range from {$2.00} to {$22.00}. Each week there is a different dollar amount added and each month the total is different. This agency even decreased the amount by {$11.00}. 

They even reported to XXXX that I refinanced/renewed this account which is untrue. 

It amazes me how this company can find time to trigger my credit report weekly but can not find time to respond and when I question the interest on said debt, I receive no response. 

This company is ruining my credit and I want this debt removed. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: CITIBANK, 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:
This is a follow-up of request - XXXX The Citibank team did not answer the request properly, as I complied with the requirements : Open a Regular Checking account in the Citi Gold account package between XX/XX/2021 and XX/XX/2021. 
Within 60 days after account opening, complete one or more qualifying bill payments for two consecutive calendar months and spend the {$1000.00} required minimum amount on purchases using your Citibank Debit Card. 
Only targeted Primary Cardholder is eligible to receive this offer and must be enrolled to receive incentive. 

I went online to get a statement of my transactions to show them I was right. 

Unfortunately, I don't have access to that information anymore. 

My request is that CFPB asks them to provide my history with them, and you will see that I complied 100 % with their terms. 

Therefore, please do not close this matter until we see the data. 

Thank you, 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 non-monetary relief
Consumer complaint received 2021-10-21
Company: ENOVA INTERNATIONAL, INC.
State: HI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took this loan out of {$3000.00} when I was desperate and needed it to pay rent or be evicted. The interest rate was % 167. When I took the loan out I asked if I could pay off early with no penalty and was assured this would be the case. I paid the loan on time as agreed but when I called and asked to pay it off early they lied and did something shady but I cant quite figure what they did. I received a notice from the IRS stating they claimed a loss and that I owe the irs now {$600.00}. I never asked to settle the loan and was never 1099d. I just asked what the pay off amount was. I paid it off and now being charged again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04
Company: 1st Franklin Financial Corporation
State: LA
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 XXXX of XXXX, 1st Franklin Financial obtained information from my credit report. There was no consent for them to do so. This resulted in a hard inquiry and also impacted my credit score. This company sued me in XXXX. I have not heard from them in almost 10 years. I received notification from my employer this week stating that I will be garnished at 25 % of my net pay by 1st Franklin Financial. They pulled my credit report to find out a current employer. This seems to be illegal. The company could have obtained my address from that same credit file and a phone number and they could have contacted me to make arrangements. I called the company on Thursday XX/XX/XXXX to see if I can make arrangements to pay them instead of being garnished, and was told No. I also only owe the company about XXXX and I 'm being garnished for 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 2017-11-04
Company: EQUIFAX, INC.
State: WA
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 filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " promptly delete all information which can not be verified '' that i have disputed. please resolve this manner as soon as possible. 

thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-10-21
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I received communication from XXXX XXXX, XXXX and XXXX XXXX notifying me of recent unauthorized credit inquiries. These inquiries occurred mostly from XX/XX/XXXX-XX/XX/XXXX from multiple agencies. I am concerned as I feel an unscrupulous automobile dealer has done this. Please remove these inquiries. Companies noted with unauthorized inquiries include : XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX/XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX/XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX   XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX/XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) Additionally, I did not authorize the following credit inquiries : XXXX XX/XX/XXXX XXXX XX/XX/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 2021-04-18
Company: Westlake Services, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I already reached out to the credit bureaus and to WILSHIRE CONSUMER CRED for the account number XXXX and notify them of their error posting for this account. It does not compliment what the Credit bureaus may claim as a " validated as accurate ''., and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I had also requested the method of verification, actual proof, and physical firsthand documentation of the payment history but I did not receive what I asked for and these violations persist on my credit report. I just had to escalate to CFPB.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have had an American Express card since XXXX. I upgraded from green to gold a few decades ago and from gold to platinum a few years ago. On XXXX, I was assessed annual membership fees of {$720.00} ( {$550.00} for me + {$170.00} for my wife 's card ). This fee is assessed IN ADVANCE. I decided to close the account. It took me a few weeks to transfer several regular, automatic monthly payments from this card to another credit card. Having completed that, I called AmExp today to cancel my card. They will not refund any portion of the {$720.00} membership fee THAT I PAID IN ADVANCE. They offered to downgrade me to a less expensive card ( green card - {$95.00} fee ) and to give me a credit for a portion of the {$720.00}. I do not want that. I want to close my account and receive a refund of the unused portion of the membership fee. On a per diem basis, I 've had the card from XXXX through XXXX, which is 39 days. {$720.00} divided by 365 days multiplied by 39 days equals {$77.00}, to which they may be entitled. I demanded a refund of {$640.00} XXXX {$720.00} I paid minus {$77.00} to which they may be entitled XXXX but was refused. Can you help me, please?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: EQUIFAX, INC.
State: DE
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: CITIBANK, N.A.
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: Account information incorrect

Complaint:
CITI XXXX ) I called for a deferment for a few months due to the Covid 19 Pandemic. They agreed that a ate payment for the following 3 months would not report as a late pay on my credit report and they did not comply ... to my surprise I have my credit report to be qualified for my 1st home and there is the late payment that they stated they would not report ... this is killing my score and now i do not qualify for the home ... i need this reversed immediately to read paid on time ... .I need the 30 day late for XX/XX/2020 updated to paid on time as we had an agreement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
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: Investigation took more than 30 days

Complaint:
tXXXX XXXX XXXX and eqifax the have the police report they are in violation of cra

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TRANSUNION FAILED TO PROVIDE 100 % ACCURACY OF ALLEGED COLLECTION ACCOUNT PLACED IN MY CREDIT FILE. THE COMPANY LISTED COLLECTION WITHOUT PROPER INVESTIGATION. 

SUMMARY OF ALLEGED ACCOUNT LISTED BELOW ACCOUNT # XXXX COLLECTION/CHARGE OFF

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 2018-09-18
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XX/XX/2018 XXXX XXXX should have been deleted permanently XX/XX/2018 XXXX XXXX XXXX should have been deleted permanently XXXX as well should have been deleted permanently

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 2017-11-04
Company: GREAT LAKES
State: MI
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 have had a loan in forbearance with Great Lakes Higher Education for about a year or more now. I am at a point where I can start making payments as I have recently become steadily employed and want to start paying these loans off. I have reached out to the servicer on multiple occasions to make a payment as I have a high amount of interest that has already accrued on the account I have. They keep asking me for my personal bank account information or telling me to go open a checking account somewhere as they will not accept credit card payments. I have a valid credit card I can pay with and I 'm not comfortable giving anyone direct access to my savings account ( I do n't have a checking account ). I have no other method of paying my student loans other than through a credit card. All I want to do is make a payments until the loan balance is paid off. There seems to be no flexibility at all on this and if I knew there were stipulations to getting my student loan that it can only be paid off with a direct link to some kind of a bank account at this point I would have just foregone my education entirely because now its likely going to ruin my credit and keep piling on interest. Any and all help would be greatly appreciated! 
Thanks so much!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Wells Fargo had issue with there Computer system and i had wire money XXXX XXXX XXXX  to my Daughter and it was never deposit into her account. Each employee of the Wells Fargo are very rude and hang up and do not do their job the way they are to do it. i have an attorney on this case and no one well have a job at Wells Fargo and sending emails after they made a mistake on wire transfer and not getting the job done right away

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: EQUIFAX, INC.
State: IA
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: Problem with product or service terms changing

Complaint:
TO WHOM IT MAY CONCERN I WAS PLACED IN A 7 YEAR AUTO LOAN BY A COMPANY KNOWN AS THE XXXXXXXX XXXX XXXXXXXX, THAT ARRANGED THE LOAN TO BE CARRIED BY XXXX XXXX XXXX. THE DEALERSHIP IT TURNED OUT WAS KNOWN FOR DECEIT AND WAS MADE TO CLOSE BUSSINESS IN THE TOWNSHIP OF XXXX XXXXXXXX WI FOR THE ILLEGAL WAYS THE COMPNAY PREFORMED BUSSINESS. THE VEHICLE THAT I BOUGHT USED WAS ACTUALLY REPORTED THE THE DEPARTMENT OF TRANSPORTATION IN WISCONSIN FOR DEALERSHIP REVIEW, AS THE CAR WAS KNOWN AS A " LEMON '' COSTING ME THOUSANDS OF DOLLARS IN MAINTENANCEI MADE NUMEROUS ATTEMPTS IN NEGOTIATING WITH XXXX XXXX XXXX TO RETURN THE VEHICLE, ONLY TO BE THREATENED AS TO WHAT THE COMPANY WOULD DO TO DYSTROY MY PERSONAL CREDIT. I FINALLY VOLUNTARILY SURRENDERED THE CAR AND WAS " PROMISED '' THAT THE VEHICLE WOULD BE SOLD AT AUCTION AND A PAYMENT ARRANGEMENT WOULD BE OFFER TO ME, IN ORDER TO NOT HARM MY PERSONAL CREDIT. THE VEHICLE WAS TURNED-IN XX/XX/2021. I CALLED THE COMPANY MANY TIMES TO INQUIRE WHRE THE SALE OF THE VEHICLE STOOD. FINALLY THE CAR WAS SOLD AT AUCTION ON XX/XX/2021. AS OF XXXX XX/XX/2021 I RECEIVED A LETTER FROM THE COMAPNY DEMANDING THE DEFIFICENT BALANCE OF {$13000.00} THE COMPANY IMMEDATELY REPORTED THE VEHICLE AS A " CHARGE-OFF '' TO ALL THREE CREDIT BUREAUS ALONG WITH A " REPOSSESSION '' i MADE NUMEROUS TELEPHONE CALLS TO THE COMPANY FINALLY TO RECEIVE A LETTER DATED XX/XX/2021 A FALSE DATE, AS I RECEIVED THE LETTER IN XXXX ; STATING THAT A VOLUNTARY SURRENDER WOULD BE UPDATED TO ALL THREE CREDIT BUREAUS AND THAT i WAS TO TELEPHONE THE RECOVERY DEPARTMENT TO MAKE PAYMENT ARRANGEMENTS. i TRIED FOR WEEKS, TO NO AVAIL. I LEFT MESSAGE AFFTER MESSAGE ON A VOICE MAIL THAT WAS NEVER RETURNED. FINALLY I WAS PUT IN-TOUCH WITH THE PROPER DEPARTMENT THAT STATED THAT EVEN IF I MADE APYMENTS TO THE RECOVERY DEPARTMENT, THE ACCOUNT WAS ALREADY CHARGED-OFF, THAT WOULD NOT BE UP TO THE COMPANY TO NOTIFY THE 3 BUREAUS TO REMOVE THE ERROR AND THAT ANY PAYMENT RECEIVED WOULD NOT BE UPDATED TO THE 3 BUREAUS UNTIL THE INVOICE WAS PAID IF FULL ANF THEN ONLY A XXXX  BALENCE WOULD BE REPORTED, THAY CLAIM THAT THE 3 BUREAUS WOULD HAVE TO PERSONALLY DROP THE CHARGE-OFF NOT REGIONAL ACCEPTANCE COPRORATION. THIS IS COMPLETELY ILLEGAL. THER ARE LAWS PROTECTING THE CONSUMER.. I HAVE ARRANGED TO PAY {$1000.00} A MONTH FOR A 12 MONTH PERIOD. I AM TOLD NO UPDATING OF ANY KIND WILL BE GINEN TO THE BUREAUS SHOWING THE ACCOUNT CURRENT AND THE COLLECTION/CHARGE-OFF WILL REMAIN FOR UP TO 7 YEARS. 
I HAVE ENCLOSED THE TWO LETTER FROM THE COMPANY FOR YOUR REFFERENCE. I VALUE MY CREDIT AND A CHARGE- OFF IS MOST INAPPROPRIATE GIVEN MY WILLINGNESS TO PAY-OFF THIS BALANCE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We would like to file a complaint against Carrington Mortgage, particularly to bring more accountability and loan-level transparency to their poor performance in the handling of our home loan. We also believe they violated XXXX rules by setting our mortgage payment too high. 

We are in arrears for $ XXXX on our mortgage. We pay 48 % of our monthly income towards our mortgage. This is not sustainable. We declared bankruptcy in XXXX due to a mortgage that had become an impossible burden. We paid $ XXXX cash in XX/XX/XXXX to bring our account to date. Our mortgage servicer has changed numerous times in the 20 years we have owned our home. We refinanced in XXXX with XXXX at a rate that was not sustainable. Our loan is federally backed, therefore our servicer ( Carrington? XXXX? ) violated the CARES act as my husband and I both received unemployment and filed a Hardship Declaration during COVID. We have applied for NY XXXX XXXX. Our monthly mortgage has gone from $ XXXX to $ XXXX. Weve been working with XXXX XXXX HUD and XXXX for months to try to come an agreement on a loan modification. We wish for our servicer to defer the amount of the forbearance into a non-interest bearing balloon loan due at the maturity of the loan. So far, we have not received an answer. If XXXX approves funding for $ XXXX, we still need to work out repayment for the remaining $ XXXX  as well as get our mortgage payment down to a more reasonable 40 % of our monthly income.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: Experian Information Solutions 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 have call XXXX XXXX they provided with a letter that they deleted the chapter XXXX from t their data base experian got it from them no I show them proof an they dont want to deleted they say I have to go to court an get a letter how can they report something that got deleted an is not verify please thats illegal make them deleted it right away they putting excise I have done this already an they dont care they just reply to you guys with lies

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