BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following accounts are fraudulent. Please delete them LOUISIANA XXXX XXXX / XXXX XXXX XXXX XXXX {$1000.00} XXXX / XXXX XXXX XXXX XXXX {$3500.00} act : XXXX XXXX / XXXX XXXX XXXX XXXX {$180.00} act : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have 3 accounts that I have been disputing with the bureaus continuously since XX/XX/XXXX! For this timeframe, they have not removed the account or done anything to help me. Then, during my last 2 sets of letters that I submitted to the bureaus ; they did not even acknowledge those disputes at all! I sent a set of letters on XX/XX/XXXX and again on XX/XX/XXXX, after the bureaus did not correspond with me ( I am aware that they have 45 days, and I am STILL waiting for responses from them and it's already XX/XX/XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: STATE FARM BANK, FSB
State: MS
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:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
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:
Hi, my name is XXXX XXXX. I am Reaching out today to have the following negative items removed from my credit report. The items I need removed are listed in the report attached. I have notified the companies that I did not make the charge. I ask that these items are deleted from my report in order to correct my credit file. These fraudulent changes are showing negative results on my credit report. I reported the theft of my identity to the identity theft affidavit. Please remove these items as soon as possible.

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 2021-03-12
Company: Sovereign Lending Group, Incorporated
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
1. Started loan with Sovereign Lending Group ( XXXX XXXX, CA XXXX XXXX XXXX / XXXX XXXX XXXX 2. Filled out application/ provided all documents- W2-Taxes-retirement, back accounts 3. They kept asking for more & more papers/ I provided them.

4. I ask for a closing date -- they would ask for more paperwork 5. I would I am canceling my loan- then a manager would call me -assuring me all is well & ask for more documents.

6. They would not close on any of the 3 loans I applied for.

7. I started to escalate a month ago.XXXX XXXX stopped responding 8. XXXX XXXX took over- he asked for more documents- I again gave them- then he stopped responding 9. Last week ( XXXX ) I escalated to Sovereign Lending Group- headquarters- spoke with XXXX XXXX Supervisor : He never responded. 
10. Last week ( XXXX ) spoke with XXXX ( Directors ) : He never responded-or gave solutions. 
11. XX/XX/2021 No one is picking up the phone. I want them to close my loan. 
12. I am afraid -they have my financial information and they going to something sinister.

13 Loans are supposed to close around 30-45 days : It has been 3.5 months.

Please investigate and shut this company down asap.

Kind regards XXXX XXXX XXXX I think they are going to fraud me-

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: Aargon Agency, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
AARGON COLLECTION AGENCY INC - XXXX XXXX, NV XXXX contacted a personal friend asking many questions about me also mention about my debit as well to that person. They contact me after and started to treat me over the phone I polity asked them to stop but the calls still going on. I have a friend 's statement upon request. Please the account is too old to be in my credit report and they still file a collection.

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 2021-01-14
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
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 am submitting a complaint against Chex Systems , Inc., regarding their investigation into a dispute I have opened regarding XXXX XXXX XXXX XXXX. I am attaching to my complaint my notice to Chex Systems under Section 609 FCRA. I am a consumer under the FCRA and XXXX XXXX is a Credit Reporting Agency under the FCRA. I am also attaching a copy of XXXX XXXX response to the CFPB which admits to the violations of XXXX XXXX under Section 609 FCRA. Additionally I am attaching a notice of intent to sue and an opinion of a lawsuit filed by the FTC against XXXX for similar violations of the FCRA. Pursuant to Section 609 FCRA companies ( XXXX XXXX ) is required to provide application and business transaction records regarding alleged fraudulent transactions to the consumer in a timely manner. This means that XXXX XXXX  is required to ensure that the entity reporting the information ( XXXX XXXX XXXX XXXX ) has supplied the above information to the consumer. XXXX XXXX can not as a matter of practice simply rely upon the creditor to verify the information as accurate or they become equally liable. XXXX XXXX response to the CFPB admits that they have failed to investigate the matter properly because XXXX XXXX only states that XXXX XXXX XXXX XXXX verified the information as accurate high does not comply with Section 609 FCRA.

Section 609 FCRA requires certain record to be provided to consumers and in XXXX XXXX response to the CFPB they do not state the documents were provided by XXXX XXXX XXXX XXXX to the consumer. While it is not XXXX XXXX responsibility to provide the required documents under Section 609 FCRA, it is XXXX XXXX  responsibility to investigate if the credit reporting entity did in fact provide the required documents under Section 609 FCRA. 

The response from XXXX XXXX clearly is replete with this information and as part of my complaint against XXXX XXXX I am stating that XXXX XXXX XXXX XXXX has continued to fail to provide the required documents under Section 609 FCRA. As such since more than 30 days have elapsed the derogatory item must be deleted based upon the failure of XXXX XXXX XXXX XXXX to provide this information to me since I did not open account with them.

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 2016-02-18
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am a XXXX and have been for 28 years. I have a client who is selling her condo and we just learned that the mortgage company - Citi Mortgage has GROSSLY overcharged my client. I got an amortization schedule yesterday showing after 9 1/2 years the principal balance should be {$210000.00}. Her balance on this loan now, according to Citi Mortgage, after paying on time for 9 and a half years is still $ XXXX. The original loan amount was {$260000.00}. I am not a wizard, but with a 4.125 % loan - fixed for 30 years, there is no way her balance should be {$250000.00}. PLEASE do something to help investigate this as my client stands the risk of being sued now because she is $ XXXX short to close the escrow. We have had to extend escrow now so we can try to resolve this issue, but I called Citi Mortgage 3 times today and was just told to send in the info to " Research. '' The supervisor, XXXX, that I spoke to whose ID # is XXXX, would not give me any help and simply told me to send whatever I had into research where I fear the file will just go in the trash as it is clear no one there is willing or anxious to help investigate this matter. She did modify the loan in 2014 and got a higher interest rate ( which is the figure the lender based the amortization schedule on, but it somehow reduced her payment by about {$100.00} a month. She did not make the payment for 7 months during that process as instructed and so it was added onto the back end, but not {$38000.00}!! Something has gone wrong and we desperately need someone with authority to make this lender accountable. 
Here name is XXXX XXXX. WE, many people involved, would greatly appreciate any help you could offer. Thanks in advance for looking into this matter. It is extremely important that we get something done and FAST as we are quickly running out of time. 
Sincerely, 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 2015-05-26
Company: CITIBANK, N.A.
State: IN
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I have a SEARS credit card account with just the SEARS credit card. I keep receiving letters forcing me to call and state i do not want my sears cards automatically updated to a XXXX. 
Twice now I have made this contact and still are receiving the letters. I just received the XXXX XXXX and called again. 
This letter starts out with ( We will be sending you ) there is n't any choice if I do n't call them and they are going to change my credit card because if I do not call that is a confirmation that I want it?????? This is a breach on contract because they are trying to change the terms of my account without approval almost to the point of extortion, because if I do n't react they are forcefully change my card to a XXXX resulting in financial gains to their corporation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-06
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX, 2014 I received a letter stating to settle my account with Citibank so I contacted them on XXXX XXXX, 2014 to settle my account for the amount in the settlement. The agent I talked with talked in circles and offered me a deal to pay {$88.00} short and she would lower my payment. I wanted to just get from under this debt, since my alimony money was n't being paid to help me out financially. They took the {$4000.00} leaving me to be responsible for the rest of the debt. I contacted Citibank on XXXX XXXX, 2014 and explained what happened to see if I could pay the additional {$88.00} to clear this debt and they said no because I declined to settle the debt. I contacted Citibank again on XXXX XXXX, 2014 and talked to the risk department and was told again they could not honor this settlement and now I 'm being sent letters stating I owe over {$5000.00} again!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-14
Company: NCB Management Services Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: Netspend Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Net spend all-access sent a credit card in my name and I didnt request. Tried to call and was told number is out of my service area. Which means not only did they send me a card in my name but they also have no way to contact other than web and who knows where that will lead.

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 2016-08-21
Company: CITIBANK, N.A.
State: DC
Product: Credit card
Issue: Rewards

Complaint:
First, the credit card charged me a late fee for the card member fee. When I closed the account, my reward points disappeared. There was never an option to use the reward points on the website. Thank you. 

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 2021-01-14
Company: CITIBANK, N.A.
State: FL
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 ACCOUNTS ON MY CREDIT REPORTS RTAHT DONT BELONG TO ME. THE ACCOUNTS ARE FROM : 1 ) XXXX XXXX/XXXX # XXXX XXXX ) XXXX XXXX XXXX # XXXX XXXX ) CITCARDS CBNA # 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 2021-01-14
Company: EQUIFAX, INC.
State: AL
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:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I, sent an ACH CANCELATION REQUEST VIA EMAIL on XX/XX/XXXX, informed this company that I am not able to pay at this time because of financial reasons and complications with my benefits. I, gave them more information than I, should have. I, received a reply email from a account representative who advised me that my account records indicate that I have been in contact with the lender, I, continued to advised any representatives that called me that I, am still unable to pay, however when able I, will surely notify them but at this time I, am dealing with my husband 's health crisis and I, specifically told them that dealing with his XXXX, on top of everything else I was unable to pay, I'm sorry but I, have to manage my other obligations because he's now XXXX. XX/XX/XXXX, I, attempted to pay my household responsibilities using my SS Benefits, I, was decline that is when I, check my account and found that the funds was taken from my account. This was unauthorized, this vendor claims that, there was no ACH CANCELATION, even when I, submitted the proof that also contains the reply acknowledging my email. From XXXX to XXXX attempts were made to debit my account and suddenly XX/XX/XXXX, they take the funds that I, relied on for my husband medical needs and household responsibilities. We had no XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: Radius Global Solutions LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Radius Global Solutions is calling me 6-7 times a day for a debt with an old bank credit card. I have not had a job due to surgeries and overall health issues. I tell them every time they call and they use abusive language and continue to harass me daily. I told them I plan on making payments when Im financially stable but they continue to harass me. When I try to talk to them they are rude and wont take no for an answer. It started off with them calling me maybe twice a day for the last year or two. And up to this day XXXX they call me 5-7 times in one day using different phone numbers even when I ask them to stop.

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 2020-03-19
Company: National Credit Adjusters, LLC
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This debt was covered under bankruptcy. I hadn't had any problem with being contacted regarding this debt until the bankruptcy was lifted from my credit report the later part of XX/XX/XXXX I believe. Beginning XX/XX/XXXX is when National Credit Adjust began to appear on my credit reports, XXXX, XXXX, XXXX XXXX. By XXXX, I began getting calls then mailings. I disputed the item through the credit bureau at least 2 times now. The first time online, the second time I spoke to someone directly. I explained this debt was a part of my bankruptcy. Also I am a victim of identity theft and I am still having issues with accounts saying I still owe. I still have to get a auto loan that was paid off via my insurance carrier at the time due to an accident but the loan company submitted more money as a write off versus what was actually paid. That's another issue. I've have tax fraud, credit fraud, even bank fraud. I have been signed up with XXXX XXXX and XXXX, and I keep my credit report locked. I had received something a year or so ago regarding a class action suit against speedy cash and other payday loans. I don't know if this issue is a result of that or mis-communication. If able I will attach documents related to my complaint. What ever I can get. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: Rocket Mortgage, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My wife and I started a new home loan with Quicken Loans mid summer of XXXX.The loan was for a home being built over a six month build. Due to issues related to coved we received assistance on the beginning of our new loan. Our new loan required PMI because it was financed 89 %. We sold our old home quickly and immediately removed the forbearance from our loan. Quicken required we pay two months payments before paying down the mortgage from an LTV of 89 % to an LTV of 33.66 %. This dramatic paydown is called a recast. Our loan states PMI will automatically be removed once the mortgage is paid down below ATV of 80 % .They say I am required to pay PMI for one year after forbearance due to missed payments allowed from the cares act. I am being unfairly penalized for something that was NOT suppose to affect my standing from our lender!

Company response to consumer: Closed with explanation