BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
My disputed is with a company saying that I had a account with them in XXXX 2010 for a car loan in which I had never did any businesses with them no paper work to show I have disputed this with all XXXX credit reporting company with no help other then they say it right when I know that it is wrong the company that is reporting this is XXXX at XXXX XXXX XXXX XXXX, LA XXXX the account number they show is XXXX. I ask for your help in this matter. as I 'm not getting any from the company

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 2017-07-17
Company: Diversified Consultants, Inc.
State: ME
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 noticed a few weeks ago that I had a collection account from   XXXX   XXXX   on my credit report. I did an online chat to try to see where this stemmed from. The rep could not find any balances I owed, I called in and spoke with another rep who had the same findings. A few days later a woman contacted me saying they found that I never returned equipment and had an outstanding bill. I did return the equipment and closed down the account back in  XXXX  of  2014 . I disputed the information and they agreed to remove it. They removed it from   XXXX   and  XXXX  but not  XXXX . So I called back in and discovered its because they never notified the collection agency and now they are refusing to contact the collection agency and are stating the debt is valid. Doing research online and they have a history of doing this to consumers.They have not provided proof that this account and balance is valid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-17
Company: EQUIFAX, INC.
State: ME
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 noticed a few weeks ago that I had a collection account from   XXXX   XXXX   on my credit report. I did an online chat to try to see where this stemmed from. The rep could not find any balances I owed, I called in and spoke with another rep who had the same findings. A few days later a woman contacted me saying they found that I never returned equipment and had an outstanding bill. I did return the equipment and closed down the account back in  XXXX  of  2014 . I disputed the information and they agreed to remove it. They removed it from   XXXX   and  XXXX  but not equifax. So I called back in and discovered its because they never notified the collection agency and now they are refusing to contact the collection agency and are stating the debt is valid. Doing research online and they have a history of doing this to consumers.They have not provided proof that this account and balance is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: SUNTRUST BANKS, INC.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I 've learned while I was under wage earner, my identity have been stolen and is being abused. My personal information have been stolen. Drivers license, social security card. My date of birth changed with all   XXXX   credit agencies, my former employers have been changed from   XX/XX/XXXX - XX/XX/XXXX . All  of my former addresses have been changed.
While under  wage earner t he bank changed to Sun trust Bank. I never had a loan with sun trust. My payments were payroll deducted by my former employer   XXXX   XXXX   XXXX   XXXX  . I 've learned it is an inside job, the theft of my identity.   XXXX   XXXX   posed as a paralegal with the   XXXX   XXXX   XXXX  . I filed a   XXXX   XXXX   law sue in   XX/XX/XXXX . The family began preparing my death without my knowledge. In  XX/XX/XXXX  I was gi ven a   XXXX   XXXX   of   XXXX   XXXX   in the doctors office. I was flown to  XXXX  by a private jet. Both parties expected for me to pass away. They were told by the doctor if I do n't have a   XXXX   XXXX   I would n't survive.   XXXX   XXXX   amended & restated all of my tax returns and made themselves my conservator. They took my home in   XX/XX/XXXX   by selling the first mortgage on my home. The family refinanced my 2nd mortgage and took my home while I was under  wage earner. I am  reporting to all of my creditors. The case number was   XXXX  . I was discharged on   XX/XX/XXXX   with   XXXX   XXXX  . My social security number is  XXXX . My credit report do n't show the last four digits Of The loan/account number. This is the reason I included my social security number. My drivers license number is  XXXX . I 've reported the theft of my drivers license to the department of motor vechile in the state on Tennessee. Nothing has been done. I 've changed my last name to my maiden name, which is  XXXX . I kept my married name to prevent losing history. My parents are deceased, my father   XXXX   XXXX   XXXX   passed away in   XX/XX/XXXX .  His social security number is still being used by the     XXXX   Family  . My mother name us   XXXX   XXXX   XXXX   she passed away in   XX/XX/XXXX .  The FBI told me it 's an inside job.

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 2015-12-28
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I tried to request a credit report from all XXXX bureaus through Experian. Their site is very misleading, and they force you to call in and cancel a membership, which you never really asked for, within 7 days. All I wanted was a report from all XXXX bureaus, not a service with Experian. I paid {$39.00} for that, and now they 're trying to force me to pay another {$21.00} for a service I never knowingly asked for. Just another way the U.S. government is allowing credit bureaus ( and corporations in general ) to act indecently and mistreat the public.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-17
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Navient keeps harassing me everyday. Calling m e 30 tim es a day every day, from different numbers. They keep violating my right under the law. This has caused emotional trauma for me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
XX/XX/2015This complaint is in regards toCitizens Bank N.A. ( Citizens One Auto Finance ) XXXX, XXXXI submitted a payment to pay off my loan on Citizens Bank - web pay on XXXX/XXXX/2015. The payment was withdrawn from my checking account on XXXX/XXXX/2015 for {$17000.00}. I spoke with Citizens Bank on XXXX/XXXX/2015 who told me the payment processed and the title was mailed. I received the title and a letter stating the account was paid in full. On a side note, the reason I called on XXXX/XXXX/2015 was to ask why they attempted to withdraw the amount ( {$17000.00} ) again on XX/XX/XXXX and XX/XX/XXXX resulting in two insufficient fund fees ( {$32.00} each transaction ) from my personal bank. These fees were reversed by my bank on XXXX/XXXX/2015 once they realized that the original payment went through, and the latter two attempts much have been a mistake. 
I received a call a few days ago from Citizens Bank N.A. stating that I was delinquent with my monthly payment, and the money withdrawn from my account on XXXX/XXXX/2015 was reversed because I submitted the final payment online. I was not aware I could not do this. Citizens Bank N.A. is telling me that the payment was reversed and redeposited into my checking account. However, the money was not returned to my account. I have a bank statement showing that the amount was withdrawn and not redeposited. I was also told the title sent to me is null and void. 
I think this is poor business practice and terrible customer service. I feel this is a breach of contract. If I could not pay the loan off online, this information should have been provided to me when I called for the payoff. Each time I call they can never find the notes from my previous calls. This is very frustrating and {$17000.00} is a lot of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: Webcollex, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am filing this complaint because CKS Financial has ignored my request to provided me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone past 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Citibank has called twice a day, everyday. They never leave a voicemail. And it is only because my most recent payment is late. It was due on XX/XX/2021. Citibank does this every month, even if my payment is just a day or two late. It continues until I make a payment.

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 2016-01-11
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I do not owe any of these depts. The the last two months, every month, I have tried to dispute the bad reports to XXXX credit report agencies, and they all got removed. However, the next month, these dept collection agencies keep adding the same debts on my credit reports. It wastes me a lot of time and frustration to file the disputes with XXXX agencies every month. These collection agencies keep call me every month, and they spelled out the name and date of birth which were clearly not mine. 
I belief their stragety is to bother me to the point where I will feel so frustrated and I will pay for the depts I do not owe. 
These are the XXXX collection companies the file delinguents on my credit reports every month : PHOENIX FINANCIAL SERVICES, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received my billing statement on Saturday,   XXXX    XXXX , 2017. The billing statement shows  XXXX / XXXX /2017 as the Statement Date. The  XXXX / XXXX /2017 Statement Date implies that this bill took 14-15 days for delivery to me. For this reason I do not believe that the  XXXX / XXXX /2017 date approximates the date when the bill was presented to the    US Postal Service for delivery to me. My expectation is for the Statement Date to b e the date when the Statement was prepared. I have brought this problem to the attention of th e Green Tree ( DiTec h ) organization on previous occasions ; their assertions as to bill processing are unsubstantiated and therefore are viewed as unresponsive.
 XXXX 
Recent  XXXX  notices indicate that   XXXX   XXXX   XXXX   is approaching a time when the shares will no longer meet the   XXXX    listing requirements.   XXXX   XXXX   XXXX   also has proven itself unable to submit Financial Reports free of material error.   XXXX   XXXX   XXXX   appears to be in breach of its loan covenants. To date there has been no advice from   XXXX   XXXX   XXXX   as to what the debtor responsibilities may be if/when   XXXX   XXXX   XXXX   goes into liquidation or becomes unable to perform the servicing business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My rights under the wage earner law has been violated. My identity have been stolen. Fraudulent accounts were open while I was under  wage earner . My case numbers are  XXXX  and  XXXX . I was discharged  in  XX/XX/XXXX  on the first case &  XX/XX/XXXX  on t he second case. My drivers license have been stolen, social security card. My date of birth changed with all  XXXX  credit agencies. All of my former employers have been changed. All of my former addresses have been changed. A seven year fraud alert have been placed on all   XXXX   credit reports. The  XXXX  Family have tried to take my life to keep me quite.   XXXX   XXXX   posed as a paralegal with the   XXXX   XXXX   XXXX     XXXX   have complete access to my personal information and she 's abusing my identity. I am missing four digits Of The account number because I did n't originally open this account. My social security number is  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: U.S. BANCORP
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My home was slated for foreclosure. In XXXX 2016 I was contacted by a man who saw my home listed on the Internet. I had contacted my Lender for an application for a HAFA short sale in XXXX. The Lender is required to respond within 10 days. They did not! In XXXX 2016 I received several mailings from the lender including a Loss Mitigation review Summary Package. They approved a traditional short sale ; and did not even consider the HAFA, nor did they explain their decision. I meet all of the criteria for HAFA. Can you 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 non-monetary relief
Consumer complaint received 2017-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have repeatedly asked for an update to credit report with all  XXXX  credit bureaus in regards to  XXXX  reporting on my credit report. It is now  XXXX  2017 and the account is not reporting as " Included in bankruptcy '' This is an ongoing issue. I do not understand why I have  XXXX    XXXX    accounts reporting on my credit report anyhow. They are all the same account, I only had  XXXX  loan with them but because I refinanced with them for the same account they listed another account. The account was sent to collections after my bankruptcy was filed, However, the collections account removed item from my credit report, stating they did not have knowledge of my bankruptcy before the account was sent, their resolution was to remove it.  XXXX  sent my account to collections after I filed for bankruptcy, knowingly aware of the status yet they violated my rights nonetheless. This is very frustrating and regardless of the attempts with the credit bureaus and CFPB also investigating, I am not getting any results. I have several investigations into this matter filed and saved and will have to pursue a different avenue if the issue is not fixed.   XXXX   is in violation of the bankruptcy laws and no one seems to care. They reported my account late with a balance up until the past 2 months as " OPEN ''?????

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 2017-07-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Select Portfolio Servicing continues to violate my Fair Debt Collection Practice Act by submitting false information to Credit Reporting Agencies. SPS has not removed false degoratory comments on my credit report. These wrongful comments have adversely affected my credit worthiness and hampered my chances of acquiring new credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-07
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card
Issue: Rewards

Complaint:
American Express agreement stated that I would receive XXXX membership reward points after XXXX in purchases in 92 days ( three months ). This was a promotional program. I have not received those points. I contacted American Express Customer Service regarding the points not being applied to my account. I have not received a resolution

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-15
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Disputed with all XXXX 'credit agencies ' since XXXX! There should be nothing on any of my credit reports except Dept of Education showing as XXXX, closed. It shows on Experian but then they also show XXXX XXXX. THERE IS NO XXXX XXXX! They have exact same thing twice looking like I have XXXX different student loans. In addition, XXXX XXXX crooks have put " late payments '' THERE WAS NEVER ANYTHING DUE ALWAYS IN DEFERMENT UNTIL DEPT. OF EDUC TOOK THEM AND THEY ARE XXXX. They were sent proof XXXX and mo 's and mo 's at huge expense to me over and over, and now Experian has all XXXX ( XXXX XXXX should not be on any of my credit reports! ) ; XXXX XXXX has it all XXXX ; and XXXX has only XXXX XXXX XXXX ( completely wrong! ) this is so stupid to have XXXX do this continuously since XXXX WHEN ALL MY STUDENT LOANS WERE TO DEPT OF EDUC AND BECAME XXXX XXXX XXXX does this on purpose, they are biggest bunch of crooks in U.S. besides banks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23
Company: Ditech Financial LLC
State: NV
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
New acct number XXXX, changed from XXXX XXXX XXXX, XXXX. 
*** # 1-For XX/XX/XXXX, Ditech submitted a fraudulent federal form XXXX, attached, reporting {$2700.00} for # 1 mortgage interest received from payee ( s ) / borrower ( s ). ***We paid {$2600.00} interest in XX/XX/XXXX ; the difference is {$99.00}, attached XX/XX/XXXX monthly statement. ***On XXXX XXXX, XXXX, Ditech removed {$99.00} from our account as payment for late fees. ***Rather than report this {$99.00} ( or rounded up to {$99.00} ) as income from late fees, did Ditech report it as interest per mortgage contract? 
*** # 2-Ditech creatively posted our first XXXX payments to remove the late fees. ***Ditech 's agent mistyped our XXXX payment ( XXXX/XXXX/XXXX ) short by {$2.00}. ***Ditech 's transaction spread sheet ( in XXXX/XXXX/XXXX letter ) shows not XXXX {$770.00} payment but XXXX, {$670.00} UAF and paid late fees {$77.00} ( prev balance ) and {$22.00}. ***Ditech created the {$22.00} ( should be {$38.00} ) late fee amount, thus zeroing out the UAF after posting P & I. 
*** # 3-Ditech did not honor the agreement for our first payment ( XXXX/XXXX/XXXX ) by posting 2 months of new escrow rather than applying 3 of the 13 months of escrow overage for our payment to post as 3 months of P & I. ***While having possession of our 13 months of escrow overage, Ditech put our account 2 months in arrears.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10
Company: Nelson Cruz & Associates LLC
State: TX
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On or around XXXX XXXX, XXXX, I was contacted by Nelson Cruz and Associates regarding an outstanding debt that they said I owed from XXXX XXXX of XXXX. They wanted to settle the original debt of {$570.00} debt with a {$300.00} payment. The information they gave to support this loan was correct, but not the information I would have used. References were all family members including my minor children, which I would never have used as a reference. This loan was applied for under my nickname and not my legal name. Which makes it very suspect. Also the documentation had my nickname, working for my legal name. This was all read to me over the phone and I have never received any formal documentation or proof of legitimacy of this loan in the mail. No documents with my legal signature have been provided to me. 
In my research, they gave me an account number they said was from XXXX, who was supposed to have issued the credit card. When I contacted XXXX, they could not find any record that I had a credit card or a loan with them. XXXX said the XXXX number had never been used by them. Talking with the security department XXXX XXXX, they said this sounded like a Scam and not to pay them. I also contacted XXXX XXXX who purchased some of XXXX debt, and they had no record of an outstanding balance or anything that had been charged off on me. I also tried to look up the XXXX number on this account and it shows that it has never been issued. XXXX said they had never used this XXXX number either. 
In seven years this has never showed up on any of my credit reports. I have never received a statement, never got a demand letter. In talking with XXXX security and collection department, their policy is ; 90 days they send out a demand letter and in 120 days a demand letter with a request with a return receipt. I have not received any of this. These people have not sent us any proof or documentation that I applied for this credit card or proof of any demand letters being sent to me. And there has n't been any attempt to collect this over the past eight years until now. It all does not make sense to me. XXXX XXXX XXXX had recommended I not pay them anything and to block their phone numbers. The FBI agreed and for me to get in touch with you along with the postal inspector and the FTC. The new name they called me under today XXXX XXXX was with ; XXXX XXXX and Attorney XXXX XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed