BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-10
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX/XXXX/XXXX I sent Diversified Recovery which appears on my credit report a dispute verification letter which states I 'm Deragotory, I owe {$270.00} am in collectins in reference to a XXXX XXXX acct XXXX. As I was checking around my previous credit reportI came across on XXXX dashboard the XXXX has been under enhance and XXXX/XXXX/XXXX removed XXXX XXXX XXXX/XXXX/XXXX was removed that is XXXX.Now I see is Diversified Recovery.I thought the accouunt was alrerady removed from the XXXX credit bureau XXXX, XXXX, XXXX of XX/XX/XXXX.The correspondence I received XXXX/XXXX/XXXX was a lettter acknowledging my dispute a back last bill page that I owe XXXXBill period XXXX Bill date XX/XX/XXXXbut no validation, proof or contract.I sent out a XXXX dispute letter to diversifiedafter 31 day and they sentmethe send tim.e aroundon XXXX the same letter and last bill page all they did was put a different date.on the credit report Diversified Revovery is re-aging this XXXX acct. as first opened XX/XX/XXXXor XXXXon XXXX reported XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX, and XXXXXX/XX/XXXX. I have checked XXXX and Score sense ... .Is n't this a Violation? I THINK SO!!! I have had XXXX from XX/XX/XXXX until now

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: EQUIFAX, INC.
State: GA
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 following items are incorrectly reporting on my credit file : XXXX  - Date Opened : XX/XX/XXXX ; Bal : XXXX XXXX - Date Opened : XX/XX/XXXX ( XXXX  ) ; XX/XX/XXXX ( Equifax ) ; Bal : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: Diversified Consultants, Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
The account just appeared in my credit I have never received ANY written notice prior to being listed to my credit, also I have made several attempts to complete ID theft and they still have not sent verification of debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: EQUIFAX, INC.
State: VA
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. 
XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17
Company: Certegy Holdings, LLC
State: ID
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
Certegy is not allowing stores to cash Verified XXXX XXXX XXXX XXXX Money orders by stopping said money orders from being cashed. 
Then when calling their number they want to do back ground check on caller and send reports free XXXX starts requesting ID, Social Security number etc of Caller plus receipt number for issue. 
They are a 3rd party ( phishing ) company posing as a verification processor servicing to many companies Idaho. 
I want them to cease and desist business of all reports against me and other individuals in Idaho. If money orders are good and person cashing is person money order is written to Verifible money Order should not be stopped from being cashed. 
This can cause illegal unnecessary lawsuits against XXXX XXXX which guaranteed XXXX Money Orders. 
For the pain & embarrassment I should receive {>= $1,000,000}. Per occurrence of Certegy action against legal cashing purposes.

Certegy is now formally asked to cease and desist all information gathering when it comes to me cease and desist all reports against my person or family

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 2015-07-22
Company: LD Holdings Group, LLC
State: DC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My husband and I recently refinanced with LoanDepot. I went to set up an account tonight for our mortgage online at their servicing website https : //loandepot.loanadministration.com/ and am not at all confident in their security practices. For example, they do not allow special characters in passwords, which is a standard security practice. Were this for any other financial product, I 'd " vote with my feet '' and take my business elsewhere, but I feel stuck with their inadequate web security practices, since they own my loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: HYUNDAI CAPITAL AMERICA
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
In XX/XX/2020 we leased for 36 months a XXXX XXXXXXXX on a Single pay lease. We paid on the day we signed for the Single pay lease XXXX. After 19 months into the 36 month lease the car was totaled. The car cost XXXX the day the car was leased. My insurance company paid XXXX to Hyundai which is what Hyundai asked for for the car. Hyundai refuses to refund us for the 17 months of monies that we paid in advance when we purchased the single pay lease for 36 months.. We have called several times and sent a letter. Hyundai hung up on us and have not responded to the written complaint.

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 2016-02-02
Company: MB FINANCIAL, INC.
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
I had my closing on Thursday, XXXX XXXX 2016, and I received my paperwork beforehand and was quoted to receive {$680.00} at closing. We I went to closing the lawyer gave me a check and I did n't look at it during that time. We I looked at the check it was for {$620.00} and I thought maybe the financial bank made the mistake, then when I received the same paperwork in the mail I came to the realization that the lawyer gave me less money than I was suppose to receive. My closing attorney XXXX and this is where the check came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: CITIBANK, N.A.
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
The issue is a former complaint about a credit card fraud control attempt to authorize a charge for my phone bill to XXXX and has become frozen and blocked to prevent fraud. i have received multiple attemps to collect my information without reason, after i felt I have identified myself and have continued paying the debt owed,XXXX now to XXXX USD to CITI simplicity credit card services. i have received XXXX. The card company and agents wo n't identify me and will not close the account so I can just pay the money back and refuse the invitation that got me this situation in the first place, a mailed invitation. I 've now lost or stolen the card from somewhere and the fraud service will not cancel the card until I am identified over the phone and using my social security card, license, utility bill and other forms of identity, like fraud. I have included documents. Letter from predsident a case number : from cc : Consumer Financial Protection Bureau 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 2022-05-17
Company: Affirm Holdings, Inc
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
a little before XXXX I was buying a ring for my fiance to get marred on XX/XX/XXXX, I was supposed to receive ring on XX/XX/XXXX, but my mom told me she didn't receive anything at her address at all and I shipped the ring to her address. They also told me that my ring was shipped to a store when I didn't get it shipped to a store at all. During this time, I was out of town with my fiance showing her time before I proposed to her, but I couldn't cause I didn't have the ring I wanted for her. I had to buy a whole norther ring for her and they trying to charge me with something I didn't get. I'm not paying for nothing I didn't receive at all. They are absolutely wrong for that, and they still want me to pay. I paid some payments off when the ring was shipping that's why there are payments, and the rest are payments I didn't pay because I didn't receive the ring at all!!!. I ALSO EMAILED THEM AND THEY DIDNT CARE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: CONTRACT CALLERS INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account is not valid nor is it mine. I have never lived at the address associated with this XXXX XXXX  account and request that this inaccurate information is deleted off of my credit history. I have only resided at XXXX XXXX XXXX XXXX XXXX, GA XXXX. Any and all documentation that I have can prove this to be in fact true. This account is fraudulent and no debts owed. I have filed disputes against this company with no correspondence in return for the past year.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: PROVIDENT FUNDING ASSOCIATES
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My monthly mortgage payment went up from {$560.00} to {$1000.00}. Although property tax went up, this is excessive escrow reserve. Provident Funding is  collecting too much payment for escrow.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I recently just got my first auto loan from my lender Santander and when trying to make a payment I noticed that there is a convenience fee of XXXX using either my bank account or a credit/debit card. It seems the only way I can avoid such a fee is by mailing a payment in or setting up automatic bill pay which I am not able to do because of my payment schedule. I also live in the state of Florida in which I believe such fees are illegal as per statue XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: ID
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 received an item that I did not order and the retailer charged my credit card. I disputed the charge with my credit card company, following their process. I provided all available documentation in timely fashion when my credit card company asked for it. My credit card company initially put a hold on the charge, but after a few weeks they removed the hold and said I must pay the charge because I didn't provide the documentation they requested. Because I actually had submitted everything they asked for, I called them by phone to appeal this decision. The customer service rep said he would have the case re-opened. However, several weeks later I have received no follow up from the credit card company. 

I need them to remove this charge from my bill. I did not order the item.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: ResidentCollect, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Innovative Recovery is reporting a debt to my credit files. I have not received any information concerning this and contacted the original creditor. 

The original creditor informed me they did not have any information regarding this debt and that they do not do business with Innovative Recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: M&T BANK CORPORATION
State: MD
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
On XXXX/XXXX/2016 I accidently sent a payment to M & T Bank to a closed loan ( XXXX ) from XXXX. This was my mistake. I called M & T Customer Service multiple times and was told it would be returned to XXXX XXXX Bank. It never was returned. On XXXX/XXXX/2016, I called M & T again and was told sorry the money was still at M & T. To speed things up they could put in a checking account at M & T within 48 hours. As of XXXX/XXXX/2016 I still do not have my money back, and they now refuse to tell me when I will have my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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.1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX -- --. 
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 an account without 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 with antedates the report by more than seven years.15U.S.C.1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to 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 2022-05-17
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX # XXXX in accordance with the Fair Credit Reporting act 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-08
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
The company has been offering me help with customer services as credit or loans that i urge to help my family and my little baby coming. My credit some how is just killing me with all fake companies abusing my credit info. I have maybe 2000 screen captures and info from XXXX helping me fight debts i dont even know what happened. I try to get some help getting some stuff but i just feel help less and suffering XXXX XXXX makes this controversial experience of abuse towards me a XXXX. Saturday XX/XX/XXXX. XXXX XXXX  The One who wants to make a change in this world I would love to see from others.

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 2015-10-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card
Issue: Billing disputes

Complaint:
I contacted Capital One to file a dispute on a charge that showed on my account. They asked me to send in all info supporting my claim and get it to them by XXXX XXXX. I received a letter dated XXXX XXXX that my claim was declined. I firmly believe that Capital One never investigated my case as they should have. I sent in all the correspondence showing that I cancelled. I sent them the company cancellation policy. Even after this, the Manager I spoke with was bold enough to ask me for a copy of the cancelation I gave to cancel the service. I sent them the email proof that my registration was not completed which was the first reason why i should not have being charged. Capital One did not fulfill their advertised {$0.00} fraud liability which was my biggest reason for confidently using the card at all times. They were professionally inept

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: CITIBANK, N.A.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Two fraudulent applications were sent in to open credit card accounts using my information. The hard inquiry on my credit report is what prompted investigation and then I received letters from both companies that the credit cards were ( thankfully ) NOT approved. Upon calling both companies they did have my SSN #. 
1. Hard inquiry XX/XX/XXXX for XXXX XXXX XXXX, letter received indicating program fee was returned unpaid and account would not be open. Contacted XXXX XXXX customer service XXXX and they confirmed no account was open on XX/XX/XXXX. 
2. Hard inquiry XX/XX/XXXX for Citi card, letter received that application could not be approved due to missing info. Customer service was no help and I could not get any clear assistance from multiple operators. I tried to XXXX fraud department for Citi and it was the same basic phone number. Credit Bureau dispute entered to remove this inquiry and a fraud alert has been placed at all bureaus.

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 2017-03-02
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
My account with this company charged off the total amount of {$2600.00} three years ago. since then it is still being reported tot he credit bureaus as an active amount and i just received an alert from equifax today. 
XXXX/XXXX/2017 XXXX - Account InformationArchive this alert |Hide alert details The following changes were reported for your XXXX account : Balance Amount Changed from {$7800.00} to {$8700.00} Past Due Amount Changed from {$7800.00} to {$8700.00} How can a charged off loan grow {$970.00} in one cycle and grow {$6000.00} after it was charged off? 
They are the definition of predatory lending and should be sactioned!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I am a student who stuck in auto loan with SANTANDER CONSUMER USA 1. i got approved when dealer VWalhambra and SANTANDER make a deal for me. 
2. in program 1st time buyer + New car 3. Dealer does n't asking or give an information about gap 4. Bank approved with 23.76 % interest + NO GAP for new car loan. 
5. 1months and 15days later The car running now and system lock all tire in the same time Airbag from wheel front of me pump up still got luck because my arm protect my face while i turned off the freeway. 
6. I keep pay on time until Bank give me the final total that still owe..around $ XXXX+ 7. I tried to talk with bank that i want them to show how much they got money from insurance and Why i do n't have gap for covered for a new car?? 
8. They keep said that I told them I do n't want but that 's not true. Deal between SANTANDER AND XXXX 9. I confused and I ca n't do anything and Which Company Could help me? 
10. XXXX put {$2000.00} on XXXX but they do n't put on GAP. 
11. i got a new car for 2 months and stuck from XX/XX/2015 till now 12. with Higher interest and Dealer not respond anything like they was n't wrong. 
13 Am I wrong? that I never know about gap or about the processed and insurance from XXXX No agent because i did online nobody give me an advice. 
14. How do i know that i need gap insurance if I do n't have an accident and My car was totaled. Until when i will know??

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-23
Company: Green Square Company LLC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Premier Recovery Group has been contacting me without properly displaying their company name and phone number on my caller ID. Most recently, XXXX XXXX, 2015. They also failed to identify the company 's name and spoke faster to the point I could not understand.

Company response to consumer: Closed