BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-09
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
At XXXX on XX/XX/2019 I received a phone call from Radius Global Solutions. The number they called from was XXXX. They have called before and have been told if they would not tell me what this debt was about to quit calling me. I have repeatedly identified myself as the person they were trying to reach but they would not tell me what the debt was in reference to without verifying the address. I identified myself as the person they were trying to reach I am not giving out any other information till I am told what it is in reference to. When I tried to pull up the companies website of www.radiusgs.com it gives you a warning that it is not a secure site and that someone might be trying to steal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: HW Holding, Inc
State: TX
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:
I was evicted from my XXXX XXXX XXXX in XXXX XXXX in XXXX of 2013. I was not contacted by the apartment staff for payment of fees incurring because of eviction. I received a call from Hunter Warfield Collections Agency about XXXX weeks later. Hunter Warfield stated I owed them a {$2500.00} payment which was debt sold to them from XXXX XXXX XXXX. I immediately asked for written notification and an itemized bill. They agreed to send the information. I never received written notification or an itemized bill. I followed up with the apartment complex to find out exactly what was going on. The apartment complex said they notified me via mail. They sent the notification letter to the address I was evicted from so I had no way of receiving the mail. Also, I had all mail forwarded to my new address in XXXX XXXX. I did not receive any written notification from either party with a description of the fees I owed. The debt has since negatively affected my credit rating. I have still not received any written information from the credit agency or the apartment complex.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
State: CA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Experian and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following inquiries completely from my Credit Reports : XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 2022-05-13
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  account XXXX XXXXXXXX XXXX # XXXX, XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX  XXXX. account # XXXX, XXXX XXXX. account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  account # XXXX, and 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 604A section 2 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 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, 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 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 2015-04-15
Company: Ocwen Financial Corporation
State: MN
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
After ten years having this mortgage on my XXXX condo I have been unable to satisfy OCWEN that I have sufficient insurance through the condo association. No matter what contact person or insurance documents me or the condo association and their insurance agent provide they are never satisfied and have now purchased an additional flood insurance policy on my condo for the sum of {$830.00}. I believe this is ridiculous and an attempt by the mortgage company to create an additional income source.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My home was modified and some of the debts that were accrued were capitalized. Through the XXXX XXXX XXXX XXXX XXXX company, I was granted XXXX dollars to go against any of these charges. During the process I do not see any place where the money was allocated and when recently trying to refinance my loan I was told that the original capitalized XXXX dollars still remained. The XXXX was not applied toward the debt. Because I met the requirements of staying current on my note, the mortgage lien placed by XXXX XXXX XXXX XXXX, was canceled in 2017. This can be confirmed with the XXXX XXXX XXXX. I have attached documents relating to the payment to this complaint. 

I submitted a prior complaint which was noted and the XXXX confirmed but no mention was made of this XXXX payment that was received and I would like the mortgage to be credited for such. The mortgage is now with XXXX XXXX, and the money should be forwarded there for crediting, unless there is proof of the money being applied somewhere.

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 2017-09-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Back in XXXX, I let Capital One know that i had been admitted into XXXX XXXX XXXX for emergency XXXX. I had been trying to work with them on my payments as i had been out of work while in the hospital. While i was there, I spoke with a represenative and advised that i was sending my sister to pay the outstanding balance on my account that day i believe XXXX/XXXX/XXXX. I was told at that time that as long as the payment was made that day i would be fine. That same morning, my roomate called me to inform me someone had come by and picked the car up. When i called Capital one, there phone system kept redirecting me to an alternate line which would immediately disconnect. this went on for a week. Further, once i received info on my car 's whereabouts, i was told multiple times that my car had not been repossessed. after about two weeks time, i finally got the information i needed. I feel extremely misled and wrongfully treated especially since i was in the hospital for emergency XXXX. I have always stayed in communication with Capital One and paid on my accounts with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Portfolio Recovery Associates, LLC has called my job and was asked by myself and my manager not to continue calling this was about XX/XX/XXXX. Then starting this year ( around maybe XX/XX/XXXX ) they have been sending mail addressed to me at my job. Receiving personal mail at my job can result in termination and I have received mail from them as recent as today XX/XX/XXXX. One of the times my coworker answered the phone they told them they were calling to collect a debt from me and there is no way they could be confused that they were calling a work place because there is a greeting and extensions that has to be pushed to reach the different departments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-29
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello. 

I keep getting harassing calls for a debt I do not have. The alleged " debt '' is from XXXX XXXX. The harassing calls and fraudulent debt claims are coming from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX These people are also adversely affecting my credit record through this fraudulent claim that they have reported to the credit bureaus. 

Please have them cease and desist the harassing calls. I also want them to remove this information from the credit bureaus and from my credit record. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
State: NV
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. The List of accounts below has violated my Federally Protecte

d Consumer Rights to privacy and confidentiality in 15 USC 1681.

15 U.S.C 1681 Section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX  XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # 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 2020-04-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I had previously been an Experian credit monitoring customer but wanted to cancel my account. In the app where payments are made and the account is initiated you cant cancel the account. They confuse consumers by giving the option to downgrade to a lower price account or a free account. People will likely take the free account thinking its equivalent to cancelling, but its not. If you actually want to cancel your account you will have to find the phone number to call, sit through unusually high call volumes,. And answer the same personal questions multiple times to a computer and a person and then sit on hold again. The whole process took a half hour and is clearly designed to be a pain in the XXXX. They make it difficult to cancel to increase their sales and trick you into keeping your data with them. 

If Unfair and Deceptive Practices apply to Experian, this is clearly one. The executives, product managers and every decision maker that thinks this is ethical and approved this business decision should be banned from financial services work. They have no sense of honor or duty for fellow humans. Shameful

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 2016-07-24
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I was forced into foreclosure on my home and business by One West Bank and then BANK and XXXX changed names to Cit Bank NA, lied about any complaints against them and hired it 's unethical gang of lawyer thieves who stole my home and business with fraudulent mortgage documents like assignments of mortgage and sworn affidavits with blatant forgeries and notary frauds in a court room without answering because they all got the same crooked lawyer from XXXX XXXX XXXX, XXXX XXXX to commit fraud on the court and civil theft of my home after I already proved that BANK s misconduct was unjust actions, and lost paperwork and no accountAbility at Cit Bank NA. CIt BANK is a criminal enterprise to steal homes, for one west and XXXX XXXX and XXXX and XXXX and XXXX to enrich themselves by concealing this reprehensible fraud that is hard to uncover. Cit Bank regularly pays attorneys to deny homeowners due process and XXXX committed fraud and obstructed my and other mortgage modification applications. XXXX XXXX and XXXX XXXX and XXXX XXXX and XXXX and XXXX XXXX are all in collusion and have generated yet another limited liability company to steal homes illegally across the XXXX and through out Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Experian Information Solutions 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 a letter off on XX/XX/2022. To remove personal information that I don't want and shouldn't be on my account. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. According to 15 USC 6802. Financial institution may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information.

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 2020-09-25
Company: EQUIFAX, INC.
State: VA
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 have been sending dispute letters asking for these egregious accounts from XXXX XXXX XXXX XXXX, XXXX  XXXX  XXXX, and XXXX XXXX Bank-XXXX  to be removed from my report as they have not provide the original credit agreement or original contract I supposedly signed for these supposed debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: CITIBANK, N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received an offer from Citi where I would get a $XXXX bonus and an extra 0.5% cash back on my credit card for opening a checking account.I opened the checking account but did not fund it at that time because I didn’t have a check from the XXXX XXXX XXXX where the funds would come from.I logged onto Citi.com and didn’t see my new checking account listed. So the next day I opened another checking account and funded that checking account. I didn’t understand why but it forced me to also open a savings account. So I opened the savings account with $XXXX.I was in the middle of making some big purchases for my new house so I wanted to know when the extra 0.5% would start. I spent far too much time on the phone before I was told that I didn’t qualify because I had not put the $XXXX into the proper checking account. I tried to explain that I made a good faith effort to do as they requested but it didn’t seem to make any difference.I then closed the 2nd checking account and the savings account and requested a check. After receiving the check and depositing it back into my XXXX XXXX  account. I then transferred the money into the first checking account. Within a day or two, I got an email saying everything was set up properly and the extra 0.5% would start on the credit card.It had taken far too long but I figured everything was properly set up and everything was fine. By this time, I had already soured on Citi but decided to not do anything at that time.I was surprised to find an envelope from Citi in the mail on Saturday with the check for $XXXX  saying they had closed my account. I called Citi this morning and they stated they had the right to close my account and there was nothing to be done.So, after all this time, I first started to transfer the $XXXX to Citi on XXXX XXXX and won’t have access the funds they sent me until XXXX XXXX, I appear to have nothing. Citi still must want me as a customer because I still get offers for various credit cards from them.I know I did whatever was necessary to get the $XXXX and the 0.5% on the credit card and I am surprised that Citi is able to avoid giving me my bonuses. It might be legal but it sure seems immoral to me.What if anything should I do to prevent Citi from treating other customers as badly as they treated me.

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 2022-05-13
Company: EQUIFAX, INC.
State: CA
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 My Letters off XX/XX/22. I told the Credit Bureaus to " Investigate every piece of information '' on the accounts listed down below. 
Also, I have attached the tracking numbers to show I sent these letters to each Bureau voicing my concerns and disdain for these inaccuracies and discrepancies. 

According to the FRCA, the Term " Investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, personal characteristics, general reputation, or mode of living is obtained through personal interviews with friends, neighbors, and associates of the consumer reported on or with others whom he/she is acquainted or who may have knowledge concerning any such items of information.

If these accounts are supposed to be verified, how is this possible if they did not do a proper and full investigation according to The Law.

Also, every piece of information on these accounts are still reported 100 % Accurate. And According to the FCRA 15 USC 1681 EVERYTHING has to be 100 % Accurate and they are not. I have attached the inaccuracies as well. 

These accounts are not only inaccurate but they have violated My Federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

I am not a criminal and have never been, nor have I been convicted of any crime ( s ).

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

These are the accounts : XXXX  XXXX ( different amounts for all XXXX ), XXXX or XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
I first noticed this problem when Capital One didnt update my credit report in time to reflect that my credit card is showing a XXXX balance & now Im seeing that theyve also added a remark to my XXXX report which has lowered my credit score XXXX points. My credit score cant increase due to how theyre reporting on it

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14
Company: M&T BANK CORPORATION
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company had changed from XXXX to M & T Bank in XXXX 2015. The new mortgage company has been a living nightmare every since. I open up my XXXX statement and they are stating that my mortgage was going to go up by an additional {$300.00} a month. I freaked out and got on the phone with them and they gave me their text book reason that my tax information has went up. I advise them they were charging me to separate taxes when our taxes here in XXXX GA is combined for a total taxes and fees. I tried to explain this to someone and they still want me to pay {$1700.00} and an extra {$150.00} on my mortgage. I would like for you to force the bank to redo their analysis because they are adamant their not have the right information. I even requested that they call the tax office here in XXXX, GA to verify their taxes are combined in accordance to my recent tax statement.

Company response to consumer: Closed with explanation