BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-20
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX I ask Midland to provide me with documentation that this debt was mines and all They did was send a pre-legal notice that tell me a snippet of they debt. 
on XXXX, I sent the furshier XXXX notice to verify the debt and they send it to Midland and today on XX/XX/21 they send me a copy of a 1 of my statement saying this debt is accurate according to there records.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: Experian Information Solutions Inc.
State: AL
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: Problem with personal statement of dispute

Complaint:
i submitted a dispute with experian on 8 items according to fair credit reporting act 609 ( A ) ( 1 ) ( A ) a credit bureau supposed to have a copy of my signature on a contract on file for the accounts they have listed on my credit report and readily available for the consumer if properly requested as i did .but experian refused to provide me with it  on 5 items and they said they will not reinvestigate the other 3 because they have already investigated but they didnt send me a copy of a contract with my signature on it like i requested according to fair credit reporting 609 ( A ) ( 1 ) ( a )  if the consumer ask for for a copy of my signature on a contract stating that i am indeed the owner of the account it shall be provided but they refused to send it to me and refused to reinvestigate or remove the unverified items according to fcra 611 all items that are not verified must be delete and these items was verified or deleted

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 2022-03-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
Today USAA sent to experian that I was 30 days past due on my auto loan account with them. 
I called and verified with USAA and they said everything was current. They said they cant change reporting.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21
Company: Experian Information Solutions Inc.
State: ID
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 is reporting a charge off from XXXX XXXX  that is not mine. I attempted to correct the problem with XXXX XXXX, which while acknowledging the problem over the phone XXXX XXXX did nothing to remove the bogus account and charged off a balance due that was not mine. Experian did nothing more than contact XXXX XXXX, which verified the debt. In my dispute I suggested that Experian demand documentation from XXXX XXXX that would support the balance due, such as loan documents, account statements, etc. ( which simply don't exist and which I requested from XXXX XXXX  and were never produced ). Experian has done nothing to truly investigate this dispute and has provided me with no information other than XXXX XXXX verified the claim. 
Furthermore, XXXX XXXX, has created a false history to support the bogus debt. I have no accounts with XXXX XXXX and haven't had since XXXX. XXXX shows a payment history up through XXXX on an account that is identified as a 60 month loan, that never occurred. I started receiving notices from XXXX in XXXX and promptly called XXXX XXXX   demanding they fix the error.

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 2019-04-16
Company: Westlake Services, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2019 Westlake portfolio contacted me stating about an account I'm unaware of. I emailed the company my dispute letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am being made to fund my monthly escrow more than double the amount what is owed in taxes. 
In 2018 I was charged over XXXXUSD per month and at the end of year sent a cheque of XXXX USD. 
I requested my mortgage service company and bank for a escrow recalculation and they adjusted my monthly escrow payment by XXXX USD which equates to only XXXX USD a year. 
Despite protesting multiple times and sharing the full property tax statements with them which they settled themselves their response has been completely dismissive and they continue to overcharge me for escrow well over what is required. 

Broadly the breakdown settlements being made from Escrow are as follows : Property Tax - XXXX USD MUD - XXXX LID - XXXX Insurance - XXXX Total - XXXX USD Whereas the annual collections are more than XXXX USD towards escrow which the bank is refusing to adjust despite having settled the taxes and seen the trend of expenditure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
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:
Placed an order online with the Citi credit card on XXXXOn XX/XX/22 the merchant email stated that they are unable to ship until the end of XXXX. I respond and asked them to cancel the order and no response from them. I opened a dispute on XX/XX/22 on Citi website due to no response/item not received. On XX/XX/22 Citi closed the 2 months investigation and reversed the credit. From the merchant 's documentation Citi provided I do NOT see any supporting evidence that the merchant has shipped the merchandise. It looks like a payment confirmation to me. I also went into my order from the merchant 's website, my order is still in process that has not shipped.

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 monetary relief
Consumer complaint received 2017-11-05
Company: International Computer Systems, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I sold my house in XXXX XXXX, and paid all the utilities in full. That was almost 2 1/2 years ago. On XXXX XXXX XXXX I was forwarded a collection letter asking for an additional {$180.00}, for which I had no clue who the creditor was or why. The collection letter was dated XXXX XXXX, XXXX, but sent to a very old address, and somehow, almost 3 weeks later, I received the collection letter. I asked the collection co to the details of the bill ( aka validation of the debt ), and gave them my correct address. On or about XXXX XXXX XXXX, I received a statement, and although I did n't believe the debt was owed, I agreed to pay it, providing that no adverse reporting to the credit bureaus were made. The rep assured me that it had n't, and that they do not report. I asked if I can call back after I verify my reports. I did verify my report a couple of days later, there was no adverse reporting, so I called the collection company to pay the ( disputed ) debt. I was then told that the day after I called to inquire about the debt, which was within a few days of reviewing the validated ( yet disputed ) debt, that they inadvertently reported negative info to the reporting agencies. I asked to be transferred to a supervisor. Her name is XXXX. She refused to acknowledge the FCRA, which provides me time to request and review an unknown debt. She insisted on NOT removing the adverse and premature reporting, stating that she is going by the date of collection letter which was XXXX XXXX, which I received XXXX XXXX, and the validation was received XXXX XXXX. She is wrong and violated my rights, and the law. I have since paid the bill, in full, and wrote letters to the credit reporting agencies with copies of the dated letters. 
The collection company is FIRST COLLECTION SERVICES in Arkansas.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My XXXX  XXXX and XXXX XXXX accounts are reporting inaccurately 1. XXXX XXXX account # XXXX reporting a balance of {$960.00}. the actual balance is {$810.00} and its reporting a 30 days late payment for XX/XX/2019. I have never been late at anytime with this account and need this corrected as I am in the process of buying my very first house. 

2. XXXX XXXX account is reporting a wring balance of {$180.00}. I have a XXXX balance

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 2022-01-09
Company: EQUIFAX, INC.
State: PA
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 recently sent letters to the credit bureaus on XX/XX/2021 and collection companies on XX/XX/2021 and the ignore my letters and my request i made regarding to the negative and inaccurate and inconsistencies on my report. According the fdca and fcra every thing on your credit report should be reporting the same. 
15 U.S code 1681b - permissible purposes of consumer reports ( a ) in general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates Under the U.S code 1681b Permissible purposes of consumer reports I never have you any written consent to report anything on my consumer report. As a consumer by law these account on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state also Ive already involved and sent this letter to the CFPB, attorneys general office and the XXXX XXXX XXXX and Federal Trade commission. 

1. Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 

No consent is IDENTITY THEFT!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: TRANSWORLD SYSTEMS INC
State: AL
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 latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: ALLY FINANCIAL INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
in XXXX this year I attempted to start a new payment plan with Ally financial in regards to my vehicle loan I informed him clearly that I just started an appointment and I was waiting to be paid and I didn't know the estimated time but knew that there may be a long wait process. They agree to except XXXX gor the month of XXXX down and another XXXX to start the new agreement. less than a month later in XXXX they re-put my car by the deceptive practices I had to pay another {$2000.00} to get my vehicle out which would've caught me up for the month of XXXX because that would've been based on plan a out of been completely caught up. so I called and asked him for help and I want up forking out {$2800.00} so now this takes us into by the time I get my check I called him to try to settle up which is XXXX XXXX months after the initial application for unemployment benefits. Never disputing that I owe the money I told him I'm arranging to pay I wanted to know which payment plan on one they had to do their own internal investigation because they couldn't tell me which payment plan I'm on but they gladly locked me out the system so I can not access my financial records and see where my monthly payments were at nor where my current payments were being disbursed. they wanted me just to take their word for and run to XXXX now mind you to pay which is not the normal way to pay so because of all the fraud that's going on of course I'm investigating this myself they come out and repo it a second time and tell me I owe the remainder of the amount which is {$10000.00}. They stated that I didn't send the initial application back from XXXX yeah I never got any paperwork I never got any paperwork from them until they already repeat repeat my car I have a whole bunch of Ally paperwork now flooding through my door. their workers were deceptive and they even charged my mom 's credit card additional in XXXX which means they were calling her and harassing her for the money yet when I call them nobody knows or can answer my questions. I did report them to the Attorney General I contacted the FTC and the XXXX XXXX XXXX XXXX  or something and now I'm looking into a lawyer because I'm technically on welfare right now .I signed up for XXXX to try to increase my credit score however due to these days at the practices my vehicle was sold at auction and there's now harassing me I get phone calls every day told me I owe that money because they sold my vehicle and I told him they're gon na wait till I talk to a lawyer. and I'm a XXXX so by this time I can't even get to work and my kids I've been walking them to or from school. He calls me emotional suffering and find a more financial burden because looking for a job and obviously changes how I can work

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 2019-03-08
Company: Chicago Car Center, Inc.
State: IL
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:
Finance an car with Chicago Car center on XXXX pay it off fully on XX/XX/XXXX It show on my credit report open account I ask to be close and the account was deleted from my credit report I call the finance and told me it was too old the account to be able to do something about it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
A Citibank representative threatened to report my credit card account as delinquent because of a recent fraudulent charge that is still under investigation. 

Citibank is currently investigating a fraudulent charge on my credit card account. The card was cancelled and re-issued at the time the fraud was reported. I have the new cards, as it's been several weeks. 

The Citibank website and telephone system both report a balance ( consisting of the fraudulent charge and its associated foreign transaction fee ) and also that no payment is due. There are no other current transactions on this account besides the fraudulent one. My usual payment due date is still several days away. 

Citibank has not credited the fraudulent amount to my account, nor sent the promised letter so I can provide information for the investigation. On XX/XX/2019, I called customer service, was transferred to the Citibank Security Investigation department, and spoke to representative XXXX. 

This representative asked some questions about the fraudulent transaction, and then pressured me to make a payment on the account while the investigation was pending ( up to two billing cycles. ) I said several times that I would not make any payment because the only transaction is the fraudulent one. 

She said that if I chose not to make at least the minimum payment before my payment due date, Citibank would report my account to the credit bureaus as delinquent and ruin my credit history.

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 2019-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On or around XX/XX/2019 I received an alert that a negative trade line from XXXX XXXX XXXX was reporting to my credit reports. I closed all my XXXX accounts back in XX/XX/2019. This purported debt is from transactions after my account had been closed that were not authorized by myself. Moreover, I never was opted into ANY overdraft protection with XXXX. Further, under TILA, the Michigan Collection Practices Act, Michigan Occupational Code, and the Truth in Lending Act, XXXX has not provided me with any statements, disclosures or the like regarding this alleged debt. This alleged, fraudulent and incorrect account has caused my scores to drop over 100 points, and is preventing me from closing on a loan. 

Lastly, I have filed a police report with the XXXX XXXX Police Department, and XXXX  and XXXX have refused to block this information as required under law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
Company: Security Credit Services, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In a recent review of my credit report, I have noticed some errors. Please make the following changes : XXXX XXXX account # The Date of First Delinquency with the original creditor is not provided. Please provide this. 
The end of the seven-year reporting is not listed. Please provide this. 
Credit Limit is not listed. Please provide this. 
Date of Major Delinquency is not listed. Please provide this. 
Actual Payment Amount is incorrect. Please correct or remove this The Date of Major Delinquency is not listed. Please provide this. 
Charge Off Amount is not provided. Please provide this. 
Incorrect Account Status. Please correct or remove this. 
Original Company Name Not Listed. Please provide this I understand that under the Consumer Credit Act 1974 ( sections 77-79 ), I am entitled to receive a copy of any credit agreement and a statement of account when I request it. I understand a copy of any credit agreement along with a statement of account should be supplied within 12 working days. 
I understand that, under the Consumer Credit Act 1974, creditors are unable to enforce an agreement if they fail to comply with the request for a copy of the agreement and statement of account. 
In the event that you can not verify the details and/or provide the requested information, kindly remove these damaging accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have repeatedly contacted Transunion about a collections account for XXXX to be removed and so has XXXX and the collection company also has contacted them. 
They refuse to do it. They refuse to assist and hang up on me when I call. The last call was today and his name was XXXX who answered and was rude, wouldn't transfer me to a supervisor and hung up on me. He also refused to send me a credit report. They XXXX customers and its awful.

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: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have several issues : ( 1 ) I have been charged by the bank some time since 2015 until today of $ XXXX monthly fee. I spoke to bank manager in XXXX branch by upper west side and I was supposed to get problem fixed. It 's not fixed yet and I continue to incur such loss. 

( 2 ) I make payments on time. I want ALL INTEREST AND LATE FEES to be refunded, OR give me documentation, so I will go to court ( 3 ) I am charged money for XXXX XXXX & for some company named XXXX. I want to have those fees refunded from time of initiation of charge until today. I do n't affilitate with them and did not ask to charge me. If you do n't comply, give me documentation for all these fees, so I will beat them in Civil Court ( 4 ) I want all international transaction fees to be refunded, if any. Give me all transactions, so I will beat in Civil Court.

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