BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-06
Company: Carter-Young, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am having a serious problem with the Carter-Young XXXX XXXX they are located in Georgia. 

I have sent the debt collection company 5 emails, 1 fax, and have also communicated with them via their website. I have provided proof that the debt is false on 6 occasions. I have also filed a complaint with the Better Business Bureau. 

The collection agency responds to my every communication with generic replies that proves to me that they arent reading what I send to them. For example, I have on 4 occasions provided a detailed explanation of what they need to do to rectify the problem. On 3 of the occasions I received a generic reply saying please advise how you would like to address this situation. On 1 occasion they said they didnt get the proof I sent even though the proof was attached to their reply! 

Because of this erroneous item on my credit report I was not able to be pre-qualified for a mortgage and lost out on the house we made an offer on. 

I have been communicating with Carter-Young for almost 3 weeks and the problem still isnt solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-31
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I started to order product from XXXX thru their agent over the phone. I provided a credit car but when the agent advised that we will be placed on automatic shipments I said to cancel ecverything, that I did not want their product if I had to be placed on automatic shipment. Operator said it would be cancelled. I then get a bill for {$130.00}. I have never received any product from this company. I have sent them XXXX debt defense letters where I ask them to show proof that I ordered the product and proof of any alleged delivery. Apparently they ignore these for I just received another collection letter from Retrieval Masters Creditos Bureau , Inc. XXXX, NY XXXX. I have been disputing this debt with debt to no avail. When I look on the Internet there are XXXX of cases of consumers going thru the same problem with XXXX. 
Thank you so much for your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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 2022-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX  Account # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section : States no consumer reporting agency maty 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 ) Section : States 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 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 2020-11-02
Company: Netspend Corporation
State: MD
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
I'm called PayPal prepaid card service/ netspend payroll deposit checking account in XXXX of 2019 to discuss charges from the same fue company in my area for recurring charges that where coming out. From XXXX  XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX and a fue more places including XXXX and XXXX XXXX. XXXX  XXXX and a host of other fake business! They are at All from over seas and XXXX is there 2nd language so it's hard to understand also they are not given correct answers or helpful answers in order to refund my money. Or fix issues please help me.

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 2021-11-26
Company: Square Inc
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
My account was deactivated by square a few months ago, and I have yet to receive proceeds from the sales that were processed prior to deactivation. Ive messaged them and no one has yet to resolve the issue! The funds have been held longer than XXXX days in the amount of {$700.00} ( {$670.00} ) after fees! I just need the money transferred to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
To Whom It May Concern, XXXX XXXX XXXX  online services keep kicking out automatic draft. They have change there website. This cause my account to have its first ( 1 ) 30 day late. I have never been late. This was not my fault. I need 30 day late on credit report remove. This is a Billing process error on XXXX side. 

Im very upset about this confusion. Please delete ... ..I already notified 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 non-monetary relief
Consumer complaint received 2015-08-07
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I went to get myself a Checking account and was told by the bank that ChexSystems had a fraud alert on my social security #, I immediately requested my report from Chex Systems. Exactly a week later I receive a report that is scrubbed of ANY identifying reported information. None of the sections in the report held anything besides the inquiries section. The cover letter however put together some excuse stating that " a discrepancy was discovered that associates the Social Security # you have provided to us with another individual 's account information. Therefore you file has been forwarded to the appropriate personnel for handling. We will contact the source of the information to request that they investigate the accuracy of the SS # ''. This of course removes my right to dispute the reported information because my report was scrubbed removing ALL reported information that had them flagging me as a Fraud. I do n't even get the ability to know who the reporting institution was to check with them. To me it seems ChexSystems now can have their " investigation '' take as long as they need and does n't allow me the right to dispute since their is nothing on the report to dispute. Seems to me this agency is NOT adhering to the FCRA, not to mention the emotional distress this caused, the loss of the {$200.00} incentive from opening the account and the time that was wasted I took to open the accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: EQUIFAX, INC.
State: TX
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:
To Whom It May Concern, XXXX XXXX XXXX online services keep kicking out automatic draft. They have change there website. This cause my account to have its first ( 1 ) 30 day late. I have never been late. This was not my fault. I need 30 day late on credit report remove. This is a Billing process error on XXXX side. 

Im very upset about this confusion. Please delete ... XXXX.I already notified XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My credit report show a judgement that was satisfied XX/XX/2018 as filed instead of satisfied.

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 2021-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
On XX/XX/2020 & XX/XX/2020 XXXX XXXX XXXX has placed a false inquiry on my credit report that I did not initiate nor authorize.. I have reached out to them to dispute on numerous occasions with no response. They are violating my rights and harming me

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 2017-02-17
Company: LD Holdings Group, LLC
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
After much time spent with this company on the phone and e mails, trying to force me to borrow more than I wanted too, we finally came to an agreement on a mortgage. At this time a closing was scheduled and kept on XXXX/XXXX/2017. 10 days after closing they called me and said they never received the mortgage papers and did not know where they were or what happened to them. At this time I did what I could to protect myself and stopped payment on the check I had gave to the person they hired to do the closing. Since this time they have continued to call me numerous times per day trying to force me to continue with the mortgage. This has been going on for over week now to the point of harassment. Now tonight XXXX/XXXX/2017 the escrow company called and informed me they went ahead and deposited the check any way knowing I did not want to do business with them or loan depot. This has got to be the most devious and unprofessional business practice ever perpetrated against someone. I hope this information is published so others will not have to go through the deception, harassment, and devious games this company plays.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
My mom passed away in XXXX of 2021. Prior to her passing she gave me power of attorney of her affairs. I began to contact the original mortgage company XXXX XXXX to get information about her reverse mortgage, such as how much was owed and what we needed to do to keep the mortgage validated and current. When my mothers health continued to tried to reach out again. Most recently with PHH the new mortgage company. As with the previous time. They refused to give me any information regarding her mortgage. I am on the deed of trust and still can not get any information. I have submitted proof of the deed and still can not get any information The have now recently sold the mortgage to another mortgage company. They to refuse to give me any information, even after submitting proof that I am on the deed. Property address : XXXX XXXX XXXXXXXX, XXXX, CA XXXX I feel that my rights under Regulation Z are being grossly violated. PHH the current mortgage holder has been stonewalling and stalling me since the email I sent with copies of the deed of trust on XXXX XXXX. 

The phone number I have for PHH Mortgage is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: General Motors Financial Company, Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I enrolled in autopay with GM Financial for our leased vehicle loan. I was " kicked out '' of autopay 3 times without my consent. Each time I realized I was " kicked out '', I reenrolled immediately. My account was marked late 3 times and late fees assessed. It has affected my credit score significantly. 
I have a new GM Financial lease now and it is proving to do the same thing. I think they either have a faulty system OR they are purposefully trying to collect late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: Consumer Portfolio Services, Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Myself and my Girlfriend got a XXXX XXXX XXXX XXXX suv financed on XX/XX/XXXX. The dealership was XXXX and the bank that they got us approved with and financed with is CPS ( Consumer Portfolio Services , Inc. ) based in California. The " Amount Financed '' is {$18000.00}. The " Finance Charge '' is {$15000.00}. With 22.25 % APR/INTREST. Monthly payment for 72 months is {$470.00}. My girlfriend is the Primary Vehicle owner and I am the co signer/owner so we used her XXXX Credit to get approved. But what I've looked into is that is this is called a Predatory Loan? And yeah they definitely didn't run by everything with us and just had just sign our name on an XXXX and tap everywhere to sign everything and just kept scrolling so we couldn't even read what was in the contract. I called the dealership afterwards and asked them why everything was priced so high and they said " Its just what the bank approved '' so then I called the bank then they said " Your APR/INTREST & Finance charges have to do with the dealership so call them. ". So neither of them gave me an answer or solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: U.S. BANCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I would never get statements via mail or email. They only had one number to call and most of the time it just told me it had technical difficulties and hung up. It's been atleast 2 1/2 months I've called atleast once every 2 weeks and they have had technical difficulties each and every time. I would like to pay them and get my account current once again I just don't know how to contact elan financial services any other way.

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 2022-03-14
Company: BANK OF THE WEST
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I had a complaint with CFPB ID XXXX about Bank of the West. 
SUBMITTED XXXX PRODUCT Money transfer, virtual currency, or money service. 
Until now almost 3 months passed by already and I did not get any respond how the investigation from Bank of the West to resolve my case. I am very despair, hopeless and have financial difficulty in life now. 
Please help me to get over this burden in my XXXX and recovering the loss of the money. 
Thank you very much

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: CITIBANK, N.A.
State: NY
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 hard inquiry that is supposed to fall off XX/XX/2020 and it hasn't. info on XX/XX/XXXX credit bureau states it will push to XX/XX/2020. No acceptable. Two years is two years. it needs to come off 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 2015-05-17
Company: Commonwealth Financial Systems, 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 was paid

Complaint:
XXXX Services do not allow for services to be rendered before being paid. This was a paid account. Somehow on XX/XX/XXXX they believe I owe an unpaid emergency services debt. I have never been to emergency with my daughter unless it was paid so this must be someone elses report. 


XXXX account reported on XX/XX/XXXXOpenAccount # XXXX $ XXXX Creditor $ XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX ReportedIndividualResponsibilityPlaced for collectionRemarksNote

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am currently a customer of Citibank. On XX/XX/XXXX I noticed 2 of my checking accounts were overdrawn, both my primary and my secondary checking accounts. My primary account was overdrawn - {$81.00} so I deposited in the amount of {$95.00} to bring the account current. A transaction presented was returned so my account was positive. 

Today on XX/XX/2020 I saw the account that was positive is now negative again. When I called Citibank I was inaccurately advied that it i a federal regulation and that the bank can offset any negative balance. 
I asked what regulation and after being placed on hold for almost 10 minutes, the agent XXXX returned to the line and quoted me that Regulation Z permits banks to offset depsotiory accounts. 
read reg Z online while on the phone with the agent and he gave me a link and told me that this is the law https : //www.fdic.gov/regulations/laws/rules/4000-6100.html. 
Upon viewing I advised XXXX that this is a depository offset as a result of a failed financial institution. 
I asked if Citi is a failed institution and XXXX resonded no. 

My concern is Citi is trying to mitigate risk and eliminate risk so I understand why they debited my positive account. 
However, they debited my account not accounting for the items pending. So in an effort to resolve 1 account they overdrew another. 
I called and advised them of this and asked why they would take out more money than I had when there are items pending. 

I was advised by supervisor XXXX that pending POS transactions don't count toward the balance. Because pending items can fall off Citibank takes into account the balance without factoring in the pending transactions. 

I felt that was a wrong practice. Pending transactions are authorized and are just waiting to post unless I advised otherwise and should have been factored into the balance when determining what the proper amount to debit was. 

Now in an effort to offset a negative balance, they created an overdraft. If they took the difference 1 account would be overdrawn not 2 again. 

This account received a bi-weekly direct deposit as does all of the accounts I have. 

When I addressed if they could reverse it they advised it could not be reversed. 
I asked if I could be considered for an OD refund and was advised I could not.

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 2019-05-20
Company: Sterling Infosystems Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
My name is XXXX XXXX, Sterling talent solution   performed a background search on me for employment, and the information they responded back with was very inaccurate! I provided correct phone numbers for former employers, they searched other employers phone number and applied wrong information to wrong employers, this made discrepancy in my application, which made employers I applied for hesitant on hiring me only because of these discrepancy.

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