BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-17
Company: Washington Collectors Tri Cities Inc
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
RECEIVED A NOTICE FROM WA COLLECTORS VIA MAIL XXXX, STATING I OWE XXXX PER OVERDUE BILL CITY OF XXXX. I tried to call WA COLLECTORS but they would not give me any information unless I gave them my date of birth. I would not do so. I offered to give the the code number from the top of the letter I received but they demanded my DOB and would not respond further without this. I called next to the CITY OF XXXX. They told me that several bills had been sent in the name of XXXX XXXX to an address listed as XXXX XXXX, XXXX WA. I explained I was not XXXX XXXX and that I could not have received the notice that was sent to a place that I do not live at and have never lived at. Also, why are they sending me to a collection business when my name is not even on the bill. They would not respond to my questions and abruptly stated that " this was out of their hands now that it had been sent to collections and I would need to talk to the Collection agency. 

This is the 2nd time I have encountered a collection notice from this agency that is incorrect and due to this agency not correctly verifying information on the debt before sending me a notice that I owed money. The first time they did so the AG office in WA state contacted them and investigated, resulting in this agency responding that it was in error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-04
Company: Finance of America Mortgage LLC
State: ME
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
In short : I 've been bait-and-switched by e-rates mortgage. 
I applied for a mortgage refinance with e-rates in XXXX and was offered a XXXX rate. I was told in XXXX that the only pending matters were final balances and an appraisal. On XXXX XXXX I received a refund on my credit card from an appraisal company, with no word from e-rates. I tried to reach the XXXX people I had worked with, by email and by phone, and neither returned my call until I left a voice message saying I would being going to regulators. I received a Tuesday call but when I had heard nothing by Thursday, I posted on the XXXX page of XXXX, through which I first had contacted e-rates. Although XXXX promises to " act as ombudsman '' on all loan through its site, there is zero contact information on its site. Since then I have received a " not-to-worry '' email from XXXX and a call from e-rates offering me " market rate, '' which is currently .1+ percent higher than I was quoted in XXXX. If this is not a bait and switch, I 'll eat my XXXX XXXX diploma. Thanks for your help in shutting down scammers, of which I know this is hardly the worst -- but I bet they 're making a big cash in at the margins.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Smith Debnam Narron Drake Saintsing & Myers LLP
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
There have been repeated assignments and violations the fair debt collection practice the Fair Credit Reporting Act and stop using the street name XXXX XXXX. 
This is a debt collection company, and they will do and say anything in order to collect the debt they will not validate a debt by signing stating under the penalty of perjury that they are do anything for buying a debt that is XXXX of the violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: CITIBANK, N.A.
State: PA
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 only used my credit card once by best buy citibank and it was a XXXX balance until they allowed XXXX  to rack up charges of XXXX i disputed the charges and they took them off then they sent me a new card and then they allowed XXXX  to make more charges to my account when i said that they were fraudulent the first time the bank refused to let me close the account bc they said there was a investigation and second my credit card limit was XXXX i dont understand how they allowed them to charge more than my limit i was never notified of someone making these charges i cant see how they can make me liable for charges i did not make

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 2020-03-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Attempting to collect invalid debt that is unverified. Calling multiple times a day after asked to be put on a DNC list

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-22
Company: TRUIST FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a payoff letter from XXXX XXXX XXXX XXXX. This is from a auto debt with creditor XXXX XXXX XXXX. The letter states that I have 30 days from the date listed on the letter to accept a payoff amount of XXXX. I spoke with a customer service rep named XXXX about the payoff amount and try to negotiate a lower amount. After several calls with her and her supervisor I made a payment with XXXX XXXX in the amount of XXXX and setup a payment arrangement for the balance of XXXX. This balance would be paid over 6 months in the amount of XXXX. I was told that an email would be sent with a confirmation of payment as well as the payment arrangement we setup. Unfortunately, after XXXX hours I never received an email so I called back spoke with XXXX. He informed me that the payment arrangement made could not be honored per his supervisor and I had to pay full payoff amount. I stated to XXXX that we had a verbal contract the company 's pre-recorded conversation. Which legally bines them to the payment arrangement made between XXXX XXXX and XXXX. As of XX/XX/XXXX this organization has report a balance of XXXX owe to the credit bureau. Please advise if you are able to assist.

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 2021-01-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX is reporting my car loan payment late XX/XX/2019 to all three credit bureaus. 

This payment was late due to incorrect information provided over the phone from a XXXX representative. I remember calling and asking when they reported to credit bureaus and the representative said I still had a couple days to make the payment not regarding it was a weekend and that it would not process my payment until following week.

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 2016-07-05
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card
Issue: Rewards

Complaint:
I have American express Blue cash preferred card with cash reward program ( upgraded from my previous blue cash everyday ), and used it heavily in the past XXXX month ( over $ XXXX total, should have ~ {$200.00} reward dollar based on my own calculation ). I am supposed to earn the reward dollar ( for previous statement ) within XXXX business days I pay the current statement. However, the cash reward dollar in my account was never updated for my 2016 expense. I contacted AMEX regarding this issue by online chat three times, phone call XXXX times. Every time, I had to spend half hour explain what happened. I was promised by different customer service guys that investigations were being submitted that I would get the reward dollar I earned, but XXXX months passed, nothing came back. I am not even sure if the customer service lied to me about the investigation or not because once I was told ( also by AMEX customer service ) that there was no investigation submitted. what make it worse is AMEX can not give me a timeline when this problem can be resolved, and they just want me to wait. I can not close the account either because the reward dollar will be forfeited.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
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: Credit inquiries on your report that you don't recognize

Complaint:
To Whom It May Concern : I have received a copy of my free credit report, and have tons of inquires that were done by a car-dealership in which I personally did-not authorize at all. 

I have attached a picture of my ID, and proof of address so that you the reporting CB can verify me. 

I'm asking that you reach out to the company who pulled my credit, and request proof that they have my authorization to have pulled my credit report from the following methods A ) a signed letter. 
B ) a recorded phone call. 
C ) video surveillance of me authorizing the inquires. 

While I was inside the dealership, I only AUTHORIZED XXXX XXXX, not their furnishing network to have pulled my credit. This is my written request to demand, that you look in-to this issue as soon as possible and provide me proof of how you investigated, and how you determined that I authorized the companies listed below to pull my credit. 

They are as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Finance XXXX - Auto Finance 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 Card Service 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 Card XXXX XXXX XXXX  XXXX/XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX  Dba XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX No forms of credit have been established with any of the creditors above, so I ask that you investigate and remove them for my report otherwise you will be in-direct violation of FCRA statues, and limitations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 have contacted all the credit agencies and sent them certified validation of debt letters twice in the last 5 months and they have not provided nor delete the account XXXX XXXX XXXX from my report, i have never had an account with that company, i have never signed or received any services from this place, this information needs to be deleted from my credit report 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 2021-01-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are multiple court records on my credit report about a person with similar name as me but he has a middle name. 

The persons birthday is same as me but the only difference is he has a middle name. I have never been XXXX  in my life and I have always lived in California. This person was XXXX  in Maryland.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are multiple court records on my credit report about a person with similar name as me but he has a middle name. 

The persons birthday is same as me but the only difference is he has a middle name. I have never been XXXX  in my life and I have always lived in California. This person was XXXX  in Maryland.

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 2020-03-17
Company: Dovenmuehle Mortgage, Inc.
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This home was purchased in XX/XX/XXXX. The mortgage company paid the tax authority taxes dated XX/XX/XXXX-XX/XX/XXXXin the period where I did not own the property. 
When the property was purchased the closing company cleared all taxes and verified that this property did not owe any taxes. Furthermore, I never received notice about these bad taxes from XX/XX/XXXX-XX/XX/XXXX. 
The mortgage company paid these taxes without letting me know and know they have included almost 14000 worth of taxes into the escrow account and they are making me pay for taxes that are not even form the time I have owned the property. 
I have contacted them since XX/XX/XXXX over five times about this issue but they have not provided any information about the payments made nor they have reached out to the tax authority to fix their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: Experian Information Solutions Inc.
State: SC
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:
Experian has not responded to my disputes and has not responded to any of my disputes. The last dispute was sent on XX/XX/2020 and delivered to XX/XX/2020. They have yet to respond or investigate properly.

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 2022-10-12
Company: Experian Information Solutions Inc.
State: MT
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 have numerous hard inquiries on my account that I did not request nor authorize. I have submitted a fraud alert in the past. I have discussed this with Experian and they haven't removed the unauthorized inquiries. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-03-17
Company: I.C. System, Inc.
State: ND
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:
XXXX sent a notice to IC Systems to collect payment from me. IC Systems notified me that they will have to report to consumer report on XX/XX/20. The date of call was XX/XX/20. I explained to IC Systems that I never had active service with XXXX and I asked them to look at the system as this is easy to verify. IC Systems verified with me that I used 0 mins, 0 gb of data, and 0 inbound/outbound, from the creation of this account. I was sent 2 sims that never worked back in XXXX, the day after I received the sims, I contacted XXXX to let me know that the service didnt work in my area. I was told on that day that I would receive a {$0.00} balance on this account and it would be closed because I never actually used the service. Now 2 months later Im being threatened and seemingly pressured into paying for something I obviously never used. I will attach pictures with this complaint. Please notice the dates as XXXX seemingly has a policy in place to create unfair billing practices. They obviously dont abide by their own dispute policy as well.

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 2022-03-25
Company: NCB Management Services 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:
While reviewing my credit report I've noticed several accounts did not belong to me, Ive tried disputing, also sent in a police report stating these accounts were fraudulent, Ive reached out to the companies to no avail. My identity was stolen and used in a malicious manner. On XXXX XXXX  XXXX stated I owed them {$720.00}, Ive contacted the company several times with no resolutionXXXX XXXX was placed on my credit report stated I owed them {$300.00} XXXX contacted this company no resolution made. On XXXX XXXX XXXX XXXX stated I had an balance from a car I never purchased in the amount of {$47000.00} I contacted the company and it was taken off one of my credit reports but not all three.On XXXX. On XXXX XXXX XXXX  stated I owed them {$140.00} for account that I never opened I did contact the branch but no response.On XXXX XXXX XXXX  stated I had an account with them in the amount of {$1100.00} which was also fraudulent tried to contact company and no one has returned my call to discuss this matter. XX/XX/XXXX NCB which is affiliated with XXXX XXXX also placed an account on my credit which I contacted this company and sent my police report just all the other companies and they have yet to remove the account from all three of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: FIRST CREDIT FINANCE
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company contacts everyone on my referral list if I am late paying and tells people on this list that they are looking for my car. They have been rude and harassing calling multiple times and using threatening language like " contact us or else. '' When I called and asked to speak to management once, the person told me that I did n't have the right to speak to a manager because I have n't made my payment. When I asked them to stop calling my XXXX mother in law with XXXX who lives in NY, they told me that they will continue to call her because it makes me call them. It 's a tactic that they use. I have recordings of their threatening tactics and frequent harassment. Even after I paid {$100.00} and signed a contract extension for the month of XXXX., they still called my mother in law everyone else on my referral list asking for the location of my vehicle.

Company response to consumer: Closed
Consumer complaint received 2021-01-11
Company: Debt Recovery Solutions, LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: Account Control Technology, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
i have requested information on this debt bearing my signature and have not received anything stating that I owe this company any money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief