BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-12
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I applied for a Citi Diamond Preferred Card in order to use a transfer balance offer they had XX/XX/2021 it was approved and I applied to do a balance transfer online. It was my intent to transfer money to my XXXX XXXX XXXX XXXX Mastercard in the amount of XXXX. 

XX/XX/2021 I received an e mail stating my balance was available online, and it looked like the balance transfer went through. I checked my XXXXr account and I did not receive the funds in any of my accounts, and called them to confirm they had not rejected any payments, and they had not. 

I have called Citi Bank to find out where the funds went and they stated to a company by the name of " XXXX XXXX XXXX ''. I do not have an account there and don't know how my funds were sent there. Citi was made aware of this and started an investigation which produced no results, and basically told me to call XXXX XXXX myself to get my funds. I refused to do so because I don't have an account with them and should not have to fix their mistake. On XX/XX/21 I was then told by XXXX agent ID XXXX that Citi provided my bank account information to XXXX  XXXX along with a letter stating the funds were sent in error. I did not provide authorization for my personal bank information to be sent to another company who I don't do business with. They said the plan was for XXXX XXXXXXXX to transfer the funds to me this way. I stated I no longer wanted to balance transfer funds and wanted my account closed because this is fraudulent. I was then told the company " XXXX  XXXX '' was affiliated with XXXX XXXX XXXX XXXX in some way and to call XXXX XXXX XXXX XXXX to see what they could do. When I did this on XX/XX/21 they stated the money was not transferred to any of my accounts and suggested I call Citi back to resolve the issue with them. I have no idea what is going on but it feels like someone stole my money and is trying to charge me for it or blame me for their mistake. I emailed XXXX XXXX information sent to me about the transfer in hope they could help resolve this, but I have not heard back yet. I have been on hold for hours trying to resolve this and it feels like it is going nowhere. I need help!

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 2020-03-26
Company: Experian Information Solutions Inc.
State: AR
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 been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am eligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found a car loan on there that I have never applied for. This item is not mine. Please remove this from 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 2015-12-18
Company: Financial Credit Network Inc
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Financial credit network claims to be collecting on behalf of XXXX XXXX XXXX which I never had business with. My numerous attempts to resolve the matter with them went ignored. I requested debt validation in accordance with FCRA rules and regulations and they failed to proof validity or ownership of this debt. However they are still reporting this on my credit report which is damaging my credit rating to an extend. I request they DELETE this collection from my report and STOP their harassing collection efforts once and for all!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: Ditech Financial LLC
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Ditech, formerly Green Tree Servicing is the mortgage servicer on my Home Equity line. I just began my repayment period. They are trying to charge me an interest rate and payment that is clearly in violation of my contract. I have no problem paying what I owe and have never been late on a payment, but when the telephone representative reads the contract with me, but the company says they ca n't find the information and must review it, they are trying to collect extra interest that is clearly in violation of my contract. 
When I inquired about this mistake, they listed it as a dispute on all XXXX credit reporting agencies, so now unless I agree to pay the incorrect amount I ca n't get this dispute closed. They are definitely dragging their feet because the correct interest rate and principle balance are stated right on my monthly statement. Yet, the payment due reflects and interest rate XXXX points above that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: Firstsource Business Process Services, LLC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have never received a letter from One Advantage, just a phone call. I called them back and explained my situation and I can only borrow {$1000.00} from my brother to pay this off. I spoke to XXXX twice and she refused to ask XXXX XXXX XXXX if they would accept my offer. Im not employed and Im XXXX XXXX XXXX and cant work any longer. 
The collection agency is in XXXX, Illinois and XXXX XXXX XXXX is in XXXX XXXX part of XXXX. The balance is about {$3300.00} and I was told it will go on my credit by XX/XX/2022 and possibly sue me if not paid in full, or settled for {$2300.00}. My spouse is on XXXX XXXX XXXXXXXX and gets {$1900.00} a month. Can you help me? Thank you.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I AM IN THE PROCESS OF PURCHASING A HOME AND WAS PROVIDED A FULL COPY OF MY CREDIT REPORT. AFTER VERIFYING MY REPORT, I NOTICED SEVERAL UNRECOGNIZED NEGATIVE ITEMS THAT ARE PREVENTING ME FROM OBTAINING A MORTGAGE. 

I DID SOME RESEARCH ON THE CFPB WEBSITE AND FOLLOWED THE STEPS TO HAVE THESE ACCOUNTS VALIDATE AND/OR DELETED FROM MY REPORT. FOUR MONTH LATER I FIND MYSELF WITH LITTLE TO NO RESPONSE FROM THE  BUREAUS. THEY HAVE NOT RESPONDED TO SEVERAL LETTERS I SENT AND HAVE NOT PROVIDED DOCUMENTATION TO CLARIFY/SUPPORT THESE ACCOUNTS. 

I HAVE PROVIDED ALL THE DOCUMENT NEEDED TO PROCESS MY REQUEST WITH NO SUCCESS. PLEASE FIND THESE DOCUMENT ATTACHED TO MY DISPUTE.

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 2021-03-12
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I HAVE INQUIRIES THAT I DID NOT AUTHORIZED I HAVE WRONG NAMES AND ADRESSES THAT NEED TO BE CORRECTED I HAVE LATE PAYMENTS THAT ARE NOT CORRECT I HAVE ACCOUNTS THAT SAY CHARGE OFF WHICH IS NOT TRUE I HAVE COLLECTION ACCOUNTS THAT I DO NOT BELONG TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: MIDFIRST BANK
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
ON XX/XX/2021, I unfroze 4 bureaus that I have frozen, and applied for a savings account via Vio Bank. My scores are all above XXXX, and all information provided on the application is accurate. 

The website denied the application, without providing any reasons. The website did provide a phone number, which I called, but the agent said they can not provide any information nor the databases they used to deny my application. The agent suggested I tried again on the website. 

So I tried again two more times on XX/XX/2021, and again once on XX/XX/2021. Same result. 

I have decided to take my cash elsewhere ( I am just trying to maximize FDIC coverage by opening more bank accounts ). 

I do, however, demand that this bank inform me, in writing, about the reason ( s ) for denial, as well as the source of any and all information they have used to reach their decision, so I have the opportunity to contact the sources and rectify any errors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: ONEMAIN FINANCE CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
One XX/XX/XXXX when signing the original loan documents papers with Onemain Financial. During the signing process the loan representative changed the original loan documents causing the original loan approval to be deleted. The loan representative keep trying to get the loan reapproved but his actions resulted in multiple hard credit inquires and letters that the loan was declined. I was finally able to sign for the loan on XX/XX/XXXX. I called XXXX  but was told that I need to file a police report and send them a copy of the report. They refused to open a dispute. 
I mailed a letter dated XX/XX/XXXX to Onemain Financial disputing the multiple hard inquiries. I confirmed, by phone, that the letter was received on XX/XX/XXXX. 
Their response was to send me letter why my loan was turned down instead of investigating the issue. I have made several calls to get a update on my dispute but only receive a run around. My last contact with Onemain Financial was on XX/XX/XXXX. I was told that my file was given to someone who was investigating the dispute and finished it XX/XX/XXXX. I was also told that I may to start the dispute process over.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: LEXISNEXIS
State: GA
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:
In accordance with the Fair Credit Reporting Act, the following accounts below have violated my Federally protected consumer rights to privacy and confidentiality pursuant to 15 USC 1681. Section 602 A which states that I have a right to privacy. Also, they have violated my rights under The Financial Privacy Act of 1978, and credit denial in violation of 15 USC 1681a ( k ). This entity also violated 15 U.S. Code 1602 ( p ). Also violating 18 USC 894. Using my TRADENAME without express written consent in violation of O.C.G.A. 16-9-93.1 Names Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX 
XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX They ( credit furnishers ) have violated my rights, and restraint of trade in violation of 15 USC 1, and 15 USC 2.

Additionally, it clearly states under 15 USC 1681 section 604 A section 2 that a consumer reporting agency can not furnish an account without my written consent.

15 U.S. Code 1681c ( a ) ( 1 ) Section states ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act.

15 U.S. Code 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report contain any of the following items of information. Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S. Code 1681s2 ( a ) Duty of furnishers of information to provide accurate information.

( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I have a line of credit loan with Wells Fargo ( and car loan with XXXX ). Both are simple interest and both use a tactic that when you make an additional payment over the minimum instead of going against the principal they are applied to future payments. To apply additional payments to the principal you need to make a separate payment and forward to a different address. What a pain and not like my mortgage. Seems to be similar to loan tactics of the XXXX that tried to to discourage paying off loans early and max interest costs/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 explanation
Consumer complaint received 2022-10-26
Company: CAINE & WEINER COMPANY, INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Caine and Weiner has violated my Federally protected rights. I sent the attached Notice and they failed to comply. I am aware of the fraud your company is committing. Pursuant to 15 USC 1692 a-3 I am not obligated nor responsible to pay a 3rd party debt collector. I am aware of my SSN belonging to the Social Security Administration and anything purchases with that identifying number is an obligation of the United States according to 18 USC 8 and being that you are attempting to collect on debt that aroused out of transaction that was used solely for personal, family and household purposes making you guilty of the False Claims Act 31 USC 3729-3733. I will report your company to the Federal Trade Commission ( FTC ) as they prohibit holders and purchasers from selling and purchasing consumer credit contract you are violating CFR. 433.2 using deceptive and fraud practice to collect on an alleged debt. You are now on Notice to Cease all Communications from me From all Mediums which medium includes my consumer report. Failure to comply will result in Legal Matters in Federal Court and reporting your deceptive, fraud practice to the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: Velocity Portfolio Group
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter of a alleged collection of a debt I did not own nor authorize, nor sign any documentation hereto ... XXXX XXXX XXXX, contacted me in representation of Velocity Investments another 3rd party collection company, that purchased from XXXX XXXX XXXX XXXX ... in representation of XXXX that discharged and charge off of a account I did not authorize, nor owe ... complete fraud on their parts.

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 2015-09-16
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
On XXXX XXXX, 2015 I XXXX XXXX XXXX XXXX, XXXX XXXX Veteran filed an Mortgage Application with the Navy Federal Credit Union, to-date I 've not received a call or letter as to the status of my VA Mortgage loan application. My mortgage loan representative 's name is XXXX XXXX, my loan application number is XXXX. I 've called and called and left message for XXXX XXXX at XXXX ext. XXXX to no avail. I 'm a XXXX veteran and an American with XXXX, I 'm filing complaint with HUD at XXXX ext. XXXX and XXXX ext. XXXX for discriminatory Practices and I 'm asking that they investigate this matter. Also I 've contacted the Feds Adult Protective services at XXXX. Lastly I 've demanded that the Navy Federal Credit Union complete an supplement and or re-scoring of my credit score do to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX at XXXX compromising, changing and falsifying credit scores with XXXX, XXXX and XXXX. I 've spoken with XXXX XXXX with Navy Federal Credit Union my loan officer, and I 've spoken with their Reporting Agency, XXXX, an XXXX XXXX regarding the Fraudulent false reporting imposed by XXXX, XXXX and XXXX attempts implemented by these REPORTING AGENCIES by sabotaging my credit rating by refusing to make the necessary correction to my credit report after submitting evidence to their reporting agency, XXXX. I 'm taking this fight public due to my XXXX and race with gainful efforts of exposing Discriminatory Practices by Navy Federal CREDIT UNION, and I want give up, thanks! CFPB I look forward to working with your Federal Agency.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received correspondence today XXXX/XXXX/2016 from Carrington Mortgage in the name of my ex-wife only. Please see attached correspondence addressed to my ex-wife labeled " Carrington Mortgage 1 ''. When I called Carrington Customer Service at XXXX XXXX XXXX XXXX to request that correspondence be mailed to me as the primary account holder, I was advised by the telephone service representative to re-finance my mortgage! I simply wanted to have correspondence addressed correctly to me. When I stated my request again, the telephone service representative spoke with the " senior specialist '' XXXX in the Indiana branch ; XXXX ID number was XXXX. The telephone service representative advised me that XXXX advised her of the same thing : for me to re-finance my mortgage! This telephone conversation occurred on XXXX/XXXX/2016. My XXXX mortgages with Carrington Mortgage were recently sold to Carrington Mortgage by XXXX XXXX XXXX, and in the approximately 10+ years that my mortgages were at XXXX XXXX XXXX , I never once received correspondence from XXXX XXXX XXXX XXXX my ex-wife 's name. I am writing this complaint to demand that Carrington Mortgage properly and legally address correspondence for my XXXX Carrington Mortgages to me as the primary account holder or be addressed in both my name as my ex-wife 's name as was done in recent correspondence by Carrington Mortgage. Please see attached document labeled " Carrington Mortgage XXXX ''. It came as a shock for my wife to see correspondence addressed to my ex-wife at my home address ; also for legal notification purposes, as the primary account holder, my name should be addressed on all correspondence from Carrington Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: ECMC GROUP, INC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
My student loans were part of a chapter XXXX bankruptcy that was discharged in 2014. Initially, the amount outstanding claimed was {$1700.00}. Soon after, Educational Credit Management Corp. added approximately {$8000.00} to the balance for " fees ''. It is my knowledge and belief that this is illegal, as I understand that the CFPB has enforced proper sanctions in similar situations. My loans are 30 years past due. I never was able to obtain employment as a result of my education. I am unemployed now. When I attended school my program that I was enrolled in was terminated by the school so that I could not receive a degree in that program. I will be applying for dismissal/forgiveness of my loans through proper channels. I ask that the board act on this complaint to resolve the immediate issue of improper debt collection practices asap. I also request suspension of debt collection activity as well. In addition I request that my tax refund offset of {$1300.00} be sent to me from this debt collector which it has recently collected from the IRS.

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 2016-07-06
Company: Debt Recovery Solutions, LLC
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
A 5 year old account ( with XXXX, which was removed from my credit file a year ago ) is now being reported on my credit report by Debt Recovery Solutions. I 've never received any information from this CA relating to this debt. The information they are reporting is inaccurate ( dates ). They are reporting the account was opened in XXXX. The original XXXX account was closed in XXXX XXXX and a refund for final payment over-payment was received from the original creditor ( XXXX ), yet 6 months later, XXXX began reporting on my credit reports that I owed them {$260.00}. I refused to pay it, as initially stated, the account was closed with a slight over-payment and I was refunded. Sometime in XXXX the original reporting was removed from my credit file. XXXX XXXX, XXXX Debt Recovery Solutions appears on my credit file as a collection account on behalf of XXXX. DEBT RECOVERY SOLUTIONS XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Did not contact me regarding this debt, including offering me the right to dispute the debt before reporting to the credit agency ( ies ).

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