BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-15
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I ordered facial cream from XXXX to try their product for free if I paid shipping cost of {$6.00} I received a charge of {$44.00} on my Citi credit card from this company on XXXX and did NOT notice the extra charge as I was paying many bills from XXXX spending I received a bill XX/XX/22 for {$270.00} from the same company and called Citicard to cancel this card as I received no communication from them and agreed to nothing to warrant these charges I received a new card from Citicard My new card had the same charge of {$270.00} on XX/XX/22 and I called Citicard and they told me that I lost the dispute so the charge was still owed I did NOT give my permission or card number to the cosmetic company I was NOT part of the dispute I tried to reach the cosmetic company but the phone number provided by Citicard was a company that denied they had charged this amount I couldnt reach anyone at Citicard that would help me with this problem

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 2020-09-21
Company: Freedom Mortgage Company
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage was increasing my monthly payment each year even though I had a fixed rate mortgage. When I questioned it, they said I had to keep a certain balance, {$520.00} in my escrow. The next year, I had over {$700.00} in my escrow when the anniversary of my mortgage hit, they waited until two months after the anniversary of my mortgage, after my escrow dipped below {$500.00} and then the upped the amount of my mortgage payment again. When I questioned it they said they would look in to it and never got back to me. I recently sold my house and they were very difficult, they wouldn't give the title company the payoff even though I signed paperwork that they said the could. In the payoff, there were two months of Mortgage Insurance Premium. When I asked about it they said because it was because it is paid in arrears. So the entire amount was paid at closing. As of the date of the closing, I had {$90.00} in my escrow. They are refusing to return it to me. They are now claiming it is for mortgage insurance premium. However, as stated, that was paid at closing. They are unethical and should not be allowed to due business. They make you increase the amount you keep in your escrow every single year, they claim they don't make money of the escrow accounts but I find that highly unlikely. They need audited.

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 2020-03-17
Company: Convergent Resources, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a Bill from Convergent on XX/XX/2020, referring to an account number that is not mine and saying I owed our local electric company {$260.00}. This is not my debt and I want it cleared in order to restore my credit rating.

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 2022-08-15
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
submitted a dispute XX/XX/2022. have not received a response from the company

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 2015-07-10
Company: Direct Capital
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Keep receiving telephone calls from debt collectors for a person with the same name, but different SSN and date of birth. 

Received calls from XXXX XXXX/Direct Capital ( # XXXX ) and from an unknown caller ( # XXXX ). 

I never received a letter regarding a debt collection, but continue to receive telephone calls.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: EQUIFAX, INC.
State: FL
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 XXXX, Account # : XXXX, XXXX, Account # : XXXX, XXXX XXXX XXXX Account # : XXXX, XXXX XXXX, Account # : XXXXXXXX XXXX, Account # : XXXX, XXXXXXXX XXXX Account # : XXXX, XXXX, Account # : XXXX, XXXX XXXX XXXX XXXX XXXX Account # : XXXX, XXXX, Account # : XXXX, XXXX  Account # : XXXX XXXX & XXXX XXXX DC, Account # : 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 response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
My closing date for my mortgage with Carrington Bank was XXXX XXXX. It is now XXXX XXXX 2015. After being told it was clear to close over XXXX weeks ago by my broker, it is still not closed. Every day they keep asking for something else and why was n't this asked XXXX MONTHS ago. I signed the contract on XXXX XXXX and my closing date was supposed to be XXXX XXXX, 2015. My concern is they keep questioning me about my status with my divorce and I was FORCED to file for divorce because of their internal " guidelines '' and just on Tuesday I was asked why I was getting a divorce and to explain my reasons to them. I have been so upset about their questioning. I think the Mortgage company has crossed the line by asking for my reasons why a divorce.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: AutoMoney, Inc.
State: NC
Product: Consumer Loan
Sub-product: Pawn loan
Issue: Charged fees or interest I didn't expect

Complaint:
AUTO MONEY TITLE LOAN, used unlawful behavior to take my property. By contacting family and friends and invasion of privacy. 
After informing them of trying to reorganize my finances in order to repay them and retrial my title back. We have done business with them before and have always paid our accounts off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX credit card switched their services to Citibank in XX/XX/2020. This is my second payment on my account through them. I initially made a payment of {$43.00} on XX/XX/2020. The payment did not go through. I have asked XXXX for a audit of my account, because I checked my account and had the money available. Citibank then went into my account on XX/XX/2020 and tried to pull a payment for {$40.00}. I never authorized the payment for {$40.00} at any time. Then XX/XX/2020 they went back into my account for another {$43.00}. That is three {$29.00} NSF fees on my account. One of which, for {$40.00} that I never authorized. Citibank changed the amount on that payment to be able to go into my account three times. No merchant is allowed to go into an account more than twice. Citibank says they always go in twice, but I don't think they are allowed more than two attempts, but if they change the amounts they can go in as many times as they like. This is my third problem with Citibank having had a bank account that was slow paying and my direct deposit was not deposited in a proper or timely manner, causing me NSF fees that they had to refund. 
XXXX account ending ... XXXX XXXX card ending ... 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 2016-12-25
Company: NETWORK CAPITAL FUNDING CORP
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was a home buyer that entered into a contract to purchase a home. The contract included an earnest money deposit of {$5000.00}, and was contingent on financing. I was a small business owner and worked with Network Capital ( NC ) because they told me that the age of my business would not be a problem. After I discussed my business with XXXX of NC I sent a follow-up email on XX/XX/2015 that confirmed the conversation. 

The lender proceeded to charge me for an appraisal fee of {$410.00} and in addition I paid for a home inspection fee of {$470.00} and surveying fee. The lender did not share that there were any issues with the loan until the day of closing, XX/XX/XXXX. NC surprisingly denied the loan on the day of closing because I was a small business owner and the bank was not comfortable with the age of my business ( about 1.8 years old at the time ). I also wish to add that I had excellent credit, 20 % down and no debt. I complained to the lender because the age of my company was not new information, and they even pre-approved the loan knowing this information. NC reviewed my application again and denied the loan a second time for the same reason. 

I have spent the last year pursing the sellers for my earnest money, which I did get back after a trial.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX XXXX DEPARTMENT ALL IGNORING WRITTEN COMPLAINTS AND REQUESTS FOR LEGITIMATE ASSISTANCE IN CORRECTING MANY GROSS ERRORS RESULTING IN $ XXXX LOSS IN MY ATTEMPTS TO OBTAIN CREDIT. I NEED CFPB TO PLEASE ASSIST IN GETTING IN TOUCH WITH A REAL PERSON WHO CAN ACTUALLY HELP RESOLVE MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: Experian Information Solutions Inc.
State: CA
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 mail a letter to Experian, XXXX, and XXXX asking validation of XXXX FIN account. I have not received any information on the investigation. I would like to have proof of who they spoke with, the time and date, and proof the investigation was actively done. This is a violation of my right pursuant to15 U.S. Code 1681i. The information on my consumer report should be accurate and true. Experian, XXXX, and XXXX have been report inaccurate information to my consumer report which have cause a hardship in my obtaining a vehicle.

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 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 have disputed these items on XX/XX/22, XXXX, and XX/XX/22 for the FCRA violation these XXXX XXXX are in violation and can not be on my consumer credit report. XXXX, XXXX, and TRansUnion have all broke the law and are now ignoring my dispute demands that the are legally obligated to.

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 2015-12-13
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX 2015 I set up a settlement with Midland Credit Management ( Midland Funding LLC ) for a debt they bought from XXXX XXXX XXXX. I paid the agreed settlement in XXXX 2015. I received documentation for the settlement agreement and that it had been paid. This company is still reporting this account open to the XXXX credit bureaus. I have disputed this with the credit bureaus and the company still maintains that I have balance due. When I called the company and spoke with Consumer Affairs division, they claim that the Internal Legal department has not notified them the debt has been paid. I have spoken to the Internal Legal department who indicated that the account is closed and there is nothing more they can do for me. In the meantime, this account is still showing open with a balance on my credit reports because even after I provide documents regarding the settlement and that it 's paid from this company. The company keeps reporting differently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I'm filing a complaint because TransUnion is damaging my buying power and my character. I have exhausted all of my options on getting matters escalated directly with them but yet they have ignored. Today was my final attempt after being on a phone call XXXX hour XXXX minute with no solution to the issue. My Information has been compromised and there has few accounts opened in my name without my authority. I have contact original creditor and they have agreed and close out the account however it's reporting due Transunion negligence. On XX/XX/XXXX I sent out proper documents and XX/XX/XXXX I sent out XXXX fraud XXXX. XXXX has removed accounts for my credit report on XX/XX/XXXX and XXXX of XXXX and XXXX have removed accounts on my credit report XX/XX/XXXX. Admission is to deletion, the other credit bureaus have removed it then Trans Union should remove it especially because it's a fraudulent account. I have submitted all the proper documentations to them via certified mail which include my identity theft report as well as a dispute letter and out of my proper identification. Transunion has failed numerous of times and has violate my privacy as a consumer. The credit bureaus must report accuracy on my credit report and all accounts should have been properly verified before insertion.You have violated my federally protected consumer rights. Under 15 USC 1681e ( B ) you did not report my consumer report with accuracy. Transunion also violated 15 USC 1681 ( A ) ( 4 ) because you DID NOT report my consumer report with fairness, impartiality, and respect. In fact, you were biased with the instructions that I gave you and decided to do things your way by XXXX me and forcing me to accept what you deem verified. I've been told numerous of guys from the Credit representative and they have failed to do any type of proper verification or to acknowledge my documents that were sent. There's also numerous address on my credit report that does not belong to me. During YOUR investigation period, Transunion REMOVED THESE ITEMS WITHIN 4 DAYS ACCORDING TO 15 USC 1681c-2 ( A ), WHICH YOU VIOLATED. This issue is considered negligence and aggravated identity theft. Keep in mind, I called several times and ask to speak to an executive supervisor in the consumer affairs department but I was also told thy can't and will not help. I'm beyond upset. The names the credit accounts are XXXX XXXX XXXXXXXX, XXXXXXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-26
Company: Experian Information Solutions Inc.
State: OH
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:
A few months ago I applied for credit and was denied for " too many inquiries '' I have tried multiple time to dispute these inquiries and ask that they be verified because I did not apply for credit on these dates.  XXXX ,  XXXX , and Experian continue to send me letters saying they have reviewed the information and that they are factual. After the last unauthorized inquiry was placed on my credit file a fraud alert placed on my account. This should prevent any further issues. Please see that the unauthorized inquiries with the dates provided that I have listed please be removed. Per my investigation none of these companies received my written permission to obtain my credit.       XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   EXPERIAN   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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 2020-03-17
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Experian refuses to acknoledged my dispute. expect me to except there form of verification without proof. Enclosed are two reports both reports are direct result from a dispute i opened on XX/XX/XXXX with a completion date of XX/XX/XXXX, The Statuse update shows XX/XX/XXXX completion Experian did not notify me, by mail and that the information was only available online. I checked and the status update was listed as XX/XX/XXXX. My dispute was to vaildate and UPDATE correct information. NO UPDATE was given. I called and after hours on the phone. they posted another update but the status update was still the same with a comment that a balance is due an updated as of XX/XX/XXXX BUT still showing a status update as of XX/XX/XXXX. Unless Experian are time travels the status was updated on XX/XX/XXXX and a statement was added on XXXX. That is illegal to add the statement to an already exsisting update and telling me it was validated when on there own website it clearly states a contradiction. the statement is false and unverified. 

I called on XX/XX/XXXX to try to resolve the issuse and I told the representative I AM NOT calling to dispute. never the less without my permission another dispute ws open. My monitoring systems alert me of dispute and I called then IMMEDIDATLY, without doing a proper investigation the dispute was completed on the same day, which is also a violation of my rights. I enclosed a full detail letter along with both copies of 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 2015-06-30
Company: BBVA FINANCIAL CORPORATION
State: PA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have had BBVA Compass Bank as a lender since 2005. For the last XXXX months, I have not received a mortgage statement and they report they are " working on it. '' I have called them several times and they will not resolve it. They hang up on me. My mortgage is due to adjust now and they refuse to give me an update on the new amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
A few months ago I applied for credit and was denied for " too many inquiries '' I have tried multiple time to dispute these inquiries and ask that they be verified because I did not apply for credit on these dates.  XXXX , Transunion, and   XXXX    continue to send me letters saying they have reviewed the information and that they are factual. After the last unauthorized inquiry was placed on my credit file a fraud alert placed on my account. This should prevent any further issues. Please see that the unauthorized inquiries with the dates provided that I have listed please be removed. Per my investigation none of these companies received my written permission to obtain my credit.       XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX    TRANSUNION   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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