BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to do a verification of everything on my credit report. They did and stated everything was accurate. However, I did a thorough research and found improper inaccuracies on my report after they did an investigation. XXXX XXXX, XXXX, XXXX, XXXX  mortgage XXXX XXXX  XXXX  XXXX, XXXX as inquiries. Report # XXXX, XXXX, XXXX, XXXX. In accordance with the Fair Credit Reporting Act, XXXX  XXXX, XXXX, XXXX, XXXX  mortgage XXXX XXXX  XXXX  XXXX, XXXX Report # XXXX, XXXX, 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: Ditech Financial LLC
State: MN
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Bad customer service. I tired to cancel my escrow based on the information they sent me, the problem is they have a irrelevant condition not to cancel my escrow. The only lender you can not talk with the escrow department to solve any problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Aldridge Pite, LLP
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX XXXX along with Aldridge and Pite are attempting to collect on a debt/foreclose on subject property ( XXXX XXXX XXXX XXXX ) illegally. The first problem, XXXX does not know, nor have they verified the current and rightful owners of the property. Therefore, they are foreclosing in the wrong Homeowners names, while failing to serve the rightful owners of the property, prior to advertising a foreclosure sale. XXXX, XXXX claims to work on behalf of The XXXX XXXX XXXX XXXX  XXXX ( the alleged creditor ). Aldrige and Pite claims to work as a Power of Attorney for The XXXX XXXX XXXX XXXX XXXX on behalf of XXXX. However, XXXX has claimed on several occasion that their firm does not own the property or the loan. Per the Supreme Court of Georgia, only the secured creditor can foreclose. The XXXX XXXX XXXX XXXXk XXXX is not the secured creditor, nor have they invoked XXXX or Aldridge and Pite to collect a debt. We also had a Licensed Financial Private Investigator cross reference our findings please see attached. XXXX has also instructed our homeowners ' insurance company to discontinue our decade plus old policy. Please see attached. XXXX and Aldridge and Pite are engaging in illegal and fraudulent activity that is causing irreparable harm. We the rightful owners of the subject property have retained legal counsel. XXXX, XXXX refuses to acknowledge or communicate with legal counsel, hired to amicably resolve all matters surrounding the account. XXXX, XXXX in connection with Aldrige and Pite are attempting to sell illegally converted stock instruments, represent entities that have no interest in the subject property, perform an illegal foreclosure, theft by taking personal property, false and misleading representation, ignore homeowners counsel while interfering with their constitutional rights through deception, theft and fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: Ditech Financial LLC
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Greentree increased my electronic payment by {$54.00}. When contacted, Greentree explained the increase was due to an appliance warranty purchased from XXXX. I was told to contact XXXX for refund. I contacted XXXX and they explained I had purchased this warranty and should use it. I demanded proof that I purchased the warranty and they have not presented it for several months and XXXX calls now. I never purchased a warranty and Greentree has denied my request for a refund and payment history allocation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: WELLS FARGO & COMPANY
State: MA
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:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10
Company: Global Payments Check Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
On XXXX XXXX I had a NSF check with the XXXX XXXX Co Op. I have been a member for almost 15 years and assumed that it would be resubmitted to my bank account a XXXX time, as is industry practice. I waited patiently to hear back from the Co Op if there was a problem, had the money in my account and even addressed this with my Credit Union. They admitted that the Co Op is a pain. As of 3 days ago I found out that I was on bad check list in view of all the employees who work at the check stand. At no time did anyone inform me of the protocol or policy put in place nor has it been posted for any of the members to see. I was told that the sticker, Global Payment provided, placed on the check registers was sufficient. I informed the Co Op CEO that I need glasses and for the most part people do not look at the Cash Register going through line their focus is the groceries, Checker, and paying for the goods. I also informed her using that location to educate members was inappropriate and it should be posted in view at the Customer Service desk or on the Bulletin Board where they are asking for Customer/member feedback. At no time was I ever informed in writing or in person of my rights and timelines to remedy the situation. XXXX XXXX, CEO, informed that the check was sent XXXX XXXX to Global Payments. Global Payments informed me today that they received it XXXX XXXX and sent a letter out that day, which I have not received yet, and on XXXX XXXX they ran my check through the account again which bounced again since we do not have overdraft. I had the monies there for over a month and a half. I let the CEO know that they made the process more difficult because if I had known what the policy was I would have been there the next day to remedy the situation and actually offered to pay for the check. I want to know where my rights are so situations like this can be prevented in the future. I will be attending a Board meeting to let the Co Op know that they are member organization and part of the mission statement is to educate their members and to include them in their policy decisions. I take responsibility for reasonable fees but I feel the XXXX XXXX Co Op was negligent in informing me on a timely basis of the problem, in fact, sitting on it for six weeks, and denied me the ability to remedy the check within a reasonable timeframe and then escalated the situation. What are the laws regulating Check Collection agencies? Should I have received a letter giving me a chance to remedy the situation directly sooner? What authority has a XXXX XXXX XXXX to resubmit a NSF check?

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 2020-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XXXX {$50.00} i ask to deleted this fraud account no method giving XXXX  XXXX  {$120.00} I ask for method of action for this account nothing giving XXXX  XXXX XXXX  {$560.00} I ask for method of method of this fraud account XXXX  XXXX XXXX {$82.00} I ask for method of this account nothing giving XXXX XXXX XXXX XXXX {$1600.00} I ask for info never was giving fraud XXXX XXXX XXXX  XXXX {$5700.00} I ask about this fraud account nothing giving

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-25
Company: World Acceptance Corporation
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I have now defaulted on a loan with World Finance Corporation. When I attempted to make a partial payment. The lender returned the partial check via mail refusing the partial payment. Now they are attempting to collect and contacting my leasing office as well as my employer to gather information on me. Both the document sent to my landlord and employer are falsified. The document that I completed at the time of receiving the loan were not the same documents that were submitted to my landlord and employer. The area in which you give authorization to collect such documents is from another document that I signed. Those documents were not amongst the original documents that I filled out. Therefore, I believe that they duplicated my signature in order to collect information about my address and employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
They Ditech, took my principal payment of {$9900.00} and put it to escrow and interest. 
I talked to XXXX in XXXX before they got the payment and relayed the message that I wanted it to go to principal since I already made my XXXX payment.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-26
Company: ECMC GROUP, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Company continues to negatively I pact credit and violate both FDRA law and FCRA law while refusing to remove debt having XXXX to do with me or agree to validate supposed debt

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Using the XXXX XXXX app and the bank does n't communicate often with the app

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: College Foundation, Inc.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am so amazed at how CFI allowed my credit to take a hit when they now we are impacted by COVID. I have never had a late marker on my student loans and now after building my credit up for all of this time these XXXX  loans have killed my credit. They reported 14 different loans each time but I only make one payment and that is not fair at all. I am impacted by COVID I had a XXXX XXXX XXXX this year why in the world would you people kick someone who is down. Look at my history I never had this happen I am always communicating with you all. This is not right man why now? Yoyo all have to know we are struggling. You cant even treat us like humans. Thats insane to me. They didnt call me or anything just dinged my credit after 60 days I thought we were protected but CFI is one of the only ones who likes to harm their consumers while they know the world is hurting man this really crushes me. Image worked so hard to maintain my bills how could you all do this to me. I never allow this to happen if I had known.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: CSO Financial
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a garnishment notice from my employer with no previous notification. Attempted to contact CSO Financial INC and have gotten no reply. Filed a challenge with the court for failure to notify. Court records indicate that CSO Financial informed the court I was served, but address and spelling of my name was incorrect. I have had {$400.00} taken from my paycheck with no information on what or why. I check my credit report often and have no outstanding debts. I am assuming this is a mistake or fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: CITIBANK, N.A.
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: Received unsolicited financial product or insurance offers after opting out

Complaint:
XXXX  has charged one of my Citi credit card several times for a recurring service that I did NOT solicit or enter an agreement for such purported service. When one attempts to secure their FREE credit report from the FTC.gov website : XXXX, XXXX is the only bureau of the major 3 bureaus that forces you to go to their website, and create an account in order to obtain your FREE credit report. I don't need a report anymore than annually as each credit card lender - with which I utilize to finance or age my accounts payable - offer me a view of my credit score, free of charge. In addition, it should be noted that I am not in need of any credit repair and/or monitoring, as a trained financial advisor, and my credit score has consistently floated between XXXX and XXXX since establishing credit 2005. Thus, I have never needed such a service, and would've never signed up for such. As this issue of ad hoc charges were brought to my attention this summer in the form of billing statements, I recognized that I lost my credit card in travel, and reported it stolen. After I disputed this asinine malarkey, prior to reporting the credit card was lost, Citi, at some point presented me with a response from XXXX  that displayed documents that weren't legible, and a sample transaction, but no actual transaction from XXXX or an electronic signature. In addition, they held out a document that displays my credit card and personal information, which of course they could have obtained from my credit report or EVEN CITIBANK to try to substantiate their claim. Citi has NOT been user friendly or working on my behalf in this matter. In fact, they have made this dispute very time consuming and often apprehensive, because I pride myself on credit reputation, especially as it unfortunately has been made legal to review in determining one 's employability. This experience seems to be that of collusion, because I never gave XXXX  my personal information, and it seems that Citi refuses to stop their attempts to bill me. In addition, I attempted to try to login into XXXX 's website, and the website stated that I did not have an account. I provided this to Citi via an email address that they provided, but they have not responded. Each have demonstrated to be wrong and unscrupulous, and I think this is some form of attrition so that Citi can create a reason to reduce my credit line or deny me a credit card.

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 2022-03-17
Company: BlockFi Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I withdrew cash from my blockfi account. I followed up several times up through XX/XX/XXXX and customer service continues to say they are " processing '' my withdrawal but I still don't have my money. I don't know of any bak that takes nearly a week to transfer money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: American Credit Acceptance, LLC
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have obtained a Car Loan with American Credit Acceptance in XXXX have have paid on time over and above the minimum payment which is {$300.00}. The record will show I am paid up several months in advance in order to minimize the High Interest Rate. 
However, to no avail, most of the payment ALWAYS goes towards interest paying very little on the Principal. I tried to refinance for a better terms with Credit Unions, and Commercial Banks, and each time I request a payoff, I am quoted over the phone, exactly the outstanding balance on my statements, In other words, no discount for paying off ahead of time. 
Since XXXX XXXX, XXXX, I have requested a payoff and was promised that I will received the information by email. The New Lender called over and over, and was promised the same thing. Now the balance have increased from {$3600.00} since XXXX XXXX, to XXXX XXXX, XXXX to {$3600.00}. 
It appears over the last two years, American XXXX Acceptance does not want to have loan being paid off by another Lender, so they delay, delay, delay until I give up. 
I am XXXX XXXX XXXX and can not ward off imminent medical issues that comes with getting old, and all I want to do is pay off this loan

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 2016-04-23
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
I received a letter in the mail from a collections agency regarding a past due amount of XXXX on my Macy 's account serviced by Department Stores National Bank. Upon review of my previous statements by loging in online I saw that my last purchase was in XX/XX/XXXX. At this time I called Macy 's customer service department to determine why I had not received any bills or notices of a delinquent account. I was told I was signed up for paperless billing and that my e-bill 's had been sent but rejected by my email. Every subsequent bill was therefore sent to this same email and was also not received. So after 6 months of being past due, with late fees and interest incurring, my bill was sent to a collection agency. I continued to receive coupons in the mail as well as coupons in my email but not bills. Not once did I receive any written communication in the mail, a bill in the mail or a phone call. I was told by the customer service agent that I would now have to settle the debt with the collection agency.

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 2017-01-24
Company: Delev & Associates, LLC
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
Delev law is currently working an account on behalf of university XXXX. they claim that i owe for a class that i did not sign for and did not attend. they took me to court in XXXX Ohio where i do not live and have never reside. iI did not dispute that i attended school at the university XXXX, through teleconferencing, but i did not take this class, as i Un-enrolled before the time in question. they do not have a signature by me. the judge would not hear me out said that I owed, by the time it went through the court it was inflated from a XXXX dollar debt to over XXXX. The state of Ohio has taken my state tax return for the last 3 years for this, I have paid over XXXX dollars towards this and they continue to state that I owe XXXX now. To make matter worse, they have assigned my account to a XXXX XXXX. The collector will not take my call or my husbands call, when we are available. He is always out of the office. We ask for another agent or his superior, and they state that we have to talk to him that he has final say on the account and they can not help us. WE just want to be done with this, we have made an offer of XXXX to settle, the office of Delev refused, stating that would not be accepted, even though they did not send that to the client for approval. They refuse to work with us only demanding that the balance be paid immediately and nothing else. I asked if I could talk to XXXX University direct, they said no, I asked if I could talk to someone at the Attorney general office they said no. They did n't read me a mini miranda, they did not give me full and complete information about the debt. I feel that they have broken the law in the state of Ohio by not giving me proper information or ability to take care of this. I do not want to deal with this office and request that it be sent either to the original creditor or The actual attorney general office directly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
More than one year ago I disputed an item on my credit report through Equifax - XXXX XXXX # XXXX. The dispute was never resolved and a notation on my report has said for quite some time, " ACCT IN DISPUTE ; RESOLUTION PENDING '' The Fair Credit Reporting Act requires all disputes to be resolved within 30 days. Equifax has been harming my credit by not resolving this dispute.

Company response to consumer: Closed with explanation