BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-22
Company: CrossCountry Mortgage LLC
State: AZ
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:
With a drop in interest rates, I approached Cross Country Mortgage about a refinance after an unrelated solicitation implied rates were lower than I was paying. I asked the broker I was working with to explore this via email on about XX/XX/2021. We discussed over the phone and that was it. 

He pulled my credit and never got back to me. I signed no application, made no formal request to refinance, and never received a response from the broker despite several follow ups via phone call and email. 

I have reached out to remove the hard inquiry as it was not related to an actual application, and the broker never followed through on my request to explore refinance options. To wit, I received not a response or indication that could in any way be reasonably construed as guidance in the refinance process - not an indication of rate, terms, expectations, nor provided an actual application. 

I have yet to receive a meaningful response as to why I have an inquiry given their failure to provide anything for which an inquiry may be justified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-15
Company: CAVALRY INVESTMENTS, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In reviewing my credit report I noticed an account listed from CAVALRY PORTFOLIO SERVICES. However I have no knowledge of this account. My first concern is that I was never notified of this debt, so I immediately go to the company website. When I attempt to login and see what this is about I get an error message saying I need to contact another company. 
Meaning this company no longer has control of the alleged debt : yet it is still reporting. I have received no communication from either place which is alarming to me. 

I am disputing this account. 
This letter is being sent to you in response to an entry made on my Credit Report dated XXXX. Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. 

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via E-Oscar or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act.

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. 

This account needs to be permanently deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: CITIBANK, N.A.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi and how are you doing during Covid19? I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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 2022-02-23
Company: U.S. BANCORP
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I made a balance transfer to pay off the US Bank XXXX XXXX XXXX ) credit card around XX/XX/XXXX. The transfer did not go through until XX/XX/XXXX or so. Because of the delay ( they ( US Bank ) admitted there was a delay of at least five days ). They charge me a late fee and additional interest on the old balance. In addition, U.S Bank has been misapplying the payment I've made between the purchase and cash balance accounts. I " been making many payment over the minimum amount, however the balance to the cash account kept going up. They said it was interest on the cash balance. I say it is because they did not apply the amount over the minimum to the cash account. The minimum amount can't be calculated with the previous months interest plus an additional amount or this would defeat the purpose of the law that says amounts over the minimum must be applied to the highest interest account. The cash account went up to over {$4000.00} and over the past couple of years ( ever since the card was transferred from XXXX XXXX to U.S. Bank ). The amount should be around {$2000.00} that I would owe. Now the balance transfer has gone through and there is a balance of about {$99.00}, however, I believe U.S. Bank ( XXXX XXXX ) owes me the difference on the misapplied, over the minimum payments to that account - about {$2000.00}.

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 2022-08-27
Company: HYUNDAI CAPITAL AMERICA
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
well back in XX/XX/2022 consumer sent complaint to the cfpb concerning several important issues, only to be closed, due to ' '' concerns that my letter showed a possible second person was using my info or sharing in the complaint, though i continued sending my information 's, .consumer finally got a response from the company, now this response is dated XX/XX/2022, at an address i know longer receive mail there, not my place of abode and during this time frame the company " kia finance '' had someone to come and tow my car on XX/XX/2022 while my disputes were still being processed but not yet settled and therefor I called police to report car stolen and was informed it was repossessed without my knowledge or consent, which left consumer at a very bad loss, so back to the letter this finance company consumer has no idea who these people are, i had full rights to withhold all payments until company complied with there obligations and duty 's ....

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 2016-10-19
Company: CITIBANK, N.A.
State: NC
Product: Prepaid card
Sub-product: General purpose card
Issue: Fees

Complaint:
I received a Citi Visa Debit card with a balance of {$450.00} XX/XX/XXXX. The card has a one year expiration date for XX/XX/XXXX. On there site, it says that after 12 months there will be a $ XXXX/month maintenance fee. However, on XX/XX/XXXX, Citi expired the card and charged my entire balance of {$170.00} as a fee.

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 2022-08-27
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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 


In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U, S. Cilde 1681e ( b ) and 15 U.S. Code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accurate. 


The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 
As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure I plan on seeking remedy for damages for each Federally protected consumer rights violations under USC 1692 and legal actions if this issue does not resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: U.S. BANCORP
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2015-06-24
Company: HW Holding, Inc
State: FL
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:
Upon vacating our former apartment complex, we were sent via certified mail a list of charges due. We found that the charges related to the utilities are fair and accurate, but we are disputing the charge for carpet replacement. After contacting property management we were instructed to dispute the charges in writing explaining our position on the matter. 
The dispute letter was delivered to property management in person. While waiting for a response from property management, we were contacted by Hunter Warfield via telephone for the purpose of collecting the debt in its entirety. We explained that we were in the process of contesting certain components of the debt with property management and were not really certain as to why a debt collection agency would be reaching out to us. We do not feel as though we are responsible for replacing the carpet as it was left in the same condition in which we received it. We have pictures and a move-in inspection that notes that there were stains on the carpet at the time we took occupancy of the apartment. The carpet was not new when we moved in. This was the point made in our original letter to property management. We were merely informed that a notation on the account would be made. We contacted property management who said it was now out of their hands which we found shocking being that we were waiting on a response from them. They then informed us that they responded to our letter via certified mail, but acknowledged that they had not received notice from the post office that their response had been received. We never received a response from property management by either letter or phone call. Since then, Hunter Warfield has repeatedly phoned for the purpose of collecting the entire debt without formally identifying themselves, sending anything in writing for the purpose of debt validation, or explaining the process of disputing the debt. During every phone call, we 've simply repeated the entire story to each Hunter Warfield associate that has called. During our last exchange with Hunter Warfield, we found the associate to be very rude and condescending as she threatened actions that would have adverse effects on our credit reports. It was then we began to feel harassed and quite stressed about the situation. I have repeatedly called XXXX XXXX at XXXX to open a better line of communication. I was sent to her voicemail only after being hung up on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: EOS Holdings, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
American Express Collections department repeatedly calls my sister 's cell phone who is not in any way associated with the account. She did not co-sign and I have not lived with her in 25 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-22
Company: EQUIFAX, INC.
State: UT
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: Razor Capital, LLC
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Razor capitol, LLC has called me many times using profane language and what I would perceive as threats if I do not pay them. I asked for them to stop calling me. They have not. Now I let their calls go to voice mail but they wo n't leave any messages saying its them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: JPMORGAN CHASE & CO.
State: OH
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 notified the company that this account had been paid and closed and has been in my credit report too long past the seven year mark that it should have been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: WESTERN UNION COMPANY, THE
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2020 I sent money through Western Union ( Transaction XXXX ) to someone named XXXX XXXX and attached a security question to the transaction, a question that the receiver is supposed to answer in order to get the money. Western Union internally changed the security question and answer and released the money and the name to XXXX XXXX without my permission or knowledge. I am attaching a copy of the text I received that shows a different name. Western Union is helping scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Due to a loss of income i have reached out several times to HSBC to reduce my mortgage rate. all they have been doing is extending the term which is putting me in more and more death. i can not understand why as a consumer trying to do the right thing and not fall behind on my mortgage they are not able to assist me. All i want is a permanent fixed low interest rate. I have even hired lawyers spend money, and all lawyers tell me is that its difficult with HSBC you have to fall behind for them to reduce your rate. My credit is already not good, i have credit deaths so why would i want to increase that i also have a kid that i have to show some sort of example for. Why when im trying to do the right thing and not fall behind i am unable to get the necessary to have a roof over my daughter head. I am sure im not the only consumer having this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX XXXX, 2015 I drafted a letter requesting debt validation in writing of XXXX accounts ( Account Numbers : XXXX and XXXX ) Hunter Warfield claims I owe within 30 days via mail. I discovered these accounts were being reported on Equifax, TransUnion, and Experian. This letter was sent certified mail and signed for on XXXX XXXX, 2015 by XXXX XXXX. I have not received any information from this company regarding these accounts. My complaint is one of noncompliance on this company 's part. Also, these accounts are being reported to all three credit bureaus without providing validity of this debt to me. This is harmful to my credit scores. Not to mention, horrible business practices on this company 's part.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: Maximus Education, LLC dba Aidvantage
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 


In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U, S. Cilde 1681e ( b ) and 15 U.S. Code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure I plan on seeking remedy for damages for each Federally protected consumer rights violations under USC 1692 and legal actions if this issue does not resolve.

Company response to consumer: Closed with explanation