BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-08
Company: Ability Recovery Services, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
Ability recovery services is reporting to the credit agencies stating I owe them money for several accounts. There is absolutely no signed legal documentation for a contract between myself and Ability. I wrote them a letter back in XXXX referencing 15 USC 1692A-E and gave them 30 days to remove from my credit reports. It was delivered and signed for via certified mail. No contact from them has been made as of today.

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 2021-01-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Capital one Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/2017 Account type Open Account {$3500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19
Company: Grain Technology, Inc.
State: TX
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 this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose. 
Opened : XX/XX/2020 Amount : {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Over the last several years my mortgage had been sold/bought by several different loan service agencies. Seterus was the last loan holder prior to my selling the property on XXXX/XXXX/XXXX. Appears that after escrow closed on sale of this property, Seterus noted that I had over paid them by {$740.00}, and according to their records a refund check was mailed to my current address on or around XXXX/XXXX/XXXX. Up until mid XXXX XXXX I was unaware of this over payment, and that a refund check had been issued, but never received from Seterus. On XXXX XXXX, XXXX I received a letter from Seterus stating that the check they sent to us, had not been cashed, and at 120 days they would be sending monies to the state as " abandoned property ''. On XXXX XXXX, XXXX I called Seterus, my contact advised that they would follow up and reissue check. The amount was actually XXXX checks, but she combined total refund into XXXX amount. On XXXX/XXXX/XXXX I had not received check, and again called Seterus. They advised that they had verified check had not been cashed, and would be reissuing check this week, I should have it within week. Having received no check by XXXX XXXX, XXXX, I submitted a fax expressing concern on not having received check yet, and request they follow up. XXXX/XXXX/XXXX I again called Seterus, spoke to a XXXX XXXX, male, who went back to very beginning, pushed his information that was old news, refused to listen, but insisted I listen to him, put me on hold to research info, and after 10 mins + hold, disconnected my call. I now see that CFPB has well over XXXX complaints about Seterus, all with similar problems. I would like to collect the funds owed myself and ex-husband. I would also like to see Seterus not be able to buy loans of any sort, due to their poor management of peoples loans and money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-08
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Can not receive my free credit report online. I am only able to purchase for a fee. They are requesting validation of identity to provide the online report even though I can purchase it without the validation. I have made online disputes to credit report and they respond to the online dispute, they just will not provide the free report without red tape and delay which causes me to not access the free report. They are using this tactic to make money off of me, in violation of my FCRA rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 XXXX Account # 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

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 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 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 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 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 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 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 XXXXn accordance with the Fair Credit Reporting act XXXX Account 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 Section 2 : 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 2016-12-15
Company: SUNTRUST BANKS, INC.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
There is a foreclosure sale date on Monday XXXX XXXX, 2016. Due to XXXX XXXX, our house is subject to a moratorium in foreclosure activity. Suntrust has not dismissed its action to prevent the sale of the house in violation of the Presidential proclamation of an emergency as well as the XXXX order to prevent foreclosure activity for houses subject to the proclamation, such as mine. We sent a notice of error to Suntrust on XXXX XXXX, 2016 via email to Suntrust 's counsel of record and to Suntrust via certified mail. Suntrust has acknowledged receiving the XXXX but has not responded despite the fact that there is only one more business day before the sale of the home. Suntrust is not taking the appropriate action to ensure the house does not get sold at the foreclosure auction.

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 2022-10-19
Company: OPORTUN FINANCIAL CORPORATION
State: AZ
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 reported the charges as fraud and closed the card and got a new card. the credit company has not issed credits for the fraud. i called they ssaid it is under investigation and not issueing credits not time frame is given//bank is oportun XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Consumer Portfolio Services, Inc.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I financed a vehicle through Consumer Portfolio Services ( " CPS '' ) on XX/XX/XXXX by means of a fraudulent loan that made material misrepresentations of the finance charge. According 15 USC 1605, the finance charge must cover insurance premiums, but the contract has an unconscionable adhesion agreement that binds me into paying for my own insurance. The fourth page of the Contract states that [ y ] ou agree to have physical damage insurance covering loss of or damage to the vehicle for the term of this contract. The insurance must also include our interest in the vehicle. 

This is a pattern for CPS. I spoke with a supervisor at CPS, who confirmed that CPS never covers insurance. On XX/XX/XXXX, I rescinded the contract and demanded a refund in the amount of {$16000.00} pursuant to 15 USC 1635 in a commercial affidavit of truth that required a rebuttal and listed approximately 11 code violations. 

CPS never rebutted that affidavit, but instead sent me a letter acknowledging its receipt of my affidavit, making derogatory statements, and proceeding to demand payments from me. That letter was dated for XX/XX/XXXX. CPS CPS has NEVER denied any of the allegations or made any attempt to prove that the contract is valid and has refused to issue me a refund as required in 15 USC 1635. 

Not only is CPS refusing to refund me XXXX in payments as required by law, but I have spent approximately {$18000.00} on unnecessary insurance premiums. The fees charged by CPS are not a finance charge. CPS is simply using adhesion agreements to cover its fraud. CPS is illegally pocketing this money and intends to use its bogus contract as a frivolous defense. There are hundreds of thousands of consumers that have been affected. 

CPS has not taken any action to terminate the security interest on the vehicle so there remains a threat of unlawful and illegal seizure in retaliation for asserting my rights. CPS has a long history of complaints with the FTC, XXXX, and class action lawsuits.CPS is fully aware of its misconduct and does not intend to make this situation right.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
Dear CFPB : I am an XXXX XXXX veteran who is attempting to purchase a home and I am unable to do so because AES/NCT has an inaccurately reported XXXX accounts to the creditor bureaus containing an inaccurate " charge-off '' date. This is killing my credit score and I can not get it changed despite contacting the bureaus and the creditor. 

Could you please contact AES/NCT and ask them to correct the inaccurate " Charge-off '' date of XXXX, XXXX on my XXXX Credit Reports. This inaccurate " Charge-off '' date is listed incorrectly on all XXXX national collegiate trust accounts. See Credit Report. 
National Collegiate Trust Accounts Charge-off date 1. Account XXXX. XXXX XXXX, XXXX 2. Account XXXX. XXXX XXXX, XXXX 3. Account XXXX. XXXX XXXX, XXXX 4. Account XXXX. XXXX XXXX, XXXX 5. Account XXXX. XXXX XXXX, XXXX All XXXX National Collegiate Trust accounts were 150 days late in XXXX, XXXX. All XXXX National Collegiate Trust accounts were 180 days late in XXXX, XXXX. 

As far as I can discern, " Charge-off '' means that a creditor bank no longer carries the student loan account receivable on the creditor 's bank books as an asset. Under federal regulations, a private student loan lender must charge-off a student loan account receivable after it has been delinquent for 180 days. See XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX ( XXXX XXXX, XXXX XXXX. The " Charge-off '' date should be XXXX, XXXX. 

Please contact AES/NCT and ask them to correct the inaccurate " Charge-off '' date of XXXX, XXXX on my XXXX Credit Reports and change it to XXXX, XXXX. 
Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-14
Company: Ditech Financial LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am in a Chapter XXXX repayment plan. My mortgage was sold in XXXX from XXXX to GreenTree.I received an escrow adjustment letter from GreenTree stating I have a {$2600.00} shortage in escrow and my payment will go up {$170.00} per month if I do not pay them the shortage. I called and asked what bill increased as I had checked with my Insurance and taxes. They stated that they require a " cushion '' of {$3900.00} in escrow and if I did not pay it then my payment will go up. It was not my choice to be transferred to GreenTree, I do not have {$2600.00} to pay and I can not afford another {$170.00} a month simply to cushion the account. If I pay the {$2600.00}, my payment will drop to {$1300.00}, this is {$50.00} less than what I pay now. I asked how much I can pay to just stay the same an they said that is not an option. I feel like this is blackmail. In this scenario, EVERY mortgage transferred to GreenTree will have to pay a huge fee or suffer a big jump in mortgage payment. It was not my choice to be transferred. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29
Company: AES/PHEAA
State: MN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
American Education Services has a ridiculous interest rate type & percentage that changes monthly, making it nearly impossible to pay off a student loan in a lifetime. When I call, employees are rude, and are n't able to describe how my interest rate works, and is calculated, or how/why payments were applied as they were. With the repayment plan they have me in now, I will be paying over {$30000.00} for a less than {$10000.00} loan and will be paying until at least XX/XX/XXXX, for a loan that was taken out in XX/XX/XXXX. In the past 9 months I made extra payments in some months to try to get the principle to drop. In the past 9 months of the over {$2400.00} I have paid only {$1600.00} has gone came off the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Experian Information Solutions Inc.
State: MI
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:
the consumer reporting agencies have infringed on my privacy. they have reported negative information to my consumer report, and by law before they put anything on my consumer report, they have to have written consent from me the original creditor and natural person. They also responded stating XXXX of the accounts were verified and they updated another account. They can't verify anything that I didn't authorize them to do in the first place. that shows they didn't properly investigate and in the " XXXX, XXXX, Experian XXXX have violated credit reporting rules, XXXX XXXX XXXX says '' Article that backs up what I'm saying and the CFPB even backed this up. XXXX XXXX admitted that some of the disputes they didn't look at and the one that they did look at, they didn't investigate they just pressed a button.

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 2016-04-24
Company: CITIBANK, N.A.
State: DE
Product: Credit card
Issue: Billing disputes

Complaint:
I have a Macy American Express card and they call me 6 times a day collecting on a payment made in XX/XX/XXXX to the Macy credit card number I had then ( I think what they call their store card ). The money is and has been at Macy 's since XXXX/XXXX/2015 - {$730.00} - but they can move it between their programs or send me a refund. So I receive interest and fees each month on the paid balance - now up to XXXX - collection calls continuously and credit bureau negative reporting. They do not know how to fix, keep telling me to send in a payment and telling me their accounting staff would need to be contacted. It 's not American Express issue but Macy 's. They keep reissuing cards and it 's their issue to relive - MACY 's has had this money in their corporate bank account since XX/XX/XXXX before the due date. They have lost a good customer because of this and now want the company to be fined for this incompetent servicing of their credit programs and failure to follow their regulatory obligations - post payments when received.

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 2022-10-20
Company: Experian Information Solutions Inc.
State: LA
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 the Fair Credit Reporting act XXXX  XXXX XXXX Account # 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 Section 2 : 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 explanation
Consumer complaint received 2021-11-22
Company: Experian Information Solutions Inc.
State: IA
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:
Reference to the prior dispute that you do not handle according to the XXXX  guidelines. Experian will dispute the inquires listed in my credit file that do not belong to be. After this is done. You WILL provide with the name and contact information for any source that you used to verify the inaccurate information on the credit file. You better follow correct XXXX guidelines, next step is the attorney general. Want to be sued like XXXX XXXX and XXXX. Violate my rights again. You have been warned. 

following inquires are on my credit report are not mine XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2016-11-22
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Citibank credit card has been charging me for a service I did not sign up for called Payment Safeguard. They say I signed up for it in XXXX of 2007, but I did not sign up for this service. I requested they send me written proof or a recording stating I signed up for the service. And today, I only got a letter saying I signed up for it in XXXX of 2007, but provided me with no proof.

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 2017-02-02
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
This item has been on there over 15yrs. The company went out of business yet I faxed over canceled check to collection agency years ago showing I paid the balance off. They continue to 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 2022-10-20
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Contacted a company called XXXX XXXX services on XXXX XXXX after Ive gotten multiple emails stating that I owed a debt into which I stated id pay until I throughly looked at the debt and notice its over 7 years old ..I asked company for original creditor information which was met with silence.They then stated the account wasnt with them and i need to call LVNV funding I called and asked if they could send information in which they said yes but Ive NEVER received anything from them before I asked the company for the said information.The caller also named a debt I know for a fact isnt mine

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Other

Complaint:
In XXXX, 2015 I called Citibank 's customer number to dispute XXXX charges ( for a cancelled order ) on a rarely used credit card. Everything seemed fine at the time. But that agent must have 'flagged ' something on my account incorrectly, because they since have decided I 'm deceased! In the last XXXX weeks I 've literally spent phone-hours with various agents, who finally told me when I asked them to close my account, that it already was closed because I 'm deceased. A XXXX later, we received a letter addressed to my Estate from XXXX XXXX, Citibank XXXX XXXX. So I Priority-Mailed him/her colored photos of my Social Security card and current CA Driver 's License along with a photo of me holding that day 's XXXX XXXX XXXX. I BEGGED them NOT to report the untruth to any of the credit report agencies. If they do, this would snowball into more of a nightmare than it already is. Can you please help me with this? Thank you!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief