BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-23
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX we received a XXXX XX/XX/XXXX XXXX we received a collection letter from Amsher for {$2000.00} we filed a dispute as the amount was incorrect. The amount was looked at by t mobile and they removed the balance that was disputable and updated the amount to XXXX however Amsher never sent a letter or called about the updated amount, therefore we could not pay it since we didn't know the actual amount that had to be paid, instead this was placed on the credit report ( this is how we found out we owed {$1300.00} instead of {$2000.00} ) and this all could have been avoided had we received a phone call or a letter with the updated amount, and the amount that was credited. We paid the updated amount today without even knowing what was credited and if the amount was correct. We would like the amount placed on our credit report removed as we never had an intention of not paying, we just needed the amount to be updated to the correct amount. Please advise. In the collections letter there is a line item that states " if you write to us by XX/XX/XXXX. We must stop collection on any amount you dispute until we send you information that shows you owe the debt. You may use the form below or write to us without the form. You may also include supporting documents. " We filed the dispute yet the updated amount was never provided to us in order to pay. We would like the item removed from the credit report as it has now been paid. 
In addition the telecommunications manager XXXX XXXX XXXX was very rude did not let me explain the situation and did not hear my concerns about not receiving the updated amount, he spoke over me on the phone and accused us of not paying our debts. I asked him to transfer me to another employee in order to pay due to his hostile customer service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX  and The Internal Revenue Service my personal information was exposed in both of their data breaches. XXXX, then confirmed on two separate occasions that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
My husband and I have a home equity loan with BMO Harris. When we filed bankruptcy over XXXX years ago, they disabled our online account so that we could not view our account activity. The bankruptcy has been discharge and our loan has been modified, but I am told that I can not use online banking to so much as view my statements. They are not mailing me statements. I do not have access to normal customer service, I am told I have to talk to the loan mitigation department, which does not always answer their phone during business hours ( I often get voicemail ). As a customer, I want to be able to talk to someone during business hours, receive statements, and be allowed to view my account activity online. I have no idea if any of the payments I have made over the past year or so have even been credited to my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Documentation of loan payment was located Threating summons requests to non-associate addresses and other untimely Harassment including places of employment. Was told I would be suited that day if I did not give over my Debt Card or Bank Account Number while driving to work. These are in response to a loan collection in made in error : # XXXX [ XXXX XXXX, 2015 ] and Loan # XXXX [ XXXX/XXXX/2015 ]

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: DriveTime
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
RE : RESCISSION OF CONTRACT ESTABLISHED XXXX It is on this date, XXXX that I, XXXX : XXXX who is a natural living being exercise my right to rescission. Upon reviewing my contract, obligations, and rights as a natural person operating in commerce, I noticed that there are several violations present which nullifies the contract pursuant

15 USC 1601 named Truth in Lending. Per the congressional findings of TILA, It is the purpo
se of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit During the consummation of this contract, ( XXXX  XXXX XXXX XXXX ) DID NOT DISCLOSE MY RIGHT TO RESCIND. It is appropriate for me to assume that ( XXXX XXXX ) at XXXX  XXXX XXXX XXXX intentionally withheld pertinent information to complete the sale. Thus, being the case, pursuant 15 USC 1635 I have the right to rescind my obligation and renege my initial consent to pursue the previous terms. It is clear you are not trustworthy and have predatorily conducted business in commerce. 
Effective, XXXX I am no longer responsible for any security interest, finance charge, or fees associated with this contract. I conclude this letter with a demand for you to return my initial down payment since you failed to mention that my finance charge was all I needed to complete the deal and that the CASH PAYMENT was only of benefit to you. 
Company also breached arbitration agreement as well as conveying a credit sale into a installment contract where I the consumer received no benefit of their unauthorized use of my credit card as defined in the truth in lending act resulting in major financial injury to me the consumer. please see attached fraudulent contract attached where company also took {$1200.00} down payment ( cash ) in this security agreement Kindly 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 2017-02-19
Company: Diversified Consultants, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This company, named DCI, has reported an account in my name from XXXX, that I do not have a contract with, and I have also never received any communication from them about said debt. They were disputed in XX/XX/2016 and removed by XXXX shortly after during the same month because they could NOT validate. 

They then sold this account to a company named XXXX, who, too, could not communicate with me about origin/validation of this account being connected to my name and social. 

In XX/XX/2016, they re-obtained this account, and have re-reported it to my account, now using a NEW name -- " Diversified Consultants INC '', instead of " DCI '' I have never received a dunning letter/ nor debt validation, describing how my SSN/NAME is connected with this alleged account from XXXX ; I am a XXXX customer. 

If they continue to report or sell it to another agency, I intend to sue due to debt collection violations/company misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: EQUIFAX, INC.
State: NJ
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:
Credit report must be updated. XXXX  account with XXXX XXXX has been paid for removal please remove XXXX XXXX from report..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX, I contacted Experian in regards to my certified letter submittal to suppress fraudulent accounts on my account as stated in subsection 605B in the Fair Reporting Credit Act. I contacted then XXXX and again at XXXX which lasted for 40 minutes, XXXX, supervisor in the dispute department hung up on me when I asked him to restate his name to be sure. USPS site states that Experian XXXX XXXX XXXX received my letter on XX/XX/XXXX at XXXX XXXX. In my quest to see that what the status was, I was informed that my letter was never received, I tried uploading it as well, to ensure that the lie " we never got it '' would work, the upload would not work for neither police reports os FTC Identity Theft report together to separately and the were under the 15mb size requested and all were PDF files. I requested to be sent to the fraud department which is what's stated on their site with these issues to be advised they opened a dispute according to section 611 as if I was disputing information that the creditor reported was erroneous in history but valid in ownership, which is FALSE. I provided the agent my FTC report number as well, on the second cal I requested to speak with a supervisor in the Freeze department as researching online the XXXX XXXX XXXX could possibly belong to that department, thats when I was transferred to XXXX and hung up on after I requested his name again and was not called back. My rights are being violated by Experian and has been since XXXX, as I have filed letters requesting physical documentation they received validating the debts and never received them according to section 609 of the fair credit reporting act 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 non-monetary relief
Consumer complaint received 2022-07-05
Company: UMB FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
My son has a bank card that accesses my XXXX account. He used the card for a provider charge that depleted my account. At that point XXXX started to charge XXXX fund fees. The fees charged are as follows : XX/XX/2022 {$25.00} XX/XX/2022 {$25.00} XX/XX/2022 {$25.00} XX/XX/2022 {$25.00} XX/XX/2022 {$25.00} XX/XX/2022 {$25.00} XX/XX/2022 {$25.00} XX/XX/2022 {$25.00} XX/XX/2022 {$25.00} When I spoke to customer service at XXXX about it, asking why they they charged so many fees without contacting me through email or text, they said that they would call me. A week and a half later my wife called with the same response. Now it is several weeks later and they never called to resolve my dispute. This is the same kind of dishonest delay tactic that nefarious web vendors use to delay the dispute until the statute of limitations for the transactions makes the dispute void. This same delay tactic happened a year ago regarding a fraudulent charge. They never called me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: Blitt and Gaines, P.C.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have been taken to court ( 3 appearances since XXXX XXXX ) by Blitt and Gaines PC on behalf of a XXXX XXXX. I initially requested a hardship consideration as my house had just burned down and I was not prepared to have to answer to this. I have not heard anything from them in regards to this, and after the 2 appearance, I sent them an email requesting documentation of this debt and have not heard anything. At my last appearance they said they are still working on it. I emailed them again and still have no response. My credit report shows the last payment on this account was in XXXX XXXX, which I believe is past the statute of limitations and this should be dismissed. The name on their account is XXXX XXXX ( previously married name )

Company response to consumer: Closed
Consumer complaint received 2015-10-16
Company: Pacific Credit Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had my child in a daycare and made all my payments on time. I found out that this daycare was putting XXXX removed my child from this day care. XXXX other mothers did the same. I was all paid up at this time. I was then told by the woman that owns the company that I owed dues not only for that month, ( which was paid ), but also for the following month, which I did not. I have the proof that I owed nothing more to this company and can provide this. I then began receiving collection notifications from Pacific Credit Services that increased each month. I never received any notification from the daycare - no warning, grace period, statement explaining what I owed this money for, etc. My credit report now states that I owe {$790.00} for nothing. Not only that, but they continue to re-age my account, when I have made no payments, have had no contact ; nothing. That in itself is grounds for a suit pursuant to the FDCPA. This company is absolutely violating my rights and I intend to sue this company if they do not remove this negative and illegal listing from my credit report immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax is reporting wrong information in my file and they keep telling me that it has been verified which if the accounts have actually been verified then i am requesting the full proof of the evidence that they have telling me that these accounts are mine if Equifax cant provide the proof by law they have to get rid of these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Wednesday, XX/XX/XXXX I was called by somebody saying that I owed money and somehow was sent to collections for my phone bill at XXXX XXXX, but I called my phone company and I know its a scam. They have called me multiple times a day. I looked up the name that they use Creedence resource management and I could find A bunch of stuff about them online scamming other people also comments that were suspicious saying it wasnt a scam seemingly all from the same person. Another person on the XXXX XXXX XXXX website pointed this out. They really pushed for personal I formation and wouldnt identify themselves

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-16
Company: Freedom Mortgage Company
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a loan modification via FHA due to illness. 

I was approved. The problem is FREEDOM MORTAGE is supposed to update the lender. I found out via phone call on XX/XX/20 that I made, that the approval was completed on XX/XX/20. 

Freedom Mortgage is required by law to send pending lenders of modification an update via first class mail every 8 days. The agent I spoke to at Freedom Mortgage told me this was required by law. 

The last notice I received in the mail stated : we are doing a title search -- there is nothing more for you to do. 

They did this intentionally so that you fail or really struggle with the trial period. 

To date, I have NOTHING in writing about the payment, the new loan, rates, etc. etc. 

I called on XX/XX/XXXX to make this complaint and Freedom said, NO too bad start on XX/XX/XXXX anyway. 

I sent an e-mail to Loss Mitigation on XX/XX/XXXX asking for the XX/XX/XXXX start ( due to not notifying me ). 

I called today and Freedom will not do it. 

This is against the law. 

XXXX XXXX Loan Number 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 2022-07-05
Company: Experian Information Solutions Inc.
State: MD
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:
In XX/XX/XXXX, I received an approval letter for a covid-19 deferment for the XXXX XXXX XX/XX/XXXX. The bank reported the deferment payments as late with XX/XX/XXXX with it being 150-179 days past due, XX/XX/XXXX being reported as 120-149 days past due and XX/XX/XXXX being reported as 90- 119 days due. 
I want this lates removed off my consumer 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 2022-07-05
Company: EQUIFAX, INC.
State: MD
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:
In XX/XX/XXXX, I received an approval letter for a covid-19 deferment for the XXXX XXXX XX/XX/XXXX. The bank reported the deferment payments as late with XX/XX/XXXX with it being 150-179 days past due, XX/XX/XXXX being reported as 120-149 days past due and XX/XX/XXXX being reported as 90- 119 days due. 
I want this lates removed off my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Other fee

Complaint:
Citicard has made countless errors with my account in the past year. They have double billed me, failed to get back to me when they promise to respond within 24 hours, they switched my account without asking me, they sent my cards in the wrong name and to the wrong addresses. They always have excuses but to this day, they have not corrected errors on my bill. I asked them to waive the {$85.00} annual fee, and they are very nasty about it, threatening me, instead of waiving it after all of the fines and fees they have cost me with their errors and incompetence. 
Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-16
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: GA
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:
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and The Internal Revenue Service my personal information was exposed in both of their data breaches. XXXX, then confirmed on two separate occasions that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX 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 2015-04-01
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I submitted an FTC Affidavit with report number, an FTC Complaint number and a Postal inspectors complaint to Equifax and the Reporting Agency has failed to properly investigate fraudulent accounts on my credit file. I have submitted the same information to substantiate my claim of ID Theft numerous times to no avail. The following account ( s ) are not my mine and were opened without my consent, knowledge, authorization and were opened under fraudulently ; XXXX XXXX # XXXX is not my account. Please remove this inaccurate information from my credit file. 
XXXX XXXX # XXXX is not my account. Please remove this inaccurate information from my credit file. 
XXXX # XXXX is not my account. Please remove this inaccurate information from my credit file. 
Per my rights as a victim of ID Theft I demand that these accounts be properly investigated and removed from my credit profile. The FCRA ensures that Equifax reports 100 % accurate information. I also would like to see any consumer contracts and/or information contained in my credit file submitted as verification by the above referenced debt collectors and/or creditors per section 609 ( a ) ( 1 ) ( A ).

Company response to consumer: Closed with explanation