BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-07
Company: FIDELITY CAPITAL HOLDINGS, INC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I purchased a computer motherboard from XXXX XXXX in 2010. The company was giving me the run around & did not provide any means for me to contact them by phone so I feared that it may have been a scam. The item I ordered was not delivered so I contacted my credit card company & did a charge back. Soon after that, the item I ordered finally arrived at my door. I refused the package & asked the deliver person to send it back. They received their item back & are still charging me for 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 2023-01-20
Company: Experian Information Solutions Inc.
State: VA
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX # XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX Inquired on 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 non-monetary relief
Consumer complaint received 2015-08-12
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
The credit reporting agency, in spite of the fact that they have stated to the CFPB in response to another complaint that they have removed the incorrect information are in fact still falsely reporting that I have a Chapter XXXX bankruptcy. I never filed a Chapter XXXX bankruptcy. The public record shows one filing for a Chapter XXXX in XX/XX/XXXX that was successfully completed and discharged on XX/XX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have 11 hard Inquiries that wasn't authorize by me 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 non-monetary relief
Consumer complaint received 2015-07-10
Company: Linebarger Goggan Blair & Sampson LLP
State: GA
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:
On XXXX XXXX and XXXX XXXX 2015, I received a demand letter from Linebarger Goggan Blair & Sampson , LLP in XXXX, IL stipulating that they represent the State of Illinois -Department of Revenue in a collection of tax obligation. My complaint is I have never received any correspondence from the Department of Revenue regarding any delinquent taxes for the years indicated in the demand letter sent by this law firm/collection agency. Moreover, I have paid my state income taxes for the years identified in their correspondence. This demand letter seems to be a fraudulent claim of debt or deceptive action to scare me into payment of a tax claim that I do not owe. The language in the demand letter utilizes legal verbaige to bully and coerce a person into paying monies they do not owe. This practice seems deceptive and an unfair way of doing business. As a senior citizen, I find theses correspondance abusive and alarming. 

On XXXX XXXX, 2015, I sent a letter to Linebarger Goggan Blair & Sampson , LLP requesting as per the Fair Debt Collection Pracice Act, they forward all documentation to me to validate this claim. Instead of adhereing to the federal law, they sent me the XXXX XXXX letter demanding payment of {$30000.00} or else. They have not sent me any documentation to validate this claim. This action seems to be in direct conflict with the law or autocratic demeanor that they are above the law. 
If this firm is pursuing me like this, one can only assume they are doing this to many people in Illinois and/or throughout the country. 

Your immediate attention and action to this concern is requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I entered into Forbearance program with CHFA for three months ( XXXX, XXXX and XXXX ) last year and after three months, I started my payment on XX/XX/XXXX and CHFA entered into my account on XX/XX/XXXX my first payment after Forbearance, CHFA send me document to be notary from my Bank for my Forbearance to reinstate my account in which I sent all the document to them and called them for confirmation that they received the document, I still have my duplicates. I noticed CHFA was holding on to my payment for months and when I called them that my payments are not applied to my account, they told me until the program is over which force my account to one year of the program. I only run the program for three months last year but they applied all payment from last year XXXX in this year XX/XX/XXXX only applied three payments last year. Now CHFA reported to credit bureau that I own them 5 months mortgage payment in amount of {$14000.00} ( that's XXXX per month ), which according to their system all payments from XX/XX/XXXX to XX/XX/XXXX applied to Forbearance my account indicating that I still own Mortgage for 5 months. They charge my account with {$310.00} late payment which stop any lender to refinance with because debt and also late payment. I called them 2-3 times every month since XXXX till today and all that they ( XXXX XXXX XXXX XXXX told me is their supervisor or underwriter have to address my case. I have spoke to a lot of staff or Rep. ( XXXX, XXXX, XXXX etc ) on the phone and what they told me is their supervisor will call me or fix it. I always received calls from this number XXXX collecting debt every other days and multiple threaten letters to send my house to foreclosure, when I called them am told they will it in 2-5 weeks. Am told one staff called XXXX is responsibly or handle my account but she stop working on it since last two months XXXX without any reason and I believe because they notices am doing refinance with XXXX XXXX XXXX, knowing that I can't refinance if am still under Forbearance, Late payment on my account and also send to Debt collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
New Credit Card. A charge for {$75.00} was on the first bill, transaction date before the card was either received or activated. Charge was to a company in XXXX but in XXXX XXXX. 
This is a major security issue that the charge was not trapped by Citicorp fraud filter. I called customer service, who connected me to security. Security was not interested and just treated it as a Billing Dispute. After a few weeks, the dispute was denied, showing evidence that somebody Named XXXX XXXX in XXXX ordered something from XXXX XXXX in XXXX, again long before the card was received or activated. 
I have tried to reach Billing Disputes at XXXX ( XXXX, or # XXXX for immediate connection to Billing Disputes ) several times for two days. Finally called customer service, and they to got runaround first from Security, then unable to reach billing disputes. Kept me on the phone for about an hour ( XXXX XXXX, 2015 ) despite request, they never called back. 
Either CITIBANK has little regard for customer, or they are again part of the fraud and extortion from my account. Perhaps they assume that they can exhaust me with this runaround and extort this amount to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Portfolio Recovery Associates failed to provide me with a copy of any original documentation for example, a consumer contract with my " wet-ink '' signature on it as required under Section 609 ( a ) ( 1 ) ( A ) & Section XXXX ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: EQUIFAX, INC.
State: MD
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 Account # XXXX This account does not belong to me. I do not have a contract with this company. This is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 Account # XXXX This account does not belong to me. I do not have a contract with this company. This 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 2021-09-04
Company: LoanCare, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a letter at the beginning of XXXX from mortgage company Loancare , LLC stating that I did not have flood insurance on my property. I do have flood insurance separate from my homeowner 's insurance. I uploaded Insurance documents on XX/XX/ to the portal and received email verification that they were received. 

On XXXX I was notified that my Escrow account had disbursed {$2700.00} for flood insurance purchased by the lender since I did not have my own. I uploaded coverage documents to the online portal on XX/XX/ and again received an email notification that the documents had been received. 

On XX/XX/ I contacted My Loan Care by telephone to follow up. After being placed on hold for over an hour and being transferred to several people I was told I needed to upload documents to prove coverage. I stated I had done this on XX/XX/ and XXXX The representative 's response was " sometimes it takes a few days '' so I should resubmit the documents and call back another day. I requested an email to submit the documents to since uploading them had been unsuccessful, despite my having received two separate emails confirming receipt. I again submitted the documents by email XXXX 

On XXXX I logged in to check the status. The information still had not been updated, nor the escrow disbursement reversed. I AGAIN uploaded the documents to XXXX on XXXX. Once again I received an email confirming the the documents were received. I plan to follow up by phone again next week, but given the history of poor communication, fraudulent escrow disbursement and lackadaisical attitude of employees this incident should be investigated.

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 2021-09-04
Company: LD Holdings Group, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am apply for a loan with Loan Depot through a company called XXXX. My financial situation is very complex and I have been asked for documents for the XXXX XXXX I own and I have emailed the LO and UW the documents and they are not willing to accpet emails or read the doucments I have set this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: EQUIFAX, INC.
State: NC
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 Installment Account XXXX Partial Account Number XXXX, Credit Account XXXX Partial Account Number XXXX, Collections Account Partial Account Number XXXX, Has violated my rights. 

15 U.S.C 1681 section 602 A Section 1 : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Santander had picked up my vehicle as a repossession due to non-payment. Within XXXX hours, I had picked my vehicle back up, paid all applicable fees to have It released to me and have not had any problems since. To date, the company still shows the account as charged off and rarely updates the balance due. I pay my regular note each month and they are still reporting as a charge off. According to the definition, a charge off is considered uncollectable debt. My biggest concern is that it should show an updated status versus charge off. Also, the lender may have written this debt off but collected the credits at year-end that came with the write off. Is n't this double jeopardy, especially if I have the vehicle and am still making payments?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: Santander Consumer USA Holdings Inc.
State: AL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I had a loan with XXXX XXXX on a car. Santander bought the loan I have had nothing but trouble since then, if I was late they charged huge fees and XXXX months ago my truck was repoed and taken XXXX miles away it cost me {$1000.00} to get there take off work and pay santander XXXX dollars, the loan they said was XXXX days past due but I know there was only XXXX XXXX XXXX I got it back they said they wanted {$900.00} more.I have the truck now and they are sendingme letters saying the loan is passed maturity and I owe them fees in the amount of {$3300.00} and it shows it to all be due now.I know there is no way I owe this and feel I have paid enough the loan started XXXX yrs ago. I dont have much money and it is unfair practices on there part I keep asking for them to show me how on a $ XXXX loan I could owe this and they never send printoutsPlease help me they prey on people that are poor and withouta car I cant work. I have gotten soooo mad and it is not good for my health

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I contacted Shell Citibank XXXX XXXX. I called customer service. I asked them about a credit limit increase if it was a soft or a hard inquiry. I explained I was going to go for a major purchase and I ca n't have any hard inquiries on my credit. They said they could not answer this question. They said since you have a fraud alert to fill it out online and they will contact me before they pull the credit whether its soft or hard. This did not happen it was a hard pull the next day. I spoke to several supervisors the XXXX XXXX I spoke with said it would take up to 10 days to remove it. This did not happen. I dealt with citi executive response I spoke to a woman named XXXX XXXX she can be reached at XXXX. She did nothing at her level to resolve the issue. She said because I filled out online with my income what I was told to fill out by customer service. That I authorized my credit to be ran. She did nothing to address the negligence and incompetence of the company representative misinforming me. She does not even care I might be denied for my large purchase because of this inquiry. I think this is a very dirty tactic that they play. I have allready filed a complaint with the ftc also. I am sick and tired of companys not being held accountable by people who work for them and misinform customers. Everything was all done over the phone. My credit was pulled once through XXXX. XXXX no longer allows you to dispute through the credit bureau only with the creditor.

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 2016-01-12
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Other

Complaint:
I spoke with Shell/CBNA Credit Card back in XXXX of XXXX to ask them in good faith to remove the bad marks on my XXXX credit reports which were only ( XXXX ) 30 day late payments. Instead they now have moved the dates of my Charge Off on my credit reports from XXXX XXXX being the last date reported to now being XXXX XXXX and it is being continually reported. This has dramatically affected all XXXX of my credit reports for an account that was opened XXXX of XXXX and closed XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Acceptances by CHASE BANK on account number ending in XXXX Certificate Of Non-Response I, XXXX XXXX XXXX, have sent off certified mailing and payment in forms remittance/coupon in efforts to resolve and settle account number ending in XXXX. This notice is pursuant to federal and state law evidence of dishonor UCC 3-505 and UCC 1-202 . I state the following as facts. 

On the dates of XX/XX/2022 and XX/XX/2022, CHASE BANK at CHASE Payments Processing XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX received a remittance/coupon payment via United States Postal Service Priority Mail XXXX The corresponding tracking number is ( XXXX XXXX XXXX XXXX ) as verified by Certificate Of Service. 

After acceptance of mailing, CHASE BANK refused to send confirmation that account ending in XXXX has been adjusted and settled, nor a notice of dishonor from a qualified third party excusing their refusal, in response to the correspondence regarding account number ending in XXXX. 

CHASE BANK did not cure their dishonor. CHASE BANK gave no creditable or justifiable reason, or federal laws and or regulations for refusal to confirm the adjustment and settlement of account number ending in XXXX or send a notice of dishonor. 

Despite the numerous phone calls to multiple CHASE BANK departments including but not limited to the Customer Service department, Payments/ Billing department, Account Services , Legal Department , Executive Office XXXX Collections Department XXXX about my payment not being reflected on my account, trying to explain and give a breakdown as to why federal law says this is a legal form of payment and what FDIC Law 7500- FRB Regulation 204.1 iv defines what a deposit is : ( Any due bill or other liability or undertaking on the part of a depository institution to sell or deliver securities to, or purchase securities for the account of, any customer ( including another depository institution ), involving either the receipt of funds by the depository institution, regardless of the use of the proceeds, or a debit to an account of the customer before the securities are delivered. A deposit arises thereafter, if after three business days from the date of issuance of the obligation, the depository institution does not deliver the securities purchased or does not fully collateralize its obligation with securities similar to the securities purchased. A security is similar if it is of the same type and if it is of comparable maturity to that purchased by the customer ; CHASE BANK has willingly and knowingly ignored federal law. 

Sources : Bill Of Exhange Act, Truth in Lending Act, UCC 1-202, UCC 3-103 , UCC 3-104, UCC 3-603, UCC 3-503, UCC 3-311, UCC 3-301 , UCC 3-302, UCC 3-415.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
In XXXX, I obtained a copy of my credit report from the XXXX Credit Bureaus, I reviewed my account for accuracy and noticed an account from Santander that I did not recognize. I sent a certified letter on XXXX XXXX, 2016 for which they signed for on XXXX XXXX, 2016. In the letter I requested proof bearing my signature. I have been traveling for the last month so I am not sure if Santander has responded to my request, however based on the FCRA once a consumer requests records it is the responsibility of of the Creditor to send notice to the credit bureaus that consumer is disputing the debt within 30 days. I have obtained copies of my credit reports and Santander has not updated my credit reports and have violated the FCRA and violated my rights. I do not owe this debt nor do I know what it is. Since they have not updated my report, legally they must remove this alleged debt from all XXXX credit reports. I do have evidence of this and have attached my reports. I will also be filing a small claims suite based on their response to my complaint. 

Please see attached for reports.

Company response to consumer: Closed with explanation