BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-17
Company: Experian Information Solutions Inc.
State: MD
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:
My information was used.

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 2019-12-23
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX To : MIDLAND FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Subj : Please Verify Debt Below Account Number : XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX  Balance : XXXX Dear MIDLAND FUNDING LLC, This is to inform you that I've recently pulled my credit report and noticed that there's a collection from your agency on my credit report. I have never been notified of this collection. However, this letter does not imply that I refuse to pay this debt. Rather, I would like to dispute your claim. 

As per the FDCPA, I have the right to request a validation of this debt. I request you to prove that I am indeed the party who is by contract obligated to pay off this debt. 

I hope you are aware of the fact that reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I'm sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Consumer Financial Protection Bureau XXXX CFPB XXXX and other state/federal agencies. 

Please attach copies of the following documents : 1. Agreement with your client that authorizes you to collect on this alleged debt. 
2. Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor. 
3. Complete payment history on this account so as to prove that the debt amount you wish to collect is correct. 

Thank you for your time, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
On XXXX XXXX XXXX I was given a summons for a complaint that 's being filed XXXX XXXX XXXX for hospital bills dating XXXX through XXXX. I have not been contacted by phone or mail to pay or dispute these bills nothing has been provided to show the actual dates of service I was not given proper notice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I NEVER disputed the referenced accounts listed below. These items were wrongfully deleted from the credit file. Those positive accounts are being reported by my creditors and you should be reporting the positive accurate information. 

Credit bureaus must report all account history accurately under the FCRA. 

In accordance with the requirements of the Fair Credit Reporting Act FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] I am hereby requesting your complete compliance with all of the provisions. 

I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish, and insist you comply by providing the requested information within the 30 days allowed. 

This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately adding these listings back to my credit report. 

XXXX XXXX XXXX XXXX XXXX, Acct. No # XXXX XXXX Credit Card, Acct. No # XXXX XXXX XXXX Acct. No # XXXX XXXX XXXX, Acct. No # XXXX XXXX XXXX, Acct. No # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
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: Credit inquiries on your report that you don't recognize

Complaint:
U S DEPT OF EDXXXX XXXX XXXX, US DEPT OF EDXXXX XXXX, U S DEPT OF EDXXXX XXXX XXXX U S DEPT OF EDXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, ONLY NAME IS XXXX XXXX, ONLY XXXX IS XXXX XXXX XXXX XXXX XXXX, LOUISANA 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 2017-05-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On  XXXX   XXXX ,   XXXX  ,  Portfolio Recovery Associates,   LLC made a settlement offer to settle a debt. The original creditor was   XXXX   XXXX   XXXX   XXXX   and the credit card debt balance was {$5200.00}.  Portfolio Recovery Associates, LLC , the debt collection agency on behalf of   XXXX   XXXX   made an offer in writing and mailed it to me offering a savings plan that I could mak e 1 P ayment of {$4200.00} and SAVE {$1000.00}. Your account will be considered Settled in Full after your final payment is successfully posted. Your first payment must be received NO LATER than :  XXXX / XXXX /  XXXX   I mailed a check to  Portfolio Recovery Associates, LLC  for the amount of {$4200.00} along with the settlement offer and my agreement to their settlement terms. My settlement terms were that the debt for the account would be considered settled in full like they offered and there would be no future collection of the debt.     I mailed the check and agreement to their settlement terms by USPS priority and it was delivered to an individual on  XXXX   XXXX ,   XXXX  . That same day  Portfolio Recovery Associates, LLC  cashed the check. In  XXXX ,   XXXX   I observed on my credit report that there was a collection balance for the amount of {$1000.00} and the collecting agency was  Portfolio Recovery Associates, LLC . I disputed this telling my credit reporting agencies that this debt was settled and paid.  Portfolio Recovery Associates, LLC  also disputed that I owed this debt while fraudulently withholding information from the credit reporting agencies that they had offered to settle my debt. Instead, they shared credit card statements from   XXXX   XXXX    stating this debt was mine. I do not disagree this credit card debt was mine. However,  Portfolio Recovery Associates, LLC  made a settlement offer and is not closing collection accounts as settled in full on my credit report when I agreed to their terms and made a payment in the full amount requested in the time frame requested. They are illegally reporting false information on my credit report to all three credit bureaus,  XXXX ,  XXXX , and  XXXX .     I have attached copies of their written settlement offer to me, a copy of the check I sent to them, a copy of my agreement to their settlement offer, a copy of the USPS Priority shipping label, a copy of the delivery notice, a copy from my bank showing they cashed the check, a copy of their dispute, and a copy of original credit card statement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-16
Company: Navient Solutions, LLC.
State: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
The COVID-19 forbearance will end on XX/XX/2022. However, Navient is stating that I am currently past due on my student loans and that I need to make a payment in the amount of {$2600.00} immediately. I have already sent them my Income-Driven Repayment Plan to them, and they are still harassing me for a payment. Why are the telling me to make a payment when my student loan is under the COVID-19 forbearance moratorium?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: CITIBANK, N.A.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
Citi Bank Cash Bonus issue for Opening Account This complaint is for the Citi Bank bonus offer for new checking account. Citi Bank claimed to offer XXXX XXXX  and XXXX bonus based on the deposit amount for the new account opening but has discriminatory terms for online account for which only give 20 days to fund the account but 30 days for customers open account in person.

My husband and I both opened Citi Priority account online and I called account opening team to make sure our accounts are in good standing and someone can be our banker/contact point, the number I called was XXXX, the account opening team ( option 1 ) confirmed with me {$700.00} bonus for deposit XXXX or more, and it was 30 days ( rather than 20 days ) to fund the account, as long as XXXX were all in before XX/XX/XXXX we would receive {$700.00} each. When the bonus is {$400.00} short I was so confused but informed by customer service team that Citi actually use 20 days to determine the deposit amount, and my fund was not XXXX yet on the 21st day, that's why the bonus is {$400.00} short. Because Citi discriminate online customers and use shorter period than branch customers, and people who answer phone calls didn't know this information, the mis-informed person told me the wrong date which costed me lost {$400.00} bonus and my husband lost total of {$700.00}. Both of us deposited over 100k into Citi for over 4 months and Citi didn't even apologize for the wrong information given but blamed us for not reading the terms and conditions. 

I tried to call several times, each time is more than 30 minutes wait, and customer service team hang up a few times without answer.

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 2022-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I sent letters off on XX/XX/2022. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681, I have the right to privacy. Also according to 15 USC 6802, no financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.

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 2017-01-20
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
for 6 months i have asked wells fargo to provide me with either loan modifcation documents, short sale or deed in lieu applications due to falling behind on my mortgage after finding false liens put on my property by my condo association, in which these liens were on my property prior to me receiving a modiication from wells Fargo in late 2014 after 5 years of lies and deciet. 
title documents fraudently done to allow me to receive my modifcation. 
when i found out these liens were there i turned to wells fargo for assistance, for them to advise how the modification can go through with these liens on my property. they claim they werent there and i have proved they were, they have themselves made a claim with the title company to cover themselves, but refuse to give me any help. 
they have sent me letters, clearly stating they deny me any help what so ever. and now they have placed a home into a collection agency, who states and wells fargo states they are going to foreclose on. 
they have said you received a mod in 2014, if your financial situation has changed we will re-review, 6 months still nothing. of course my financail situation changed. 
i requested deed in lieu documents - refused. 
there is no protection here with this company every step i take im denied and lied too. 
the office of the president at weels doesnt review these letters, because they dont care, they sent to a customer service rep in the esculation department, that literally has yelled at me, demeaned me and again refused to provide me with any assistance to maintain my home.

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 2022-07-24
Company: Certegy Holdings, LLC
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
For the past four years, every time I attempted to cash a check at a grocery store ( XXXX ), national chain retail store ( XXXX, XXXX, XXXX XXXX ) that offers a check cashing service I have been denied simply because the " company that verifies information '' flagged my social security number. I can not get approved for a credit card, car loan, home loan, etc due to this company flagging my personal information. 

Then to make matters worse, when calling and attempting to remove the flag on my account I am only allowed to speak to an operator who can only help customers with a select few issues, which of course did not pertain to my situation. 

If you attempt to lie and choose false reasoning for your call, you are then informed that you did not answer honestly or correctly so therefore I will continue to be denied services. 

I feel my rights and privileges of having access to my money are constantly being violated. The number of my credit score does not excuse or allow corporations to deny American Citizens access to funds received from the federal government. That is illegal, and there is no reason or excuse why I am constantly denied access to something given and provided by our government.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: General Motors Financial Company, Inc.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: Conduent Incorporated
State: OK
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I made a dispute for transactions that were unauthorized .i was told that i could get a provisional credit if i submitted paper work in 10 days .. I decided to wait the 45 days for my dispute to get approved .. They refunded the money and i thought that was it .. Then 2 days ago right before my direct deposit hit my account they reversed the credit therefore putting me in the negative over the amount of my dd.. I called numerous times was hung up on twice stayed on hold for more then 4 hours to get issue fixed and never got the issue resolved so i asked to have a manager call me but they never did .. The wait times are rediculous and i have a XXXX dependant at home and i needed the money from my dd to hit .. Then i stayed at XXXX XXXX  and signed a paper for a XXXX dollar incidental fee and when arriving at motel asked for a room with fridge .. The room the manager said she would put me in a buisness room and upon getting grocerys the next morning realized there was mo fridge and other items.. When i checked out nothing was said and then waytogo let them overdraft my account XXXX dollars because hotel said items were in room which was not the case and the paper i signed was for XXXX not XXXX ..i called and finally got to do a dispute after hours of being on hold and inquired why it is my account. Could be negative that much when its prepaid and was told that if money is in account then they could overdraft amount that company charges for .. Then i read terms and conditions and it said that there is no overdraft so now its monday and bills are due and cant pay them or by things for my dependant .ive called 4 or 5 times and waited on hold more then 3 hours only to be hung up on .. I need the money to he put back so i can feed my household .. They also charge XXXX cents for every balance inquiry but dont have a choice to skip the balance inquiry .. Plz refund my money and also like to know how i can switch my unemployment to my own bank .. I also cant change my address so mail is getting shioped to wrong address .. But is current with unemployment

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: ERC
State: OK
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX quit providing channels I subscribed to therefore breaking our contract. I called to cancel our contract and later returned all equipment. I cancelled 2 days into a billing cycle which I offered to pay if sent an appropriate bill. The only bills I received were in excess of {$200.00} which I did not pay. I do n't feel I should pay {$270.00} for two days service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-16
Company: ENCORE CAPITAL GROUP INC.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Its been going on for a couple months now. When Midland credit calls, I'll Ignore the call and then the will right back. I'll ignore the call and they will call back and this will go on for about XXXX calls. It happens about twice a day. Every day. On XX/XX/XXXX I got fed up with the repeating calls. ( it affects me at my Job ). I answered the phone and told the operator to stop calling me they are harassing me. The calls stop for a bit. Today XX/XX/XXXX The calls started again. So I would like to make a formal complaint of Harassment. I understand I am in debt and will pay it back as soon as I am able to, but these calls are getting me in trouble with the job I need to pay them back. I can provide screenshots of all the repeated calls if necessary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-24
Company: Experian Information Solutions Inc.
State: MO
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 these accounts below Account Name : XXXX XXXXXXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX  ( Original XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) Account # XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX Account Name : 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 non-monetary relief
Consumer complaint received 2021-12-16
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This account has been on my credit report for a couple of years, every month they change the total amount from {$1000.00} to {$1000.00}. I have disputed the acount and demanded verification from the bureaus and from the company themselves. The account always comes back verified but somehow they keep changing the amount owed constantly. This affects my credit rating every time they update it and also affects the date of activity resetting the clock for the 7 year deletion mark.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: Experian Information Solutions Inc.
State: TN
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:
Please remove these items off my report I have disputed these items a couple of times it has been on my credit quite a while please look into this matter it has not been verifying

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