BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-14
Company: UMPQUA HOLDINGS CORPORATION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I " purchased '' equipment financed through a company using Financial Pacific Leasing, XXXX XXXX. I believe they call this " leasing '' to avoid XXXX in XXXX Laws, but a brief review of complaints on XXXX show that they are financing, not leasing equipment, which was my experience. I negotiated a price with the company selling the equipment. They then brought paperwork to my office for me to sign. The price was printed, then crossed out, and I was told that the printed price was an error, but the agreed upon price was corrected ad written in by hand. I was told there was no interest as the financing was arranged through the selling company, which was selling used equipment, so that made sense to me. There was no mention of financing fees or interest in the documents. There were multiple places tro sign, all of which stated I was signing under my company name, not personally financing the equipment, which since it was for my company, also made sense. This is except for XXXX line that was sandwiched between XXXX places saying that I was signing as a member or officer of the company. That one line sandwiched in between stated that I was personally guaranteeing the loan, and they didn't have to come after the company for failure to pay, but would rather come after me personally. Of course, with any financial signing, I was told " sign here, sign here, and sign here ... '' Nothing was stated to me pointing out this one clause deceptively placed in the document. Later in the documents, there is an accounting of the payments and how long the payments will be made. I did not calculate this out as I trusted it would accurately reflect the price I was told I was paying. It did not. It was about 50 % more than what I was told I would be paying ( this is the same complaint as all the other complaints on the XXXX ). Now that I can't pay due to effects on my business of Covid, I am attempting to resolve this, and I am told that I still owe more than I originally agreed to pay, even though I have already paid 50 % of the original agreed amount. XXXX says the additional amount is " interest '', and that the amount I agreed to pay was the amount XXXX agreed to pay for the equipment, not what my cost was. When I asked for copies of the documents they had, they could not furnish me with copies of the document showing the original total amount I was to pay. I have this document, but they tell me this is irrelevant, and that the only amount that matters is the payments I agreed to make. They say they are going to repossess the equipment, but that I will still owe the same amount, and that I personally guaranteed the loan, so they are coming after me and not 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 2015-09-30
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Other

Complaint:
About two years ago I had filed a CFPB report due to an unauthorized Hard pulled due to the Credit department promising me that it would be a soft pull. Issue was resolved, and it was promised to be removed. Also, I had a late from XXXX XXXX that I was lead to believe would be changed. Those changes never occurred. I am a year from buying another home but I moved on. 
I noticed that on XXXX/XXXX/XXXX that I had a Hard Inquiry on my credit report. I cant believe that this is happening to me again. I called the Executive Line. The lady at first attempted to dismiss me, and wanted to transfer me to the Credit Department. I told her I will not speak with them since I have not requested credit. She looked at my file, and could not determined the reason for the Hard Inquiry. She asked that I emailed her with a copy of the Hard Inquiry on my credit report. I could have done that but had a gut feeling that she did not have a genuine interest in assisting me. Also, I was just offended that I would be stupid enough to ask for additional credit when I preparing to apply for a Mortgage. 
I have theory as to the reason for the Hard Inquiry, and just wanted to see if she could figure it out. On XXXX/XXXX/XXXX, Macys, billed me for a pair of eye glasses that me and my spouse never ordered. I had to call customer services, and shockingly was informed that my account was crossed with another account. Therefore, the cost of the pair of eyeglasses was reimbursed. The Macys rep stated that that the Items were ordered by another customer in Ohio I believe. Furthermore, I think the person who added this fraudulent charges to my account somehow did the Hard Inquiry. 
I love my Macys Card because it reminds me of when me and my Mother used to shop there. However, I cant keep having those issues. 


This is a XXXX XXXX statement : ACCOUNT ACTIVITYFilter XX/XX/XXXXAll TransactionsACCOUNT ACTIVITYDATE DESCRIPTION AMOUNTXX/XX/XXXX XXXXINTEREST CHARGE $ XXXX XXXXPAYMENT THANK YOU - $ XXXX XXXXMACYS.COM XXXX NY - XXXX XXXX XXXXMACYS.COM XXXX NY $ XXXXthis is a copy of the Hard Inquiry : MACYSAddress:XXXX XXXX XXXX OH XXXX ( XXXX ) XXXXDate of Request:XX/XX/XXXXAddress Identification Number:XXXXComments : Unspecified. This inquiry is scheduled to continue on record until XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX accordance with Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A. States : it also states a consumer reporting agency can not furnish a account without my written instructions

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 2020-04-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: ERC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Received fro  m ERC a settlement opportunity on   XXXX   XXXX  , 2017 for an original balance due of {$640.00} : 1. I am without sufficient knowledge of a balance due and therefore entire existence of a balance due to ERC is being disputed by me.
2. Demands for a genuine original promissory note with my wet ink signature have gone unanswered. I have stated a bill of sale is not evidence to the fact.
3. Further, ERC has never produced original signed chain of assignment ( if applicable ) and/or any credible evidence and/or circumstances that resulted in such an original balance due made on me at this time.
4. This information erroneously appears on all (   XXXX   ) credit reporting agencies and I have asked   XXXX   to dispute such claims with no response from ERC.
5. As such, all such information should be deleted from all (   XXXX   ) credit reporting agencies.
  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19
Company: CITIBANK, N.A.
State: ND
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We started dealing with Citi Mortgage back in XX/XX/XXXX for a modification. During the process of approximately 14 months, of continuing to send them documents after documents. The same documents many times. Having approximatley XXXX different representatives helping us. With each time a change in representative, meant us sending again the same documents. Also, we found out that some had different answers than others. At the beginning of this process, we were told by Citi Mortgage that in order to be approved to continue to go on with the modification process, we had to be 4 months behind. If we are current that shows Citi Mortgage there is no need for a modification. So that is what we did. I will say that is the dumbest thing we did. Than we ended up to where out acct ended up in foreclosure status, and we could no longer make payments. After many, many months of frustration we contact XXXX XXXX XXXX to have them help us with the process. We started with them in XX/XX/XXXX. As of today, we are still working with them. XXXX XXXX XXXX representative tells me that Citi Mortgage continues to ask for documents. XXXX of many frustrating moments is with XXXX at Citi Mortgage. We have sent multiple times a letter stating in regards to some land we have. It was stated to her in detail that this land is a cash rent land. There is no mortgage on the land, it was in-heritated. It is split between my husband and his XXXX siblings. That the land is crop land only. We stated who farms it, the amount we receive. XXXX decided to determine we had a home on this property. Which delayed things again. There was never any indication of a XXXX home. If she would have read the answer to her question on this property, she should have known that it is crop land only. Is a field of weeds until the farmer puts the crop in. That we get a payment XXXX a year. not monthly as she was assuming. We have been served papers today by the attorney for Citi Mortgage, but yet they continue to call us daily. We do not speak to them as that is what XXXX XXXX XXXX is for. 
This process has taken way too long. Many of the documents that they keep asking for do not change. The only thing that changes slightly is our pay stubs and bank statements. We need help to get this finalized.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
XXXX credit reports that I applied for a XXXX XXXX XXXX card on XX/XX/XXXX. This activity is fraudulent. I have called XXXX XXXX XXXX hotline and ensured them it was fraudulent activity and they recommended I dispute here. This activity needs to be removed from my XXXX  credit report. 

On XX/XX/XXXX, XXXX reported that I took out a Kohls/Cap One card. This activity is also fraudulent. I have reached out to Kohl 's hotline as well and ensured them it was fraudulent activity. This also needs to be removed from my XXXX credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-22
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 never applied for any loans with XXXX, XXXX my information was stolen and this account is inaccurately being reported on my credit.

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 2015-11-24
Company: GEORGE MASON MORTGAGE, LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
My complaint is with CFPB. Today - I was told by the lender and the title company that I was not allowed to see the closing disclosure because it 's considered confidential on behalf of the buyer. I am the XXXX. I am the extra eyes that make sure all the fees are correctly reflected. Why is it that CFPB is showing disrespect to XXXX who are interested in protecting their buyers? CFPB should have an authorization form for a buyer that ALLOWS XXXX to complete the process and check to make sure everything is as it should be. Minimizing the role of the realtor in the transaction is a huge oversight for a Buyer and any vendors who 's fees may innocently, and inadvertently left off the closing disclosure. How does that get rectified when THAT happens? I am very disappointed in CFPB reducing a XXXX role in the transaction. That is shameful! A Buyer does n't have a clue without the guidance of an experienced XXXX. Shame on CFPB for making settlement that much more difficult despite all your efforts to simplify.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Recieved email from " Wells Fargo '' asking me to verify information on my account. I have no wells fargo account. never have. See below Wells Fargo Online XXXX We discovered multiple failed attempted login on your account on Mon. XX/XX/2019 at XXXX. Hence, we temporarily locked your password. 


Click here to verify your information now to avoid account suspension. 


Our apologies for the inconvenience. This is a big deal to us too, and we will do what we can to help you. 


Wells Fargo Online

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 2021-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
In XXXX and XXXX of 2020, I filed a dispute with this credit bureau about the unverified account : XXXX XXXX.Account number XXXX and Account number XXXX In those2 months I have not received the requested information for verification of these account. I have asked numerous times for a valid response. I have not received anything in response from this bureau in over 30 days as well. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these unverified accounts as of today. 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 explanation
Consumer complaint received 2019-02-26
Company: Convergent Resources, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a statement in the mail today, XX/XX/19 from Convergent Outsourcing , Inc. stating that XXXX placed my account with their office for collection. The statement states I owe XXXX {$88.00}. I checked my XXXX account balance and it is XXXX. I contacted XXXX and they stated they did not submit my account to a collection agency and reaffirmed that my balance is XXXX. I did not contact Convergent Outsourcing as I think this is a scam. It says on the back of the statement that I need to notify them within 30 days of receiving this notice in order to dispute the validity of the debt. I'm not sure if I should do that because I think it is a scam. 
I checked the XXXX XXXX XXXX site and they have had numerous complaints about this 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 2022-07-21
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
my name is XXXX XXXX XXXX XXXX social security # XXXX i am a victim of identity theft all credit cos we're already informed & and given police reports including XXXX in XXXX Minnesota state abbreviation MN please adjust my XXXX XXXX to a normal-perfect XXXX XXXX XXXX or better please please clear my credit report to a new credit report social security XXXX XXXX XXXX requested after contacting your agency to get a new driver 's license number # and & to get a new social security number please process my request right away please i unlocked my credit on XXXX XX/XX/2021 thank u XXXX XXXX XXXX was notified new address XXXX XXXX XXXX XXXX MA XXXX and & XXXX XXXX XXXX XXXX MA XXXX thank u

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 2021-12-14
Company: CarMax, Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Carmax XXXX XXXX is reporting a billing error. You can not report income on a consumer report and it must be excluded pursuant 15 usc 1681a ( A ) ( 2 ) ( I ) of the Fair Credit Reporting Act.. A charge off is a loss or expense. I am requesting to see proof of a 1099C form. Reporting unfair and inaccurate information on my consumer report has ruined my reputation and violates 12 cfr 1022. I do not agree.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Equifax - Fail to Respond letter XX/XX/2020 XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX RE : Account of XXXX XXXX Collection amount claimed I owe {$1700.00} Account number XXXX Dear Equifax, This letter is to inform you that the debt collector, XXXX XXXX XXXX has failed to respond in the 30 day timeframe to my Validation letter. The company legally must now cease ALL collection efforts, and remove the negative items placed on my credit report. It's a violation of the collection practices act for a debt collector to fail to respond to my verification letter. 
Under the Fair Debt Collection Practices Act, XXXX XXXX XXXX, is required to respond to my request for validation within 30 days of receipt of my communication. It has been more than 30 days, and I have yet to receive a response. 

Under both State and Federal consumer law, I have the right to have my debt validated, and XXXX XXXX XXXX is obligated to respond within the statutory time limit. 

Failure to respond to my requests for validation is a violation of the Fair Credit Reporting Act. I have included with this letter, a copy of the certified mailed receipt proving that XXXX XXXX XXXX received my Validation letter.

This letter is to also inform you that the Texas Statute of Limitations ( 4 years ) on this debt has expired. This letter is my legal right of assertion that the debt is no longer a collectable debt. You must hereby cease and desist all collection actions and activities on this account against me, immediately. 

Please be aware, Failure to abide by the FDCPA could result in legal action against you and fines assessed by the U.S. Federal Trade Commission. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX XXXX XXXX  XXXX has a charge off on my credit report that was paid in full through " gap '' insurance. 
this account has been reporting delinquent to my credit sine XXXX  2018. 
capital representative confrimed to me over a recoreded line. that they did in fact receive all the documents and payouts to settle this account in 2018. i was not aware of this until recently. ive previously disputed this account with all three credit reporting agenices. XXXX, XXXX  and experian reported this account as been certified to there agency. which i know NOT to be true. experian, XXXX  and XXXX  has not or ever contact me to validate the accuracy of this account. they never contacted me to verfiy this account. i was never asked or given my premission to have said account reported to my credit profile. there was never even proof that i was ever offically notified of this account being placed on my credit, late, charged off or the methed they was to certify that this account and or where they got the certification that his account was in deed my and 100 % accurate.

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 2017-01-30
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have been paying off my private loan for 8 years, and my balance has gone up over that time, rather than down. I have made numerous phone calls to talk about different payment options, and have been hung up on.

Company response to consumer: Closed with explanation