BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-05
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Equifax is not updating my report accurately, they report account status as 31-60 past due for account # XXXX for creditor New York and company, which is NOT accurate. I called creditor to dispute information and XXXX from New York and company credit made me aware that information was already updated to show PAYS agrees on XX/XX/2015. I pulled my report on XX/XX/2015 and it indeed showed Pays agrees on XX/XX/2015, confirmation number for that report is ; XXXX. I checked my credit report again on XX/XX/2015 and it was reinserted to show 31-60 past due which is NOT correct credit reporting. I spoke to a XXXX which is a supervisor at Equifax and I made her aware that I have a confirmation to show that on XX/XX/2015 creditor updated to show Pays agree and that this information needed to be corrected. I was then asked to repeat the same dispute again for the second time. I pay my bills and I am a hard working person I want to have a better life for my family and would appreciate some help. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: ENCORE CAPITAL GROUP INC.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
They have sent me letters stating that they will start a lawsuit against me after I sent them a debt validation letter that they have not responded to, which they are legally obligated to respond to, ( Letter arrived XX/XX/2020 to their main office ). They've also harassed my sister, calling her with MANY numbers. The letter is dated XX/XX/XXXX, it is XX/XX/XXXX and they're only giving me until XX/XX/XXXX. The last letter was marked XX/XX/XXXX and I only received it XX/XX/XXXX VIA XXXX and they wanted a payment in FOUR DAYS that I couldn't afford because of the current pandemic.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-31
Company: ALLIANT CREDIT UNION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I continue to have issues with Alliant Credit Union that are unique to other creditors. I have an auto loan with them that is on auto deduction each month out of my checking account. My payments have been made on time each month because they are auto deducted. Recently I began receiving emails and call from them saying my payment was past due. I checked my only bank records and the payment has been paid on time each month. When I called Alliant they told me I'm {$110.00} past due because they added auto insurance to my payment which raised my payment higher than the {$300.00} per month so the payment I made was shown as short and not applied correctly. I have auto insurance and have had with XXXX for many years. The policy has never had a gap. Alliant never made me aware of the need for me to provide my updated policy. They added insurance ( even though I have always had coverage ) without my permission and added unauthorized charges to my account. They ask me to call a number and provide proof of insurance when I called them today so I called and gave them proof of coverage with no gaps. I called XXXX today and confirmed that I have had coverage with NO GAPS for several years. I'm attaching proof of coverage

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-29
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Advertising and marketing

Complaint:
I applied on-line to Citibank for a Thankyou Preferred Master Card in late XXXX 2015, under an offer to receive XXXX bonus points by spending {$1500.00} within 3 months of the card account being opened., I received the master card in early XXXX, and I made a purchase of {$1700.00} on the card on XXXX XXXX, 2015. 
I did not receive the XXXX bonus points as was advertised. Upon inquiring on this, I was told that my account was opened through a solicitation which offered a {$100.00} XXXX gift card after completing {$100.00} in spending with XXXX within 3 months of card membership. 
I do not recall receiving this solicitation. In fact, it was the on-line offer for the XXXX bonus points which enticed me to open the Thankyou Preferred Citicard. This offer is still available on-line as of today. 
I was told by Citibank that I had to provide proof of having applied under this offer in order for them to do anything. I can not do this as I did not print a copy of the on-line application I completed. Given that I specifically applied for the Thankyou Preferred card, despite there being multiple offers for other Citibank cards, I certainly did not anticipate that they would later refuse to credit the XXXX bonus points once I completed the terms of the promotional offer. 
Why would I have spent {$1700.00} soon after the credit card being opened, and nothing else since? 
All Citibank has to do is confirm that the XXXX bonus point offer was in effect when I applied in late XXXX 2015. For them to refuse to credit the bonus points and instead tell me that my account was opened under a different offer is incorrect, and guilty of false advertising. 
I hope you can assist me in resolving this matter. 
Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-10
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have sent XXXX XXXX numerous letters to get my personal information correct ... They will correct it and then place the information BACK on my credit report. 

I am demanding to have my work information removed from from my XXXX XXXX credit report ( all 3 bureau reports )

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 2022-04-16
Company: CL Holdings LLC
State: FL
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:
ATTENTION DISPUTE DEPARTMENT JEFFERSON CAPITAL SYST XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Appli

cability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious JEFFERSON CAPITAL SYST XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/1981 ADDRESS XXXXXXXX XXXX XXXXXXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Late fee

Complaint:
My credit card account ( account ) had a statement balance amount of {$440.00} dated XXXX XXXX, 2016 due on XXXX XXXX, 2016. 

Prior to XXXX XXXX, 2016, the payment due date, my account was posted with XXXX credits for returns which totaled {$480.00} With the total credits from returns of {$480.00} exceeding the statement balance amount due of {$440.00} by {$38.00}, it appears to me that I did not have to make a payment and I did not. 

Unfortunately, my account was assessed with a late payment fee of {$25.00} for not making a minimum payment. The explanation I got on the phone from the credit cad provider was " credits do not count as payments ''.

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 monetary relief
Consumer complaint received 2015-12-22
Company: CITIBANK, N.A.
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
macy 's double-charged me for an item. i disputed the bill immediately. many calls and disturbingly long wait times, i was told it was now zero. i just got another bill -- they placed a five-dollar amount on my bill, with late charges of XXXX they dont answer and keep charging late fees -- it was up to XXXX before my latest call. i am elderly and feel taken advantage of. i 'm sure i 'm not the only XXXX being scammed by macy 's. can you help?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-31
Company: EQUIFAX, INC.
State: VA
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: Problem with personal statement of dispute

Complaint:
I, XXXX XXXX XXXX, have received post correspondence from XXXX XXXX regarding XXXX XXXX alleged Stafford Loan XXXX. I demand that you disclose all the documents upon which you are relying on. In accordance with your obligations under the Fair Credit Reporting Act 15USC1681 ( g ) the consumer is intitled to said records the requested records. The information you are reporting is harming my reputation, its adversely affecting my credit worthiness, and I am being denied credit as a result of inaccurate reporting. I demand disclosure of the following documents : Uncontested WET INK signature. Not a copy or electronic signature. 
Written WET INK requests for deferments. 
If your company can not provide the requested WET INK signatures allegedly signed by XXXX XXXX you must DISCHARGE THIS DEBT and correct ALL inaccurate information being reported in my credit report being published by your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This collections agency has called several times and hung up. I have been in contact with the collections agency and scheduled payments, but they still call and hang up. I 've asked them to make a note on my account that my payments have been scheduled via EFT but they continue to call, and when I answer, they hang up.

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 2015-06-30
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
There is an address of XXXX XXXX XXXX, XXXX, CA XXXX, that is listed on my report. I have never lived at this address. Until just over 2 yrs ago, I lived and worked in XXXX XXXX County for over 30 years. Can someone please remove this address from my credit reports? I do n't know where this address came from but it is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: CMRE Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THE COMPANY, CMRE FINANCIAL SERVICES , INC, PURCHASED A DEBT FROM DELETE FROM MY REPORT, BECUSE THIS IS FRAUDULENT AND MISLEADING INFORMATION THAT IS ATTACKING MY CHARACTER AS A NATURAL PERSON AND CONSUMERS. COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION ACCORDING TO XXXX XXXX XXXX ( XXXX ). I AM AN NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX XXXX 15 USC 1692 ( A ) ( 1 ) The term Bureau means the Bureau of Consumer Financial Protection. XXXX, XXXX and XXXX are assumed to be credit bureaus and there is only XXXX XXXX and that is the Consumer Financial Protection Bureau. On XX/XX/1933, XXXX enacted XXXX to suspend the gold standard and to abrogate the gold clause. This resolution declared that Wheras the holding or dealing in the gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... Are inconsistent with the declared policy of congress in the payment of debts. This resolution declared that any obligation requiring payment in gold or a particular kind of coin or currency, or in a amount in money policy ; and.. .Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public or private debts. 15 USC 1681 ( 3 ) ( E ) ( e ) The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

Also, according to the Fair Debt Collection Practices Act, codified as 15 USC 1692, you, as a Debt Collector are required by federal law to verify with the physical original written and signed consumer contract on recording, related to the account you are attempting to collect on. Otherwise, anyone paying for your XXXX XXXX services could fax, mail or email in a fraudulent account. 
Your failure to verify* this account is trespass on right to privacy and to contract. Under the FDCPA, unverified accounts are considered a XXXX XXXX and any demand for payment of such is an attempt to extort and administer property without right.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Experian Information Solutions Inc.
State: NJ
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:
Solicitations and damaging remarks on my credit report

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 2017-01-25
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company have repeatedly called my family and have discussed the situation and threatened legal action against me. This company already have my information but still continues to harass my family. My family can provide voicemails and call logs of this company violating the FDCPA law. Also this company uses terms like the " civil division of this law office '' in an attempt to scare and cause panic within my family. This company have been sent a cease of communication notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
The attached accounts were removed by EquiFax in XXXX 2015. They were added back by EquiFax which is in violation of the Fair Act. I have attached the removal as reported by EquiFax and the adding back on XXXX 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello I had an Auto loan with Credit Acceptance Corp. I paid the loan off in full as of XX/XX/XXXX. The account is not only still showing open but there has been no updates since XX/XX/XXXX on the payments made up until I paid the account off. XXXX payments made on time are not reflected on my XXXX XXXX Credit Report. That keeps your score low. Recently I have used your services because they were marking me late on payments that they should not have and 2x we had to deal with that. I'm starting to feel like this company keeps intentionally doing things to try and keep my credit score low. Also not sure if they did the same thing on 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 2021-08-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In early XXXX I received an email from Bank of America advising me that my monthly statement was available. When I printed out the statement, it was clear that one of the checks BoA had cashed was not mine. I immediately called BoA and was told that clearly fraud had been committed and that my checking account should immediately be shut down. I complied and the next day went to my local branch office and opened a new account. I asked about the check in the amount of {$26.00} that the bank had erroneously cashed and was told that the fraud would be investigated and I would be made whole for the check. After several calls, visits to local branch offices and providing the information requested by the bank, I was reimbursed {$26.00} on XX/XX/2021. Inexplicably, on XX/XX/2021 the bank reversed the reimbursement. When I called the Banks fraud department to determine why, I was told that my claim had been denied because the check was cashed. This is preposterous, because it wasnt me that cashed the check, it was the BoA. It seems like Im being penalized for the Banks error.

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 monetary relief
Consumer complaint received 2022-04-14
Company: NAVY FEDERAL CREDIT UNION
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: Account information incorrect

Complaint:
NAVY FEDERAL CR UNION Date opened XX/XX/2019 Amount {$22000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: CrossCountry Mortgage LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello In XXXX of XXXX my wife and I contacted Cross Country Mortgage company to request PMI removal. We closed on our home in XXXX, XXXX and did a 10 % conventional mortgage and had PMI. 

We received a letter from cross country stating that removal from PMI can not happen unless substantial improvements to the property warrant the removal. 

Since purchase of the house for {$530000.00} we have invested ( at the time of the request ) {$170000.00} into permitted home improvements. We submitted a list of improvements and a {$320.00} check for the appraisal to remove the PMI. 

Cross Country then hired a company to do the appraisal. The company hired sent a third party to take pictures of the property and the appraiser did a desktop appraisal. We paid for a full appraisal due to improvements to warrant the removal of PMI. 

On XX/XX/XXXX our appraisal was complete and it came back at {$590000.00}. At that moment we owed {$470000.00} ( approx ). We needed to be at {$470000.00} or below for removal. 

I proceeded to contact Cross Country and offered to pay the difference extra in principal to remove the PMI, to which they said it doesnt work that wayfunny how they wont accept the new appraisal amount. 

After I requested multiple times and finally received the appraisal I found many issues with it. As we have called almost daily to fight our case we have been escalated to an empty desk who does nothing to rectify the situation. 

Now 3 months later I have found the sq footage is wrong on my appraisal XXXX sq feet less than our home is based on the property appraisal for XXXX XXXX XXXX. Also they had the wrong city on the appraisal. Cross Country continues to say it is being escalated but there is nobody to speak with who can make any decisions. 

At one point a resolution specialist from XXXX XXXX, who cross country uses for their research XXXX XXXX emailed me XX/XX/XXXX stating they are reviewing my case and I will have an update or resolution and they will reach out by email or phone by XX/XX/XXXX. We are now at XX/XX/XXXX and we have never had a response back, even though multiple internal messages have been sent to this specialist. 

The difference in sq footage alone would have raised my value based on the sq footage appraisal value placed at {$75.00} from their appraiser in the comps. That would have raised the value {$4900.00} alone which would have been enough to remove my PMI immediately. They still have not responded to any of this. 

I have contacted their social media page on XXXX and they said someone would contact me immediately on XX/XX/XXXX and still nobody as contacted me. 

Please help us resolve this situation as it is literally theft what they are doing

Company response to consumer: Closed with explanation