BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-16
Company: ENCORE CAPITAL GROUP INC.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have notified the debt collectors that these accounts never belonged to me. My private information was used without my knowledge to open multiple accounts in my name. Please correct immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-02
Company: MRS BPO, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent letters to XXXX, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 60 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so. 

I demand these items I disputed in my letters to be blocked, removed and deleted from my consumer report immediately. I am trying to obtain credit and need the bureaus to respond. Please intervene and assist me with this request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-18
Company: CITIBANK, N.A.
State: RI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I was to receive approximately XXXX- {$110000.00} of debt relief on my existing mortgage with Citifinancial if I agreed to transfer my mortgage through XXXX XXXX XXXX. I began the process of transferring my mortgage to XXXX XXXX XXXX in XXXX of 2015. In order for the new mortgage to be accepted ( it was an FHA loan ), I needed to do some much needed repairs to the house. I began the hard work needed to make the house pass the inspection required by XXXX XXXX and FHA. The repairs consisted of siding the house and installing all new windows throughout the home. I am a school teacher so I do not receive a paycheck throughout the summer months. I have to budget sufficiently throughout the school year so as to have available the necessary funds needed to get through the summer. Unfortunately I had to use those funds to prepare the house. I felt this was a good trade off however because I would be getting the debt relief mentioned above. As time progressed, one thing after another came up causing me to have to take additional steps and slowing down the process. Throughout this time Citifinancial kept sending updated payoff worksheets to myself and XXXX XXXX. All of my creditors were left hanging throughout the summer as there simply was n't any money left to pay them due to the numerous financial issues that needed to be addressed in order to secure the mortgage transfer causing my debt ratio to go down ( which was the need ) but also causing my credit score to plummet as well. My electricity was almost shut off. My car payment was in arrears, as was my cable, phone, insurance, and property taxes. In XXXX of 2015, school was back in session, the paychecks were once again coming in and I started the slow process of using my income to dig out of the hole I was/am in. On XXXX XXXX, 2015, Citifinancial issued a new payoff worksheet that is good through XXXX XXXX, 2015. When my agent from XXXX XXXX XXXX contacted the Citifinancial branch in XXXX, Connecticut to set up a closing date, she was informed by the branch that my mortgage had been transferred to another lending agency on XXXX XXXX, 2015. I did not receive any correspondence from Citifinancial or the new leasing agency XXXX XXXX XXXX prior to the transfer so I had no idea that this was to take place. Had I known of an impending transfer, I would have insisted on a closing date that would have been prior to XXXX XXXX, 2015. If my mortgage had been transferred to XXXX on XXXX XXXX, then why did Citifinancial issue an updated payoff worksheet dated XXXX XXXX, 2015? Now I find myself in a situation where Citifinancial says they ca n't do anything about it because they no longer hold my mortgage, XXXX will not give me the debt reduction that Citifinancial was giving me, my credit score is horrific, and many of my creditors are calling me daily demanding payment from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: EQUIFAX, INC.
State: PA
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 sent you a letter on XXXX, to this date I still received no response from you. My name is XXXX XXXX SSN # XXXX. I am starting to take this complaint to the next level for your negligence. its like i am begging for errors to be removed from my report when it shouhld not be there in the first place. I am keeping record of everything so I could use them if in case you continue to ignore me. This caused me so much trouble.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: Experian Information Solutions Inc.
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:
I have tried to dispute 2 accounts that do not belong to me with Experian. They have refused to remove these fraudulent accounts to no avail. They are in violation of the FCRA.

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 2016-07-19
Company: Carpenter, Hazlewood, Delgado & Bolen, PLC
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
XXXX XXXX XXXX XXXX, managed by XXXX XXXX has received a judgement against my home that I am attempting to sell as a short sale and the attorney representing them is not willing to submit a settlement to the XXXX XXXX XXXX XXXX or XXXX on the contrary they have said in an email to my Real Estate Broker that they are going to charge addtional fees on this file if he continued to ask questions of them regarding the debt settlement. They are forcing foreclosure upon me when HUD and XXXX XXXX have allowed them a settlement amount and they are not willing to negotiate their inflated fees and settle this account so my home can be sold.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-27
Company: EQUIFAX, INC.
State: FL
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 credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Mandarich Law Group, LLP
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I disputed this debt with XXXX XXXX XXXX as I never received any notification about the debt they say I owe. I have asked for communication that was sent to me and I still have not received any information. They sent my job a request to garnish my wages which started XX/XX/2022 in which the amount they said I owe has been collected and more. My employer has reached out to them numerous times and gets the run around just like I have. They give an email address and then when you email and call to follow up they say oh it was recieved but not read so they give another email address and they say try this one my employer calls back and they say oh fax this number and the whole time my employer advises they cant stop garnishing my heck until they receive a release. This has been going on for over 2 months and I have XXXX kids with the youngest being XXXX XXXX XXXX he is the one being impacted as I cant afford to take care of him with XXXX dollars a month that doesnt even take care of daycare or food clothes a roof over his head nothing. My next step is reaching out to the Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: Experian Information Solutions Inc.
State: GA
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 need to be removed and blocked immediately due to fraud and identity theft : 1. XXXX XXXX XXXX Account # : XXXX 2. XXXX XXXX XXXX Account # : 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 2016-03-18
Company: Go Capital Holdings, LLC
State: LA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My vehicle was repossessed last Saturday XXXX. Full disclosure, this is the second repossession and the first was in XXXX XXXX. I redeemed the vehicle shortly after and have made every payment ( sometimes early ) which means I am NOT in default. According to my contract, my payments are due on the XXXX of each month. XXXX, XXXX, XXXX, and XXXX have all been paid. XXXX will be due soon. I am not understanding why my vehicle is gone. 
Let 's say I was in default, which according to my recent payment history i am not, according to my attorney, Go Financial illegally and wrongfully repossessed my vehicle. Below you will find the act according to Louisiana Law. 

Effective XXXX XXXX, XXXX, Louisiana 's Act 191 ( " Additional Default Remedies Act '' ) and Act 814 ( " Notice of Repossession '' ) permit a " secured party '' or " a lessor '' to take possession of collateral without judicial process provided : 1. ) the Security Agreement, or lease, contains the following specific wording : " Louisiana law permits repossession of motor vehicles without judicial process '', 2. ) prior to taking possession, a notice of intent is sent to all debtors, in writing, containing the specific wording : " Louisiana law permits repossession of motor vehicles without further notice or judicial process '', 3. ) a " payment '' default exceeding 30 days ( monthly installment contracts ) or 60 days ( weekly or bi-weekly contracts ) I never received a notice letter of intent. Because I was not 30 days behind. 
Nor can Go Financial show where I was 30 days behind. 
In addition, after the vehicle was taken, I contacted Go Financial. They gave me the recovery company info. After speaking with them, they asked if I would mind if I could meet up with the driver to sign a self-help vehicle surrender form which obviously needed to be signed beforehand. 
I am also in the process of filing a suit because I have lost a significant contract with a client worth $ XXXX. 
Lastly, I am requesting correspondence via email.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: Experian Information Solutions Inc.
State: MI
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:
I was a victim of identity theft, i had rightfully disputed this XXXX account in year 2018 in which it was agreed upon and blocked as well as removed in 2018. Today this same account shows up on the credit report again. This is harassment and i am requesting that this account be removed permanently. 

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 2022-10-27
Company: U.S. BANCORP
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
My Mother has XXXX and threw out her credit cards in XXXX XXXX as of the XX/XX/XXXX statement, this USBANK account had a credit balance of {$420.00} on it. I am her son and have power of attorney. I called US bank to close the account and have them send a check for the credit balance. I spoke to them on the phone in XXXX with my mother on the phone and they agreed to send the credit balance and close the account, but by then had assessed {$81.00} in fees for " Non-Payment '' on an account with a positive credit balance, so mailed us a check for only {$340.00}. After this, they did not actually close the account, and continue to assess additional fees. there has been no usage on this account since then. On XX/XX/XXXX I faxed in my power of attorney docs and am attaching fax reciept of the transmission, but they have no record of receiving the POA docs. The current balance on the card is now {$420.00}, with is entirely fees and interest assessed after I notified them that we wanted the account closed and they sent us a check for the credit balance. US Bank wont discuss the account with me and state no record of POA on the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02
Company: CITIBANK, N.A.
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am behind on my mortgage payments. I tried to go online to make a payment and it says I must call the office before they will allow me to make a payment. My company, Citi Financial, only takes checks and will hold them for up to 10 days before clearing my account. Online debit or credit card is not an option. I have tried in the past to talk to them but they hold me up on the phone for up to XXXX hour with insults and threats when I just want to make a payment. The closest local office is XXXX miles away since the office in my town no longer services my mortgage. How can I get them to take my payment as I am trying to get the account current but do not have all of the money at one time? My only income is through my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: I.C. System, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have multiple listings of a debts from IC Systems collecting for XXXX pet insurance. I was never notified of the accounts, and they appear on my credit report with no notice causing great harm to my credit report. One is even a duplicate! Moreover, I do not use XXXX. These items should be removed immediately! The amounts are : {$180.00}, {$180.00}, and {$520.00}.

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 2022-04-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hey. I had a bunch of charges on my USAA accounts, That i couldnt remember anything about. So I disputed it with the bank. 

There was : XXXX x XXXX ( {$13.00} and {$20.00} ) XXXX XXXX {$100.00} Money transfer XXXX XXXX XXXX {$1600.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
National credit adjusters is reporting to the three credit bureaus that I have debt in collections from 2014 from XXXX XXXX  XXXX. I have never had a loan XXXX XXXX XXXX and have asked them to furnish proof that this loan belongs to me but they have not provided any documentation proving that this my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: WINNPOINTE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Dear officer, I am reaching out to you to complain about bad and unethical practices of mortgage lender " Interactive Mortgage '' and seeking help from you to get the justice. 
Through a reference, I approached Interactive Mortgage for refinancing my home mortgage.They offered me a rate of 1.99 % ( 15 years fixed ) without any contingencies after talking to me. They asked to fill the application and also they told me that they would pull my credit. Before I gave my consent for pulling credit, I asked for rate confirmation and they said " yes. They did not mention any contingencies on the rate. I did all the paperwork and sent the documents on XXXX. They told me that thy would would comeback after 20 days. I reminded once on XXXX and they came back on XXXX. They sent closing disclosures for signatures. 
I signed and before sending, I went every piece of information. I realized that they increased the rate to 2.125 % without notifying me. I believe that it Is not at all a good practice by any means. Who with good business ethics would send closing disclosure with increased rate without discussing with borrower? They have confirmed the rate without any contingencies before pulling my credit and before I spent time to do all the paper work. 

I mailed back them asking why did they increase the rate. They mentioned apprised value of the house do not qualify for that rate. My loan amount is XXXX. My home is appraised for $ XXXX by the agency sent by them. If that is the case, that should be a contingency before I spent time for all the paper work and my credit is pulled. They are saying that I filled XXXX as approximate home value. How would I know the my home value? Now a days, lot of people check XXXX for the latest home value estimates which shows XXXX. Since I spent lot of money for renovation, I gave approximate value $ XXXX. They are taking this as excuse to increase the rate. 
If they had put this as contingency before conforming the rate, doing all paper work and pulling my credit, I wouldt have proceeded with them since I had alternatives at that point of time. Since I lost time and competitive advantage because of their bad business practices, I would request to intervene and do the needful. 

Thank you for your time and service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Capital one has a previous issue with ne through you unresolved due to deceitful practices ( attached ) This bank is assisting criminally insane law enforcement officers with law enforcement style stalking. This is just a form of victim harassment through third parties. They have my XXXX in their possession and are withholding it and asking ME for identification for a computer verified 5 yr old account. Identification is the current scam of the XXXX XXXX XXXX in law enforcement who were also stalking with the last reports. 

I need all my money and for this bank to stop assisting the mentally ill with fraud and the violent crime of law enforcement style stalking. No investigation goes on for 5 years. Capital one has assisted the criminals and hides the recorded calls and evidence for them. 

I want all the evidence and my XXXX I am on XXXX and have to use it within 30 days for housing or the discrepancy they are causing forces me to lose my benefits for 3 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-12
Company: Experian Information Solutions Inc.
State: GA
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:
I sent in a dispute XX/XX/2020 and have yet to receive a response from the credit bureaus and it's been 30 days.

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 2015-06-22
Company: WESTERN UNION COMPANY, THE
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
I used the Western Union website on XXXX/XXXX/15 to send {$2900.00} from my bank account to me while I am in XXXX. An email from Western Union on XXXX instructed me to send the money via WUPay, which I did. My bank account was debited on XXXX and my account statement shows the payment to WUPay. Since I had another email from Western Union on XX/XX/XXXX that they had not yet received the money, I called them on XXXX. The agent told me that she had to have someone investigate this and I would get a response by XX/XX/XXXX. Nothing. On XX/XX/XXXX I received an email from Western Union stating that they were cancelling the transfer at my request. I never made this request. As I was travelling when this email came in, I called them on XX/XX/XXXX and spoke to XXXX in Agent Support. Eventually she told me that this needed to be referred to an offline compliance department to investigate and they would get back to me in an hour or XXXX. It has now been almost XXXX hours since we spoke and I have received neither a telephone call ( I gave her my current number in XXXX ) nor an email. I have tried calling again but the lines are going into a hold pattern with no indication of how long my wait might be. I ca n't afford to do this on an international call. It 's now been two weeks since my bank delivered the money to Western Union. Where is it? Why ca n't Western Union confirm they do or do not have it. I need that before having my bank go chasing the funds from their end. I need a response. I should have received my funds at least ten days ago!

Company response to consumer: Closed with explanation