BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-03
Company: John C. Heath, Attorney at Law, PLLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
On or around XX/XX/2019 I called XXXX XXXX to cancel my subscription due to a financial emergency. They offered to suspend my account for the month of XXXX with no additional fees, with the understanding no work would be done on the account, which I accepted. Called to cancel again around XX/XX/2019, with the understanding I would owe 1 month billing. I was informed I was being charged 2 months billings XXXX & XXXX. XXXX I understood, but I was told there would be no work done on the account in XXXX since it was suspended so there should be no billing for XXXX. On XX/XX/2019 I was charged 2 months fees. This organization lied and billed me for no work. Additionally, they dispute accounts in good standing instead of focusing on trouble accounts, in order to prolong the subscription and collect additional fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To whom it may concern : There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Jpmcb XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Jpmcb XXXX XXXX XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look Forward to hearing your response. 


Thank you XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08
Company: Barton Creek Auto Credit  LLC
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 information incorrect

Complaint:
I have contacted XXXX in writing TWELVE TIMES regarding an Incorrect Account they are reporting on my Credit file. I mailed them a letter on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to request a re-investigation for an account they are reporting as Account # XXXX with a creditor named XXXX. They have NEVER responded to me or mailed me any results of their investigation and nothing has changed on my credit report. The information they are reporting is WRONG and they refuse to correct it. They are not even providing me with the contact information for this creditor on my credit report and I have no way to contact the company they allege I owe. That is illegal and a very clear violation of my rights. This debt obviously is not able to be verified and I am DEMANDING that XXXX immediately DELETE Account # XXXX with XXXX from my credit file immediately.

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 2022-07-31
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
MIS-APPLICATION OF BORROWERS LOAN PAYMENTS BY XXXX XXXX TO PAY FOR LEGAL FEES-LOAN ACCT. # : XXXX XXXX LOAN ACCOUNT # XXXX SLS LOAN ACCT. # XXXX. 

I wish to request that the amount misapplied by XXXX XXXX wrongly towards legal fees and expenses disbursements contrary to the compliance requirements of the Real Estate Settlement Procedures ( RESPA ) and its implementing regulation, Regulation X. This also constitutes violations of the Consumer financial Protection AcXXXX of XXXX. 
These monies meant for the purpose of principal payments, interest and escrow ( taxes etc. ) payments were not applied accordingly ; rather used to settle legal fees without any disclosure ( s ) to the borrower at any time. 
XXXX XXXX had accepted that only the sums of {$3400.00} and {$3400.00} was applied from the loan accounts for legal fees/costs and foreclosure costs respectively ( see Exhibits XXXX and XXXX attached ). Howbeit, the loan account activity statement provided by XXXX XXXX specifically for years XXXX and XXXX, clearly confirms that {$22000.00} was misapplied for legal fees and disbursements ( see Exhibits A and B attached ). 
The New York State Laws states that not more than {$600.00} should be expended to recover any debts from the borrowers loan account ( See Exhibits C attached ) In XXXX, the borrower requested that the unutilized balances in the borrowers loan account including the excess legal fees be credited and applied to the loan principal account which was then in arrears of two-months in the sum of {$8600.00}, to fulfil the requirements of the XX/XX/XXXX modification agreement with XXXX XXXX XXXX for the forgiveness of the deferred XXXX principal amount of {$140000.00} conditioned on the borrower not being in arrears of 3 months mortgage payments at any time ( Exhibits 4 and 7 attached ) XXXX XXXX did not resolve my concerns nor honor my request; but instead, immediately : 1 ) Cancelled the loan forgiveness of {$140000.00} stating the borrower had violated the terms of the modification agreement and 2 ) Transferred the servicing of the loan to a new servicer, Specialized Loan Servicing ( SLS ).

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 2022-09-27
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: CITIBANK, N.A.
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
In short I was contacted by  Citi  bank and they have offered mediclaim policy of   XXXX   XXXX   XXXX   XXXX  , in  XXXX  and policy was issued and premium was debited in my credit card and it was paid by me. After that in  XXXX  before expiring that policy I have sent the mail to  Citibank  for not issuing the fresh policy or renew the mediclaim policy.   Even prior information for not issuing the policy they have issued the fresh policy and debited the amount in credit card statement. After that I have sent so many mails not a single mail was replied.   Now two month back I have come to know that Citibank has reported me defaulter and updated in  XXXX  so now my request is this kindly go through the attach file ( all mails sent to Citibank  )  and resolve this and arrange to remove my and my wife name from  XXXX .   For your ready reference i am attaching the word file with all correspondence done with citibank.

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 2022-12-08
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I got a large inheritance in 2 parts. One was in XXXX and one was on XX/XX/XXXX. The forst one everything went ok and when i came with the cashiers check this time for XXXX us dollars it was cleared in one day. Which bring me to today. Checked the app in the morning, check was cleared, went to citibank in XXXX florida and when i got to the teller i asked him for 3 cashiers checks so i could transfer money to my other 3 bank accounts and the 3rd small one for my brother to help him out. The first one was for XXXX for my brother and everything was cool. The second was for XXXX in my name for my XXXX XXXX  account and also everything was ok. The 2 cashiers checks were made and i had them in my hand. He was trying to do the 3rd one for XXXX to put in my name for my XXXX XXXX XXXX account and all of a sudden he said im sorry i have to call to get an ok for this one because its large. He made me wait 5 minutes, came back after 20 minutes and took the 2 chevks that were already made out if my hand and said im sorry were closing your account with no other information. I demanded a manager but they wouldn't send one out. This is a citigold account where theyre supposed to treat you better. They said call customer service to get answers. Now im not living in the states full time, i came specially to get this inheritance, i leave back to my country on monday ( 4 days ) now i dont have any access to my money with no warning and no answers. When i called customer service, same thing. No answer, ill get a letter in the mail in XXXX business days but i wont be here. And about the money ( XXXX ) i wont get itbfor up to XXXX business days. I wont be here. This is disgusting behavior. I did nothing fraudulent and have all the paperwork to prove everything. Even had the trustee call but no one will listen, no one will give any answers. Now im stuck with no access to my money or the money i had in the account before this check and no answers. How can they just do that with no warnings??? At least give me my funds so i can live. This is not a few buck and the cashiers check that i depsoited yesterday cleared. Now ill have to waste thousnads of dollars coming back whenever they do releaze the funds and take a loan in order to survive. Both of which i can not do. I have a business to run and am trying to build my credit. THIS IS SO MESSED UP. I NEED ANSWERS. CAN I TAKE A LAWYER???

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 2022-07-31
Company: Early Warning Services, LLC
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I posted an item for sale through XXXX XXXX for {$500.00}. I soon received a direct message from XXXX XXXX ( email XXXX Registered as XXXX through ZelleXXXX ) ( User name XXXX XXXX ) asking if the item was still available. I responded yes. She then proceeded to ask if I had Zelle in which I responded yes. We then began to have the exchange via XXXX XXXX ( I have entire screenshot of messages ). I received an email from XXXX XXXX  ZelleXXXX  '' speaking about a business account and that I needed to send the overpayment of {$200.00} in order for the initial payment of {$750.00} to be released because I did not have a business account ( I have those emails as well ). In which I did. I then received an email asking for another {$500.00} to be sent to release the hold. XXXX then asked that I send the payment of {$300.00} to XXXX XXXX via Zelle using the email ( XXXX ) in which I only sent {$300.00} because Zelle stated that I had reached my limit for sending money. I was then advised by XXXX to send the remaining {$200.00} to XXXX ( XXXX ) via XXXX in which I did. The funds in the amount of {$1200.00} were never released to my XXXX account. XXXX then requested that I send an additional {$500.00} via XXXX XXXX in which I refused. I also requested a refund via XXXX for the {$200.00} to be refunded via XXXX and no response. I requested the funds be returned from XXXX XXXX XXXX ) and XXXX XXXX in which they have failed to do so.. I was also approached by XXXX in XXXX XXXX ( XXXX User XXXX ) with a similar request... I have screenshots of all interactions with both XXXX XXXX and XXXX .... I have complete emails and screenshots available as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am disputing the following non-XX/XX/XXXX Inquiries on my credit report -- -- -- ( XXXX Inquiry from XX/XX/2021 ) - ( XX/XX/tjxDc Inquiry from XX/XX/2021 ) - ( XXXX XXXX Inquiry from XX/XX/2021 ) - ( XX/XX/XXXX Inquiry from XX/XX/2021 ) - ( XXXX Inquiry from XX/XX/2021 ) -- -- Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report.

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 2022-09-27
Company: CL Holdings LLC
State: SC
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 FCRA re-aging is an illegal act due to 623 ( 5 ) ( A ). This law states : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: EQUIFAX, INC.
State: OH
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:
This collections account is being reported as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. I will need to be provided a copy of my report once its deleted and updated, I do not have any open accounts with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: The Savings Group, Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I received a mailer with a promotional offer from Rategenius ( see attached ) for an auto loan refinance including a lowered interest rate of 2.74 % on XX/XX/2022. I completed the application using the pre-approve offer code through Rategenius, which including a hard credit pull which I confirmed through XXXX ( see attached ). After completion the application process, I was contact by the company ( XXXX XXXX to finalize the loan but was told that that interest rate in a mistake and that they are working to correct the issue. I then spoke with the manager who said the rate is not a guarantee, and that they are not able to offer me that rate, even given my XXXX credit score. I feel this is clearly bait and switch. Ive asked that they undo the hard credit pull, to which they replied that they are not the lender and to instead to contact XXXX XXXX XXXX XXXX. I will also be filing a XXXX  inquiry with this company as well. The business did not agree to remove the credit pull, stating that I had accepted RateGenius ' terms to do so on my behalf. I disagree. Consent was provided on the understanding that I was pre-authorized for a lower rate, which turns out was never available. Their mailer clearly stated on the cover page that I was pre-authorized for a rate of 2.74 %, but after speaking with Rategenius was offered a much higher rate of 6.99 %. RateGenius should provide what conditions would have had to have been met to receive the advertised 2.74 % rate. I believe this marketing practice is a violation of the Deceptive Trade Practices Act ( DTPA ) Sec. XXXX The advertisement is designed to be deceptive and should be changed to reflect a range of potential rates based on market conditions. When I spoke with RateGenius. The representatives indicated that they are fully aware of the market conditions and impact of loan interest rates but continues to send out direct mailing to bait and switch customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
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: Reporting company used your report improperly

Complaint:
XXXX accordance with the Fair Credit Reporting act XXXX 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 explanation
Consumer complaint received 2022-07-31
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
MIS-APPLICATION OF BORROWERS LOAN PAYMENTS BY WELLS FARGO TO PAY FOR LEGAL FEES-LOAN ACCT. # : WELLS FARGO LOAN ACCOUNT # XXXXXXXX XXXX XXXX ACCT. # XXXX. 

I wish to request that the amount misapplied by Wells Fargo wrongly towards legal fees and expenses disbursements contrary to the compliance requirements of the Real Estate Settlement Procedures ( RESPA ) and its implementing regulation, Regulation X. This also constitutes violations of the Consumer financial Protection Act of XXXX. 
These monies meant for the purpose of principal payments, interest and escrow ( taxes etc. ) payments were not applied ; accordingly, rather used to settle legal fees without any disclosure ( s ) to the borrower at any time.

Wells Fargo had accepted that only the sums of {$3400.00} and {$3400.00} was applied from the loan accounts for legal fees/costs and foreclosure costs respectively ( see Exhibits 1 and 2 attached ). Howbeit, the loan account activity statement provided by Wells Fargo specifically for years XXXX and XXXX, clearly confirms that {$22000.00} was misapplied for legal fees and disbursements ( see Exhibits A and B attached ). 
The New York State Laws states that not more than {$600.00} should be expended to recover any debts from the borrowers loan account ( See Exhibits C attached ) In XXXX, the borrower requested that the unutilized balances in the borrowers loan account including the excess legal fees be credited and applied to the loan principal account which was then in arrears of two-months in the sum of {$8600.00}, to fulfil the requirements of the XX/XX/XXXX modification agreement with XXXX XXXXWells Fargo for the forgiveness of the deferred 2nd principal amount of {$140000.00} conditioned on the borrower not being in arrears of 3 months mortgage payments at any time ( Exhibits 4 and 7 attached ) Wells Fargo did not resolve my concerns nor honor my request; but instead, immediately : 1 ) Cancelled the loan forgiveness of {$140000.00} stating the borrower had violated the terms of the modification agreement and 2 ) Transferred the servicing of the loan to a new servicer, XXXX XXXX XXXX XXXX XXXX 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 2022-08-23
Company: I.C. System, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I cancelled my services with XXXX and they said i owed XXXX. I was driving when I was talking to them and could not retrieve my form of payment -- the phone rep. said he would call me back but never did so, I called them and they stated that my account was suspended but not cancelled so they continued the charges with no service. I had switched to XXXX XXXX XXXX. XXXX told me that i owed XXXX which was not correct. I have no problem paying the XXXX but i don't owe for services that were not rendered. I have no access to pay online on the account because when i log in it sends a code to the phone with the services. Since i have no service i can not retrieve the code. XXXX said that they can only accept the XXXX before they can discuss the account with me. They said they suspended the service in case i wanted to reactivate instead of cancelling service.

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 2017-04-26
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Midland Funding is a debt collector. I am in process of paying a settled debt. The payment receipt states that my payments will not resolve the debt. That statement is misleading. The agreed upon settlement amount is reflected in th e receipt  but that one statement mislea ds and discourages further payment.

Company response to consumer: Closed with explanation