BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-09
Company: Experian Information Solutions Inc.
State: CO
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and US BKPT CT XXXX XXXXXXXX XXXX XXXX has violated my rights.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-09-27
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Dear Consumer Financial Protection Bureau, CFPB ( COMPLAINTS : XXXX-XXXX, FILED XX/XX/XXXX-THURSDAY, AND XXXX-XXXX, FILED XX/XX/XXXX-MONDAY ) I AM PROVIDING THE REQUESTED XXXX XXXX  STATEMENT VERIFYING THE XXXX CHECKING ACCOUNT WHERE THE XX/XX/XXXX ( FRIDAY ) CONFIRMED BILL PAYMENT WAS DRAWN FROM WAS NOT " FROZEN ''. The active activity on the account during the months of XX/XX/XXXX-XX/XX/XXXX confirm the account was not frozen. More important, XXXX XXXX   does not have any judgments NOR writs of execution, WOES, permitting levying or " freezing '' any of MY XXXX   ACCOUNTS ( XXXX XXXX ACCOUNT CLOSED XX/XX/XXXX-thursday, XXXX checking account XXXX ). This new CFPB COMPLAINT IS TO PROVIDE THE REQUESTED INFORMATION TO XXXX XXXX AND INCLUDE WRITS OF EXECUTION FOR THEM TO ACT UPON. IN ADDITION, THIS LETTER IS TO DEMAND CORRECTION OF CREDIT REPORT AND DEMANDING IMMEDIATE CESSATION OF THEFT AND FRAUD ON XXXX XXXX XXXX ACCOUNT FOR ( MY XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX. I DO NOT OWE you, XXXX XXXX, {$270.00}, I HAVE MADE 14 TIMELY PAYMENTS ( OF 48 TOTAL PAYMENTS ) STARTING XX/XX/XXXX-SATURDAY, TOTALLING {$11000.00}, AND THAT REQUIRES ACCURATE REPORTING TO ALL 3 CREDIT BUREAUS. XX/XX/XXXX ( FRIDAY ) AND ALL FOLLOWING MONTHS PAYMENT WILL NOT BE PAID UNTIL CORRECTION BY XXXX XXXX XXXX  HAS PROFESSIONALLY BEEN MADE AND MADE PERMANENTLY. IN ADDITION, XXXX XXXX XXXX, MISS XXXX, MS. XXXX, AND MS. XXXX ARE NOT TO CONTACT ME. I am in receipt of a letter from Ms. XXXX refusing to make the required corrections. A telephone conversation on XX/XX/XXXX-Thursday at XXXX with Miss XXXX requesting XXXX XXXX STATEMENTS DOCUMENTING THE XXXX XXXX   CHECKING ACCOUNT NOT FROZEN IS INCLUDED ( ACTIVE ACTIVITY ON ACCOUNT DURING THE MONTHS OF XX/XX/XXXX-XX/XX/XXXX ). I have included the payment history, and PAYMENTS HAVE BEEN FAITHFULLY AND TIMELY MADE WITHIN 10 days of the XXXX of each month since THE VERY BEGINNING ( initial purchase date of XX/XX/XXXX-Saturday ). THE NEGATIVE, ADVERSE, INACCURATE CREDIT REPORTING ( IN ERROR ) OF DELINQUENCIES IS AFFECTING MY CREDIT SCORE AND CREDIT WORTHINESS. EFFECTIVE IMMEDIATELY : REMOVE ALL DELINQUENCIES, LATE PAYMENTS, ETC., FROM ALL 3 CREDIT BUREAUS ( XXXX, XXXX, AND EQUIFAX ) AND XXXX. XXXX IS REPORTING A CREDIT SCORE OF XXXX. This correspondence is to officially affirm to CEASE AND DESIST with any further ADVERSE INACCURATE CREDIT REPORTING effective immediately in accordance with " Fair Debt Collection Practices Act '' ( in 15 U.S.C. 1692 ). XXXX XXXX XXXX YOU ARE IN VIOLATION OF 15 UNITED STATES CODE, U.S.C., 1692 AND YOU OWE ME {$1000.00} FOR EVERY MONTH YOU FAIL TO TIMELY MAKE CORRECTIONS Sincerely and Respectfully, XXXX XXXX XXXX  Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: EQUIFAX, INC.
State: SC
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:
Please remove the fraudulent addresses from my credit report. They are reporting inaccurately on my credit report. 

XXXX XXXX XXXX XXXX SC XXXX And XXXX XXXX XXXX XXXX SC XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-27
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2019-09-27
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have asked my mortgage company to cancel my HO Flood and Insurance for 18 months. I have written letters, emailed and nothing. I complained via the CFPB. 
They responded ( incorrectly to part of my complaint ) and ignored the remainder. 
Then closed it erroneously. 

My previous Mortgage company had forced me to have HO Flood and HO Insurance on threat of Lender placed insurance. FAY have basically totally ignored my requests to sort out the insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: CCS Financial Services, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We have tried to reason with XXXX XXXX XXXX, XXXX several times by phone and written communication. XXXX refused to close our account with them saying our phones would no longer receive calls or make outgoing calls. We informed them our number was no longer registered with them as we had another service provider. 
Please find documentation of the transfer and closing attempts we made with this company to transfer our telephone lines to a new company. We made phone calls and we were threatened by this company in an effort on their part to intimidate us into continuing with them. We learned from our new telephone provider that we cant cancel the IP address even though we tried. It must be cancelled by the new telephone provider. The new provider obviously did that on XX/XX/2020 as phone calls were coming from their IP address from that day forward. We cant have two telephone companies providing the same service on the same lines. 
We have made every attempt to convince XXXX XXXX XXXX, XXXX that we didnt need their service after XX/XX/2020. We paid for all services up to and through that billing date. They have not provided our telephone service therefore we do not owe them any money. We have tried to communicate that to XXXX XXXX XXXX XXXX but they continue to bill us first through our credit card company, which we finally had to close and the through billing and now through Credit Collection Services. Attached is our phone log with their number when we first contracted them and subsequent phone calls. We also called on a cell phone at a later date to demand the closing of the account. At that time they insisted we keep it open until they investigated further. They just kept billing us through our credit card company. We contracted our credit card company to complain and eventually had to close the account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Knowing my rights as a consumer Capital One has continued to harass and try and force me into paying a debt, along with involving third parties to invade my privacy and consumer rights while trying to damage my annual credit report with false accusations and I will not stand for it at all. 15 usc 1691a ( e ) and ( f )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-02
Company: CITIBANK, N.A.
State: NE
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have an CD with Citibank for years. We usually receive a letter at the end of maturity term that I have 7 days to take action else it will auto renew. We thought to continually keep it on CD so that it auto renews. 

Now, we have received a letter asking us to take action on CD to renew or withdraw. When I call the customer care, the customer care supervisor was very rude and states that my account has become inactive and if it does it automatically goes to state. To the record, I have been very active and all my direct deposit and my credit card is with the same bank and the CD is being tied to the same account as well. In addition, I see the interest income has been added to the CD for transaction. I don't understand how a CD will become inactive with no transaction while the entire purpose is to keep the CD for interest at maturity. I have called in couple of times and wrote a letter as well but no luck and no intent has been taken by any of the customer care executives nor the supervisor to help me when I really want the money. Lastly, they keep saying that they have sent me many letters but i have not responded. I have not responded because it says it auto renews and no action necessary. 

I am still trying my best but no luck so far!

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 2019-09-27
Company: Bull City Financial Solutions, Inc
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Once again, I claim extortion against bull city collections and XXXX XXXX  these companies know I have paid my old XXXX XXXX bill off. The bill was in the address XXXX XXXX XXXX, XXXX, Ohio XXXX. The balance of the bill was {$170.00}. Anybody that has XXXX XXXX in their name know you can not obtain new service in your current new address if you have an outstanding bill with XXXX. Bull city collections is mad because XXXX receive payment without their services ... 
Monies that were paid to XXXX well as XXXX not professionally contacting bull city collections. Either way none of its my concern. My business was with XXXX XXXX and I paid XXXX what I owed in order to get new service at the address I am contacting your agency from which is XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX, Ohio. XXXX. 

XXXX  is no better they refuse to accept black & white as well. XXXX  be wrong with these companies setting out to ruin people lives when in fact we as consumers works too XXXX hard to get back on your feet credit worthy wise SERIOUSLY ; Please review the documents in the attached complaint. there was a payment made XXXX. XXXX XXXX  credit billing offices can verify that payment had to be made in order for me to get service. XXXX billing offices sent current payment info to 2 credit bureaus XXXX and XXXX. Both XXXX and XXXX listed XXXX XXXX  debit in the amount of {$170.00} ( Status PAID! ) Apparently, XXXX did not contact XXXX  or Bull City Collections and if XXXX did indeed contact XXXX  then its XXXX  refusing as I mentioned above refuses to post current XXXX payment info on my credit report as paid. 
XXXX and XXXX it shows on my credit report which is in black-and-white that this payment of XXXX was made bull city continues to try to extort money from me this needs to stop human air is divine when you have several people working on accounts things get twisted up and confused. I am so sick of this please get these monsters off my back! I paid the bill with XXXX XXXX make them remove that from my credit report I will keep fighting and not let these people know I may because Im working too hard to do better I will not tolerate please remove there are documents attached shows proof the payment was made. Creditors and collection agencies refuse to respect documents current documents this can not be allowed please contact these people with the necessary evidence tired of trying to talk to them as if I am blue in the face seriously!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX had gotten a Warrant in Debt issued back in XXXX. I was not served said Warrant in Debt until XX/XX/XXXX for a court date that was scheduled for XX/XX/XXXX. When I called XXXX   XXXX XXXX, I was told by XXXX, that I did not need to show up for the court date that they would non-suit the case and send me repayment options. I never received any communications from XXXX   XXXX XXXX regarding the repayment. On XX/XX/XXXX, I called and spoke to a few representatives at XXXX XXXX, only to be told that they had non-suited the garnishment order and that they had mailed me the repayment options. Nothing was received. I called again on XX/XX/XXXX and was told the same thing. On XX/XX/XXXX, I received a credit alert from a monitoring service stating that they had taken out a judgment. The judgment was marked paid in full after contacting the CFPB regarding the matter due to XXXX XXXX using false statements to garner the judgment. 

I have contacted the CFPB on this matter several times. On XX/XX/XXXX, I received notification from my employer that I had a wage garnishment issued by XXXX XXXX on XX/XX/XXXX. I was never given any paperwork regarding the garnishment order other than an electronic copy of the garnishment issuance from my employer ( XXXX 's XXXX XXXX ). The garnishment was placed in effect on XX/XX/XXXX. On XX/XX/XXXX, I contacted the CFPB due to both XXXX XXXX and XXXX XXXX having made ZERO contact with me in the process. After contacting the CFPB, on XX/XX/XXXX and XX/XX/XXXX, the money garnished from my wages,, totaling {$470.00}, was paid back to me by my employer per a resolution that was reached by the CFPB. 

Now on XX/XX/XXXX, I received yet another writ of garnishment from XXXX XXXX regarding this same matter. I have not received any contact from XXXX XXXX over this matter, nor have I received any contact from the " XXXX XXXX XXXX XXXX '' group who is representing them. The only notice I was given of the writ of garnishment was an electronic notice from my employer. The notice states that they are deducting 25 % of my wages from XX/XX/XXXX until XX/XX/XXXX. The notice pointed to a court record which is a hearing date which is scheduled for XX/XX/XXXX. XXXX XXXX and XXXX XXXX both have actively sought out a garnishment without having a hearing prior to the matter, and XXXX XXXX has already had a resolution in place regarding this issue as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: TLP Mortgage Advisors, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Dear Lending Partners ... how can I forget you all! You guys were my first mortgage loan servicer for the FHA loan when I first bought my house. I have been extremely happy by the service you provided me. I would like to report to you joyfully the following : 1. In XX/XX/XXXX you serviced an FHA mortgage loan where you claimed a loan number to be XXXX. 
According to my credit hostory report it was a XXXX XXXX loan with no mentioning of payment amount. 
According to the home insurance company it was a XXXX loan with the account number XXXX XXXX. According to your closing statement, the escrow was paid from the loan you serviced. 
The other report is showing that you did not pay any escrow from the loan you serviced at all! 

3. You executed a HUD 1 Settlement statement that says that I have authorized you with the holy responsibility of getting another XXXX XXXX loan for the future and also a XXXX FHA loan to refinance your loan after that! 

4. You fraudulently executed a lien release in conspiracy with XXXX XXXX saying that I paid off your deed of trust and then XXXX XXXX Fraudulently transferred my title for that. The executed a fraudulent deed in lieu of foreclosure for that in XX/XX/XXXX and stole the title!! 

5. How could you, o my dear lending partner, let XXXX XXXX take my title and let them satisfy their eternal hunger for Mortgage Backed Security!!! 

6. What damage did I cause you, O dear lending partner, that you destroyed my title record and did all these mortgage fraud!!!! 

7. I am trying to find out how many lawsuits now I should file against your company O dear lending partners. 

Before you meet us with the other buddy XXXX XXXX ... .do you have any last minute well wishing for me? 

Please let me know ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: TD BANK US HOLDING COMPANY
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
When logging on to my online Target Red Card account on XX/XX/XXXX I noticed an odd pending charge. Since I hadn't left the house in a month and I've never purchased anything online with Target, I used secure messaging within my online account to notify Target of the possible fraud. I also tried calling the number listed on my Target card but could not get through. ( 40 minutes on hold, then the call would drop. I attributed to the lack of service reps to the ongoing pandemic. ) Target replied via the secure messaging the next day that the charges were authorized and then moved the charge from pending to approved.

I replied back using the secure messaging within my account that 1 ) no the charges were not authorized, that was the point of my original notification, and 2 ) more unauthorized charges were being made. 

Target replied back that they could not help me and to call XXXX. Thinking this was a special credit card fraud number instead of the customer service number I couldn't get through earlier on, I called immediately. Instead of help I was treated to a solicitation for roadside assistance. If I didn't participate, I didn't get to talk to a human. 

I notified Target, via secure messaging again. They replied back basically to keep trying to call and to wait for my statement to be mailed to me. Meanwhile, more charges were popping up on my account. 

I dug around the Target website and found an email listed on their website for reporting - XXXX - which I used to email Target and beg for help in stopping the continuing charges. I still haven't heard back. Not even an auto-reply that acknowledge receipt. 

I reached out via XXXX and instead of helping Target responded back that I should check with my bank. I found that odd because my bank is a credit union and has at no time in it's history distributed Target Red Cards. I replied back to their message, saying I am not having any trouble with my bank or any other credit card but Target 's credit card, but have not heard back. 

Today is XX/XX/XXXX. Charges are still appearing on my card as they have every day since I originally alerted Target. I have contacted Target by every means available to me. I've screenshot all the information. I am bewildered that not only is Target not proactive in keeping my account safe, Target is actively blocking my reports of theft and fraud. 

Please, please help me. Every single day more charges appear. I can't get Target even to acknowledge the fraud, much less stop it. I don't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: Experian Information Solutions Inc.
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 information incorrect

Complaint:
XXXX XXXX XXXX i didnt open no credit card no bank account no credit in stores my ex girl friend stoled my id my ssn and all my info besides i calledto evvery biller and they still had the accounts open. 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 2019-09-27
Company: DISCOVER BANK
State: MO
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 was defrauded by this business. I was charged {$39.00} to renew my phone service as stated but two days later I received a receipt showing additional fees that totaled {$45.00}. Then I received another email trying to defraud me again saying I had to pay about {$60.00} to cover 911 service in my area. I checked with the XXXX XXXX XXXX police department 911 service and they said that was a lie. I never used their service and tried to cancel it after finding out these facts. They refused to cancel this service. Discover cards own policy allows for charge backs when the amount agreed on is different then the amount charged. I did not know the overcharged me until two days later when I asked for a receipt for my purchase. The FTC said it is a violation of the Truth in Advertising act. Likewise, the credit card company is charging me interest even being they are violating the Truth in Lending and Fair Credit Card act. The last time I emailed them on their website was XX/XX/2019 refusing to provide me a charge back under the law.

Company response to consumer: Closed with explanation