BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-24
Company: PENNYMAC LOAN SERVICES, LLC.
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I was looking at refinancing my existing loan with the same company. This started at the beginning of XX/XX/XXXX. When it got to the closing disclosures to sign myself and my spouse looked over the documents prior to signing and the numbers looked off and we tried to ask them but they did not explain it well and went in circles making it more confusing. Because of that we chose to take the closing disclosure to two other people who process mortgage loans and they both explained it easily to us and that the numbers did not match the interest rate they were providing. After that we chose not to go through the refinance with the existing company. I politely told the loan officer that we were no longer interested and they sent another email to get us to sign the documents. I again responded that we were not interested in refinancing. They responded that they didn't understand why and tried to explain their numbers again which I replied we were no longer interested and to cease communication regarding it and that any further communication regarding the refinancewould be considered harassment. We then got a call from them to schedule time to go over and sign the closing disclosure to which I responded that it was already stated we were no longer interested and it was now harassment. We got another call from the same person to go over the closing disclosure and I responded again that it was harassment and that we had already requested the loan be declined. On Tuesday XX/XX/XXXX we received a copy of the closing disclosure to sign and return that was dated XX/XX/XXXX after we had told them to decline the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: AAS Debt Recovery, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company continues to harass me by repeatedly calling and sending letters about a debt that is not mine. I have not accepted liability for this debt nor was I notified prior about this. I have asked them to stop but they refuse. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have disputed this ARS account numerous times with experian. This account have not been validated. I have sent a validation letter with the expectation and information that I requested per the validation letter which reads : I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. I have not received the validation information from this company and they are to remove this negative account immediately from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
For the last six months I have changes the bank account to a different Bank account making difficult for paying my credit card due to Bank of America refuges the payments from XXXX, I do not at that time why Bank of America did not accept the payment?

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 2022-07-09
Company: Amsher Collection Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received notice from a credit report agency of an account in collection. The report stated that an account from XXXX was in collection by a company called AmShear. I have not now, nor have I ever had an account, received any services or had any business dealings with XXXX. Furthermore, I have never received any bills or notices of charges or any other similar communications from XXXX and, similarly, have never received any communications from AmShear in regard to any effort to collect any claimed debt. Therefore, until now I have had no opportunity to dispute the claimed debt and yet AmShear has reported it to the major credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: AFNI INC.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This debt collection agency is abusive and verbally aggressive. They will not cease their endless tactics if trying to collect a debt which they have not validated. This company AFNI, appears on my XXXX report and they refuse to remove it, validate it or cease calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: FACTUAL DATA CORP.
State: TX
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:
Inquiries I didn't authorize, I put a fraud alert in my account months ago, the only valid ones are XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: Experian Information Solutions 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:
This is my second time sending a request regarding this issue. I have paid XXXX XXXX XXXX XXXX directly. XXXX cant collect on an account that I have paid with the original creditor directly. See the attached copy of the receipt as account being paid to XXXX the original creditor.

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 2022-07-08
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX Bankruptcy Status : Discharged Date Filed/Reported : XX/XX/2018 Reference # : XXXX ACCOUNT NAME : XXXX  Account # : XXXX ACCOUNT NAME : XXXX Account # : XXXX ACCOUNT NAME : XXXX  XXXX Account # : XXXX ACCOUNT NAME : XXXX XXXX Account # : XXXX ACCOUNT NAME XXXX XXXX Account # : XXXX ACCOUNT NAME : XXXX Account # : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company 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 2020-04-23
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX I received an offer in the mail from Citibank offering 5X THANK YOU points for online purchases through XX/XX/XXXX. On that same date, I called XXXX to enroll in the offer by providing the Invitation Number on the offer. I spoke with a machine not a human. The machine fully accepted the enrollment and advised me to wait a few days to make the purchases. No registration number was provided. 

My Invitation No. XXXX Subsequently, beginning on XX/XX/XXXX I made a series of online purchases, which in the aggregate, would have produced the maximum reward ( XXXX points ) I got my XX/XX/XXXX statement. All the online purchases were on the statement but NONE of the bonus points were there. 

On XX/XX/XXXX I called citibank cutomer service at XXXX pm eastern. Spoke to " XXXX ''. 

XXXX advises me that she sees my enrollment in the offer, she sees the qualifying purchases, and that I will see my XXXX THANK YOU points on my next ( XXXX XXXX statement. 

Today, went online to see my XXXX statement. No statement was apparently created as I did not have any transactions. 

I called customer service. Explained the situation. 

Spoke to someone ( did not get name ) who tells me that according to their records I first registered for this promotion on XX/XX/XXXX not XX/XX/XXXX. 

I explained to this rep. that the XX/XX/XXXX date is the date of my call to customer service not my date of enrollment and that I wanted the XX/XX/XXXX recorded phone call with " XXXX '' played back to me. 

Basically I am getting screwed by the ineptitude of Citibank, their employees and their technical shortcomings.

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 2017-08-17
Company: Experian Information Solutions Inc.
State: NC
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:
I got a letter from XXXX XXXX for a credit denial on a vehicle I never even looked at or applied for, at a dealer that is over an hour away. XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Standard XXXX XX/XX/XXXX XX/XX/XXXX/XXXX XXXX I never applied for this ever I do not recognize this and now I have a hard hit on my credit score and it has dropped by 30 points Also they misspelled my name so I am not sure they have my SS # with someone else and their information - because I have good credit no matter what it shows

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 2018-09-16
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Hi. I have contacted Equifax, XXXX and XXXX several times asking them to update my address to XXXX  XXXX XXXX XXXX # XXXX XXXX, Florida XXXX because all other addresses that are listed are incorrect. They are all still showing incorrect information on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
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:
THIS IS MY SECOND TIME CONTACTING YOU ALL REGARDING THIS ISSUE. Incorrect and inaccurate information is being furnished on my credit report. I do not owe XXXX XXXX nor do I have an outstanding balance with them. see attachment as proof of inaccurate information.

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 2018-08-16
Company: Experian Information Solutions 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:
THIS IS MY SECOND TIME CONTACTING YOU ALL REGARDING THIS ISSUE. Incorrect and inaccurate information is being furnished on my credit report. I do not owe XXXX XXXX nor do I have an outstanding balance with them. see attachment as proof of inaccurate information

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 2022-07-08
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Midland Credit Management purchased an old disputed debt from somewhere and started to aggressively try to collect on it. They called on XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022 with multiple calls through out the day to multiple people. They have started contacting my friends, my next of kin, with multiple call attempts through out the day to them, not just me. They have called from known numbers and from " Anonymous '' phone numbers. They have shared private personal financial information with third party about me, and about this old disputed debt. They have violated privacy laws. 

I have submitted complaint # XXXX and XXXX about this matter, but it seems that CFPB is not for protecting me, it is unacceptable. The main point of contestation is that Midland Credit Management representatives called and discussed my debt and the collection efforts with my next of kin. That complaint got lumped together with the other and there was no action or resolution to my satisfaction. The company responded by providing statements from the original lender. That is not what is the issue at hand. Yes, I have had dealings with the XXXX XXXX clothing store credit card. That is not what I was complaining about. The representative from CFPB sent me those and closed out the case after Midland Credit furnished those to CFPB. What about the infraction of federal laws that prohibit aggressive collections tactics, calling several times through out the day?? What about the prohibition of discussion of the matter with third-parties?? My rights have been violated and the only thing I got from CFPB is that Midland Credit dug up some old statements and sent them to CFPB. That is unacceptable. Yes I have had dealings with that clothing store and their credit card, but I disputed the amount owed with them directly when I returned merchandise to XXXX XXXX, and then disputed the amount owed when I was not given credit for refunds for the merchandise and clothing brought back to the store, that is all irrelevant for the complaint here... I am petitioning that CFPB levy fines for the infractions of violating federal law of privacy and the tactics. My friends and family can and will attest to the fact that Midland Credit representatives called and discussed the matter, back in XXXX when I was avoiding their calls and sending cease-and-desist letters. Their representatives violated my privacy and violated federal laws at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Best Buy Citibank I went to BestBuy to buy an XXXX XXXX. I have XXXX credit score and only qualified for a gold card which is a sub-level card for credit deficient account holders, upon applying for the Department card I was told since my credit history is so poor that I only qualify for the gold card which means I have to pay for monthly financing and a {$59.00} annual membership fee instead of getting 0 % for the first 12 months. This was a deal-breaker I went home to call Citibank to find out why and was told that only because of my name and address was I denied the top-tier level because if it was only for my credit then i would qualify for the highest level. Citibank laughed at my frustration. The supervisor/manager literally laughed at me.

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 2017-08-17
Company: WELLS FARGO & COMPANY
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:
Wells Fargo is incorrectly reporting the status of a closed loan. The account in question is a closed line of credit for {$20000.00} being reported for two ( 2 ) separate negative attributes : 1 ) Late payments made during the life of the loan ( with which we agree ) and 2 ) " Late 30 Days '' on a loan with a {$0.00} balance that is closed. We have repeatedly tried to get the " Late 30 Days '' removed from the report, but Wells either does not understand that there are two ( 2 ) separate issues or they are not bothering to address them both. Again, to point 1 ) WE COMPLETELY AGREE that we were late on some payments for the account but to point 2 ) we are asking that Wells Fargo remove the " Late 30 Days '' indicator from the credit bureau since it is impossible for an account that is CLOSED with a XXXX dollar balance to have a CURRENT STATUS of " Late 30 Days ''. It is unnecessary for them to produce documentation showing that we were late on payments, WE AGREE THAT WE WERE LATE in payments. Rather, we are saying that the loan is not CURRENTLY 30 DAYS PAST DUE.

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 2017-09-09
Company: EQUIFAX, INC.
State: TX
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:
The credit reporting agency, Equifax, announced on XX/XX/XXXX that a hack has impacted my credit history

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: Ability Recovery Services, LLC
State: MO
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I set up a monthly payment of XXXX dollars due the XXXX of each month ability recovery solutions has been taking a payment twice a month after XXXX calls to the company asking them to change the date to the XXXX only they have never verified that they are speaking with the correct individual that owes the debt and are extremely hard to get in touch with i was enrolled for 60 a month after 1 month they said i owed XXXX as i had completed 60 % of the course

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02
Company: EQUIFAX, INC.
State: AL
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:
Due too hippa law information was shared to a collection agency and or 3rd party without my consent or permission!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
PAID TO DELETE ARRANGEMENT WITH XXXX XXXX XXXX. PLEASE DELETE. THIS IS OLD NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: ONLINE Information Services, Inc.
State: NY
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:
On XX/XX/23 I received an email about my credit report score being lower. When I looked into why, I found a collection account of {$1600.00} from XXXX XXXX XXXX XXXX XXXX. I immediately tried calling and them I reported it as fraud on my credit report. I called them once again and was able to speak to someone, who told me the account is for and address in XXXX XXXX- with my name and ss #. I told her I never live there and I don't know anyone who lives there nor did I give anyone permission to use my information to open any accounts. She refer me to FTC and suggested I filed a consumer complaint and that is what I'm doing.

Company response to consumer: Closed with non-monetary relief