BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-10
Company: CITIBANK, N.A.
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
To whom it may concern,Citi of XXXX XXXX, NY found at online.citi.com mistakenly withheld federal tax on my personal savings account ending in ....XXXX for the amount of XXXX on XX/XX/2019.  They have neither reimbursed me nor issued a provisional credit and are in violating my rights afforded to me under Regulation E.  Initially I thought that maybe there was a new rule or requirement that they do so but that was not occurring on other accounts with other financial institutions.  I decided to inquiry to understand what that may have occurred.  On approximately XX/XX/2019 I reached out to them via in app messaging.  I was connected to "XXXX" at XXXX.  XXXX  told me that withholding tax takes place on accounts that are not W9 certified.  When I started asking questions they realized that "this is bank's error and we are now in the process of fixing it."  On XX/XX/2019 my monthly interest payment was applied to my account but the withholding still was not corrected.  I contacted them again on XX/XX/2019 via the in-app messaging and was connected to "XXXX" at approximately XXXX.  Jo said they were aware and I "may" get the money back by end of year.  I asked for clarification and was told they "are working on it" and have no firm date.  It seems apparent that they have resolved the issue which causes the system to withhold future tax as it did not occur in XX/XX/XXXXbut they have not made the customer, me, whole.It is my belief that they performed an electronic funds transfer in the form of a withdrawal from my account without my consent and in error.  Pursuant to Regulation E they have 10 days to resolve or issue me a provisional credit.  As they have identified the error they are required to fix it within 1 business day.  None of these actions were taken therefore I am filing a complaint of Regulation E violation.Thank you,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 2021-11-12
Company: Navient Solutions, LLC.
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: Investigation took more than 30 days

Complaint:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-11
Company: RS Clark and Associates, Inc.
State: LA
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:
The credit reporting agencies allowed a merchant to file a negative report against me without any valid evidence. I explained to the merchant that I have never lived in their apartment complex. After failing to convince them that I was not a residence and that I own a home, I ask for a lease contract with my signature and was send an itemize bill with my name typed into it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
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: Information belongs to someone else

Complaint:
i have been disputing items on my credit report since XXXX XXXX i have sent proof, i have sent affidavits, i have sent police reports as well as ftc reports. i have requested proof of application or signed contract that were filled out when accounts were open because they were being reported inaccurately. the 3 agencies have only replied with generic responses. According to FCRA 1681e ( b ) consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information contained in a consumer report. XXXX, Equifax and XXXX continue to violate by willfully and negligent non compliance with any duty imposed by the FCRA. I have continue to fight but i need your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
i have been disputing items on my credit report since XXXX XXXX i have sent proof, i have sent affidavits, i have sent police reports as well as ftc reports. i have requested proof of application or signed contract that were filled out when accounts were open because they were being reported inaccurately. the 3 agencies have only replied with generic responses. According to FCRA 1681e ( b ) consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information contained in a consumer report. Transunion, XXXX and XXXX continue to violate by willfully and negligent non compliance with any duty imposed by the FCRA. I have continue to fight but i need your assistance.

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 2015-05-08
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I received a motion to transfer letter from XXXX, XXXX, XXXX XXXX XXXX XXXX on or about XXXX XXXX regarding a hearing for such request on XXXX XXXX. On XXXX XXXX I contacted XXXX, XXXX, XXXX XXXX XXXX XXXX regarding the letter - to get additional information as to what this letter was and what it was in regards to. I was told that a judgement has been entered and I could settle. I told the representative that this was the first letter received from their firm and ask would they accept a flat settlement and what was the amount due. The representative told me I or someone at my home had been served - this is false. I did not receive a summons or any other correspondence from this firm or the collections agency they state they represent - Midland Funding LLC. This letter regarding motion for transfer is the first correspondence received from XXXX, XXXX, XXXX XXXX XXXX XXXX at my address. The representative attempted to contest this and stated either way I would be responsible for the original debt and court cost and would need to pay such to vacate the judgement. 

I 'm left with - no verification of the debt, no verification as to whether this debt is truthfully even actionable against me in court, and minimal recourse other than to pay up front.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Specialized Loan Services, XXXX. Purchased/acquired my mortgage loan, and from XX/XX/XXXX, and XX/XX/XXXX ; I had sent payments on the amount of {$470.00}, However on XX/XX/XXXX they will raise my mortgage payment to {$480.00}, they increase my payment XXXX dollar per year. I could use these on my XXXX dollars {$8.00} on laundry machines ; and to pay {$40.00} co-payment with my Endocrinologist. 

I have not received SLS Mortgage interest statement and or my property tax bill paid.

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 2020-04-15
Company: EQUIFAX, 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 information incorrect

Complaint:
I have a Student Loan that was transferred to XXXX. The last payment was XX/XX/XXXX which was a co-signer release. I never received information in whether this was approved or not. I cant tell if it was applied to my balance. The account had since been closed and charged off. The private loan is still reporting as if the account is open. On my equifax report, it shows my last payment was XX/XX/XXXX. This is incorrect. It has since this date been reporting negative as well as charged off. This is like double jeopardy. This makes no sense. I have requested that the company fix this several times. Because of this, I believe this account should be deleted from my record. This is unfair treatment to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I reached out to the credit bureaus regarding false late payments reporting on some of my accounts on XXXX XXXX. They never sent me information about the investigation results, and did not fix the problems. They dimply added a comment that says " Consumer Disagrees. '' I know this was in fact an automatic verification and not a true investigation, because I was never late on these payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I reached out to the credit bureaus regarding false late payments reporting on some of my accounts on XXXX XXXX. They never sent me information about the investigation results, and did not fix the problems. They dimply added a comment that says " Consumer Disagrees. '' I know this was in fact an automatic verification and not a true investigation, because I was never late on these payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: AR
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:
sent for and received a copy of my credit report, and it shows me to have lived in California. I have never lived in California in my lifetime.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20
Company: STANDARD MORTGAGE CORPORATION
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
It began when my mortgage company paid my taxes out of my checking account instead of escrow (   XXXX   ) ( {$1300.00}. ). My account was on autopay so I thought that this amount was my monthly payment for   XXXX   XXXX    . When I received a late payment notice, I then had to come up with   XXXX   XXXX    payment and late fees. Pd.  XXXX . Offsetting  XXXX  and  XXXX  payments. I remained in contact with  XXXX   XXXX  @  Standard  Mortgage to make payment arrangements. On  XXXX   XXXX , I left a recorded voicemail stating that I wanted to make   XXXX   XXXX   payment that day, but would call back on Friday to make partial payment arrangements for  XXXX  until I could catch up. Ms.  XXXX  put both payments through  XXXX  and   XXXX   totaling {$3200.00} within 72 hours. Being  XXXX   XXXX  here in  XXXX   XXXX , banks are closed and I did not realize she had done this without my authorization. I was {$400.00} negative in the bank before the weekend ended. When I realized it I called her, only to be yelled at. She stated that she took my voicemail as authorization of full payments. I told her that to listen to the voicemail again and she refused. She will take no responsibility for this and will not help me resolve  it.This h as caused me to sink into much deeper financial distress and accrue well over {$2000.00} in NSF fees alone, at my bank. This is unrecoverable!   Now, I wrecked my car and have no second income anymore. But, because my credit is ruined, I can not get another car. Therefore, no second income. On my   XXXX   XXXX   XXXX    salary only, I can not afford to keep this house. My water, phone, cable, etc. have all been turned off. I have to use the neighbor 's hose to fill my toilets in order to flush them once a day. Standard Mortgage is going to be foreclosing on me soon.   Ms.  XXXX  's decision to put the second full payment through,  WITHOUT AUTHORIZATION,  had destroyed me and my family. Is there any way that this can be resolved?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: CMG MORTGAGE, INC
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Property was subdivided in XXXX. We bought property in XX/XX/XXXX. Per county policy, tax map # is not updated until property sold.. When we received first tax statement reflecting new tax map #, CMG financial ( mortgage company ) was advised. They continue to pay taxes on wrong tax map # and I am receiving delinquent notices. They have been contacted several times over this matter. My tax collector spoke with them in XXXX XXXX and they promised it would be corrected. In addition, because of this error, they have increased my mortgage payment. They refuse to correct this! 

my tax map # is XXXX they are paying on XXXX Mortgage payment should be {$1000.00} They increased to {$1000.00} because they are paying neighbors taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: Westlake Services, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
We were effected by XXXX XXXX and my wife was laid off. We called several creditors to get payments deferred. When we called Westlake Financial they said they would submit the request and we would get a reponse in writing. When we got the letter it said we were approved for one months deferment for XX/XX/XXXX. However, the letter said we would be assessed additional interest and a balloon payment at the end of the contract in XXXX. When we called XX/XX/XXXX and got Rep XXXX and asked what does this mean. He explained the unpaid balance will accrue interest of {$7.00} a day until the end of the contract in XX/XX/XXXX. I was furious I did the short math and saw that balloon payment would be approximately {$2500.00} a year for 4 years which is well over an additional {$10000.00}!!! Our original loan was only {$11000.00} and explained we wanted this deferment request cancelled as this is a rip off and can not be legal. The rep XXXX response was sorry it's already been approved it can't be reversed. I explained to him they can not take advantage of people like this and charge more for asking for a deferment. I also explained I would be having this aired on the local news and complaints filed with yourself, the Attorney General and the XXXX of their county.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
After the past several years of XXXX, starting at the height of the subprime mortgage crisis, my wife and I have been through hell with our property in XXXX. Everything from a neighborhood turning into a criminal wasteland because of everyone walking away from their bad investments, to wasting our money on lawyers and loan mitigators, to our home eventually being foreclosed upon. Somehow the foreclosure was not the end of the story. A debt collector, Specialized Loan Services, has been attempting to collect a large sum of money from us. 

In short, we began with XXXX, ended up with XXXX XXXX XXXX, and now Specialized Loan Services ( although according to real estate records our home has been foreclosed upon ). Our problems started in XXXX while I was on XXXX. We walked away in XXXX due to a significant increase in crime in our once respectable condominium community ( and a 60 % drop in value of our property ), and rented a house in a safe neighborhood in XXXX. There was no way I 'd leave my wife and daughter in such a failed and unsafe community that our XXXX neighborhood became. 

This year after returning from another XXXX, we learned our property was foreclosed upon around XXXX, and are still being hounded by the debt. This has severely impacted our credit reports and have further professional implications as well. I have n't had time to tend to this problem until now. We need some help! 

Please let me know if you need further data. I have a tons of documentation that include the Trustees Deed of Sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19
Company: CAINE & WEINER COMPANY, INC.
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
On XXXX/XXXX/16 XXXX XXXX called me @ XXXX stating that I owe money to a company called XXXX . I asked him what was his time & he said XXXX & that it 's a commercial account he can call me anytime he wants ... After I asked him for the information again as to who he really was & the debt information then he got aggressive & hostile in his voice & told me that I 've asked him that twice but am I going to pay the debt. I told him how can I pay a debt if I did n't know who he was or what the call was about ... My belief is once he realized that I knew he was not practicing the correct debt practice laws by calling me before XXXX he froze up but was still being a rude debt collector even after the fact ... I, not XXXX eventually hung up the phone & I proceeded to contact CFPB to report the issue

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-15
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I opened a XXXX account in XXXX thats is still NOT being reported on my Experian and XXXX Profiles. I have made multiple phone calls and mailed certified letters as well. Please help me get this information updated.

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: FIRST ADVANTAGE CORPORATION
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have spoken with over XXXX representatives over the phone and I have not been able to get the proper information on resolving this issue. This agency pulled up XXXX addresses under my name and ssn that were linked to an eviction and denied me as such. I explained that I was the victim of identify theft over 5 years ago and that none of the addresses that they had were mine. My address has been XXXX XXXX XXXX XXXX NJ XXXX for over 13 years. I was told to send in a letter stating such,. I did that successfully. I was then told to contact XXXX who has the addresses listed on my report, I did that and XXXX agreeed that the info was wrong and deleted it right away. I sent them info of the deletion and was told that it was n't enough. I also sent a copy of a police report about the incident, that was still not sufficient. When I asked to speak to a supervisor twice I was denied and told they may only email supervisors and I would have to call back the next day for a response, The hold time is excessive. I have been on hold for at least XXXX minutes and even XXXX hour in some cases. I need to have these evictions records removed asap as I have to be able to secure an apartment within days. Please help! Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX, has violated my nights. 
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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

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 2018-07-19
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The collection agency somehow contacted my father in law on XX/XX/18 who has nothing to do with the credit card in collections. They told him i have a debt in the amount of {$1200.00} and gave him the reference number. Again he has nothing to do with this credit card account. They violated my rights by sharing information with another person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: Early Warning Services, LLC
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/18 my daughter transferred {$450.00} through XXXX for purchase of tickets. She did not receive the transfer as promised through XXXX. I received a notice from XXXX XXXX that the transaction took place along with a phone number to call XXXX XXXX if there were any questions. I called XXXX immediately ( within 5 minutes after the transfer ) and they said there was nothing they could do to help with this fraud. Upon contacting XXXX they said it states on their website not to send money to anyone other than family and friends. I thought I was sending money to a friend. They will not refund money. 

Proof of product for sale and conversation with seller attached.

Company response to consumer: Closed with explanation