BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-13
Company: Capital Accounts, LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Capital Accounts requesting I pay {$900.00} to them covering a debt to XXXX XXXX XXXX. I stated that I needed a detailed statement in order to reconcile the details with my insurance companies and then attmept to pay the true debt. The letter stated that I should request in writing within 30 days to have the details. I then spoke to XXXX XXXX with Capital Accounts and he stated he 'd have me the details in 15 days. In 30 days I got a letter than it was being sent to credit reporting. I called XXXX XXXX and he said he could n't get the details from XXXX XXXX XXXX yet and I told him that I needed that prior so I 'd get it from XXXX XXXX and get back with him. The problem is that XXXX XXXX decided there were some charges that were incorrect and they resolved the data issue and was supposed to resubmit to Capital Accounts on XXXX XXXX 2017. I checked XXXX XXXX today and I 've lost XXXX points from this unfortunate horrible communication problem. XXXX XXXX XXXX claims they sent me 5 letters however I never got their letters, just Capital Accounts, the collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I received a billing from ALLY bank after I turned the vehicle in in a purchase of a new vehicle. The charge was for a windshield crack and an interior piece that had a crack in it. The windshield was waived reluctantly on their part when I challenged it based upon the actual cost to replace it and not being given time to report it to my insurance for a comprehensive claim. In this case it was wrongly charged and taken back. Nothing to get from that except them realizing they had been wrong. On the interior piece they stood on this for {$100.00}. There was a very confrontational communication between me and one of their representatives leaving me with bitterness towards their practices. There was a statement something like and issue will be made of this by the representative. I have come to find that given they record interactions " for training '' this one was not found. I come to find that ALLY chose to charge it off and report it to my credit report as such. Recently I was advised that the destruction done to me through this action was severe, vindictive and an egregious act. I contacted a representative as high as I could get to find that they remain against the customer and over {$100.00} they are able to ruin a person forever. I will broadcast this situation every chance and in every location I can. I know they don't care yet maybe just maybe a consumer thinking about using their services will think twice about going through with it. The situation is just plain wring and I can hope that the company and its practices are found out and dealt with accordingly. You can always hope there would be a penalty for taking advantage of the consumer. ALLY Bank account number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My name is XXXX XXXX XXXX an underwriter for the XXXX XXXX XXXX XXXX XXXX, on behalf of our Client XXXX XXXX on his foreclosure case and in addition helping him to obtain a Tier 2 modification of mortgage since XX/XX/XXXX. We had provided a total of five complete loss mitigation packages to this terrible servicer. The first package was fax on XX/XX/XXXX, second XX/XX/XXXX, third, XX/XX/XXXX, fourth, XX/XX/XXXX and Fifth XX/XX/XXXX. Ditech listed as one of the most deceitful servicer in the Country not once has send a correspondence to this office. On XX/XX/XXXX I called Ditech and talked to a Customer Relations Manager XXXX Id # XXXX, hope he exits and he advised me that nothing has been look in these two years by Ditech. As a ex-underwriter for XXXX, I told XXXX that Ditech had violated RESPA 1024.41, since I presented this file before XX/XX/XXXX, they had violated this law. He advised me that a letter went out to the customer on XX/XX/XXXX informing XXXX XXXX he did not qualified for any loss mitigation option. My answer to XXXX was you generate those letter anytime you want and send them to the customers, without reviewing any files been sent for loss mitigation review, but your institution to bill the Treasury. XXXX XXXX who confirm also he had worked in the pass for XXXX, agreed with my statements. Servicer do generate letters at any time to cover themselves, they brake the law all the time, they lie, and they mislead the government and Americans. This is a XXXX XXXX Loan they should do better than this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13
Company: EQUIFAX, INC.
State: WA
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 track my credit via XXXX. In XX/XX/XXXX, I noticed there was a hard credit pull added to my Equifax report from a company called XXXX - it appears to be an online clothing store, under the umbrella of XXXX XXXX, based on XXXX, Wisconsin. I am not a customer of this company. The pull is dated XX/XX/XXXX. I called XXXX to ask why they pulled my credit without my consent, they said they have no record of doing so, and were unable to clear it from their end. They said to file a dispute with Equifax to request the removal. I filed the report with Equifax, they closed my request, sent me a letter outlining why a third party could access my credit, none of which was applicable to my case, as I did not request to do business with the company in question. I filed a second dispute, which was closed without comment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
Company: The CMI Group, Inc.
State: OH
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:
This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. I am also requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.

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 2018-11-30
Company: WESTERN UNION COMPANY, THE
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Im a regular customer of WesternUnion. On XX/XX/2018 I sent two separate transactions overseas. The reasons I did two transactions was the auto fill from previous transactions. 

I sent {$70.00} and then {$30.00} to the same person. However, WesternUnion cancelled the transaction for the {$70.00} and the {$30.00} available.

I wasnt notified by WesternUnion that they canceled the transaction. I didnt know whats going until the receiver went to WesternUnion XX/XX/XXXX after going for consecutive days. WesternUnion overseas told I took the money back. On XX/XX/2018 I called WesternUnion and was told by two different representatives that they cant access the transfer, but I should call back in 15-20 minutes two times. Finally, I was told that they canceled my transaction because I sent separate transactions. Nobody seems to know whats the real problem. I called back WesternUnion representative again and asked if I send another transaction on XX/XX/XXXX if the person would be able to get the money. I was reassured by the representative yes. I was taken aback when WesternUnion again canceled-suspended the transaction again. I had to asked for a refund. 
After numerous calls I called back XX/XX/XXXX and asked for the department that placed restrictions on my transactions and was give this email XXXX for help. I sent an email and I havent received an email or phone call from WesternUnion about this inconvenience. I must say this situation was handled unprofessional and without regards or thoughtfulness of all party involved. Im very disappointed with WesternUnion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13
Company: Valley Credit Service, Inc. (OR)
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/XXXX I received a notice of garnishment in the mail. Until that time I had been unaware of the debt, a {$500.00} line of credit I had opened in XX/XX/XXXX at Oregon XXXX XXXX XXXX when I was living in Oregon 14 years ago. I had completely forgotten about it, and I never received any notices for any hearings or judgments. Upon receiving the notice of garnishment for the total amount of {$1600.00}, I contacted [ collections agency ] and worked out a payment plan of $ [ XXXX ] a month, to be withdrawn by [ collections agency ] on a monthly basis out of my bank account. I checked at the end of the month to make sure the payment had gone through successfully, and it had. On XXXX XXXX, XXXX I received notice from my bank that [ collections agency ] had withdrawn the entirety of the money in the account, totaling $ [ XXXX ]. When I called [ collections aghency ] to inquire about this, the representatives confirmed that they had received the XX/XX/XXXX payment but said they had not withdrawn any subsequent monthly payments due to a mistake in their records, and upon realizing their mistake, they withdrew all of the money in the account instead of just the missed interim payments. Though they acknowledged that it was an error on their end, they told me I should have known of the error and found another way to pay them somehow, and then they demanded I pay the remainder of the total amount of the debt immediately. Throughout our interaction, the representatives were extremely verbally abusive. They told me I was cheating the credit union and said multiple times that I was irresponsible, even though I had willingly set up a payment plan as soon as I became aware of the debt and then made sure there was enough money in the payment account for my monthly payments. I informed them that I am not able to pay the total amount and asked if we could work out a settlement or a new payment plan with the terms in writing this time. In response, the representative demanded my paystubs, home information, and other personal information and would not tell me why they needed it. They said it was their standard practice and they would not work with me until I gave them this information, which I did not feel comfortable doing. I know there is a garnishment order and I want to do the right thing, but I can not afford to pay the full amount ( especially after they emptied my account ), and I am not sure what else to do at this point

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-13
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I monitor my credit via XXXX. I noticed there were one hard pull each this week on XXXX and XXXX from XXXX XXXX dated XX/XX/XXXX. I did not authorize these pulls. I called the XXXX XXXX credit card division, they said it was n't them. They gave me the XXXX XXXX XXXX banking number, so I called them today and they said it was not them, they then said I should check with another division and they forwarded to me to a department that was closed for the day. I have had XXXX XXXX accounts in the past but they have been closed for a number of years. I did not authorize these pulls and want them removed 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 2017-08-13
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I monitor my credit via XXXX. I noticed there were one hard pull each this week on equifax and XXXX from XXXX XXXX dated XX/XX/XXXX. I did not authorize these pulls. I called the XXXX XXXX credit card division, they said it was n't them. They gave me the XXXX XXXX XXXX banking number, so I called them today and they said it was not them, they then said I should check with another division and they forwarded to me to a department that was closed for the day. I have had XXXX XXXX accounts in the past but they have been closed for a number of years. I did not authorize these pulls and want them removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Kriya Capital, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As a federally protected Consumer, I am here to contest any purported accusations you are now reporting on my credit report.

In accordance with Section 809 ( 8 ) of the Fair Debt Collection Practices Act, 15 U.S.C. 1692g, the Consumer requests verification from you ( FDCPA ).

Additionally, the aforementioned customer REQUIRES the following : CREDENCE RESOURCE MANA ( Original Creditor : XXXX XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-03
Company: Shellpoint Partners, LLC
State: IL
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:
In XXXX I asked for a C.a.r.e.s. act forbearance on my loan and it was granted for 3 months. After 3 months I received a letter stating that the forbearance was automatically extended for 6 more months. During the Cares forbearance Shellpoint continued to bill me of which there is a current class action lawsuit. Due to the fact that they kept billing me I wasn't sure if I was delinquent or not because of the frequent bills coming in. The mortgage company never told me exactly when my forbearance was over and they then reported me 30 days late to the credit bureaus in XXXX XXXX which damaged my credit rating severely. I need Shellpoint to remove the 30 day late from my report. I am currently current on my payments after finding out exactly what was going on due to the companies negligent billing practices. 

Shellpoint also added a 3rd party insurance policy to my account even though I faxed them my current condo insurance twice and uploaded it to their website. I need this insurance premium refunded to my account as I was already insured and provided proof 3 times...

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 2022-08-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
On XX/XX/XXXX & XX/XX/XXXX I mailed a dispute letter to COAF and XXXX advising that the pay status and remark section of my credit reports were incorrect. I received no response from COAF and XXXX advised that based on their " investigation '' the info was correct. I submitted a complaint with the XXXX  on XXXX trying to have the payment status and remarks corrected and received the response from COAF that I am in an active XXXX. My active BK was filed XX/XX/XXXX and never in question as I am the filer, just the statuses and remarks posted against my non included accounts. 

This car loan was refinanced with the sole purpose of NOT entering it into BK. There was a claim for payment submitted against my BK petition on XX/XX/XXXX by XXXX on behalf of COAF. As you will see in the uploaded docs a copy of the canceled payoff check that COAF cashed on XX/XX/XXXX from XXXX which is not apart of the XXXX XXXX XXXX Bankruptcy Court. 

You will also notice that on XXXX COAF mailed me a XXXX  doc. Also during this time I disputed the the payment status and remark sections of both XXXX and XXXX Credit Bureaus to no avail. 

Also after my XXXX  dispute on XXXX, XXXX on behalf of COAF filed an amendment to have their claim removed as the account had been PIF via XXXX for months. 

I recently emailed the CEO of COAF and received a letter advising that they are " researching '' my recent correspondence regarding my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
This has to do with my earlier case number XXXX with CFPB. First of all, let me congratulate you, CFPB, for playing the good catalyst or policeman or XXXX type role, thus making sure that my case was handled appropriately, correctly, with all the evidence and analysis i had provided, regarding the 20 fraudulent ATM cash withdrawals and associated fees, that had occurred in XXXX in XX/XX/2022 earlier this year. Citi Bank has refunded me the stolen money, but they missed one transaction, only 19 transactions were counted by them, although my appeal letter clearly pointed this out also. so, i am bringing this up, an inadvertent banking error, or typo type error, let us say, and i would like this to be addressed by them also. I am very much convinced that CFPB involvement here made sure that Citi Bank did the correct thing, chose the side of truth, light and fairness instead of untruth, darkness and XXXX. Thanks very much for your help. 
ps : PLEASE TELL YOUR FRIENDS PERSONAL REQUEST FOR HELP from XXXX XXXX XXXX & XXXX XXXX XXXX XXXX, XXXX, NJ XXXX, XXXX EMAIL IS XXXX MOBILE NUMBER IN USA IS XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX OF USA,,,, XXXX XXXX XXXX 
THANKS VERY MUCH FOR YOUR HELP, SUPPORT, SPREAD THE WORD, GOOD VIBES, BLESSINGS ETC.,, PLEASE TELL YOUR FRIENDS.. 
REGARDS AND BEST WISHES. XXXX ... 
YES, OUR CHILDREN XXXX, WERE XXXX, YES

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