BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-18
Company: Absolute Resolutions Corp.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a host of issues with these debt collectors however I picked the attempt to collect the wrong amount about my complaint. On my consumer report there is reported information about of an amount XXXX flat alleged owed however the collection agencies are asking for amounts of XXXX, XXXX and or XXXX federal law states they can not collect ANY amount unless expressly authorized. I have no agreement with this company and I never received any paperwork, no contract anything, that would allow me to validate anything 5 days after since this initial communication was sent to me. Instead I am told I have " generous settlement terms. '' Settlements only happen to avoid suits. All I see is settlements and settle within this notice and I am scared like XXXX? And I can confirm they are trying to scare me into believing this is a legal matter because they put on my consumer report " assigned to an attorney. '' This can't be legal! How can I possibly be sued without this information verified on amounts that are not consistent from two different debt collectors? Yeah one is named Absolute Resolutions Investments LLC and they are telling me I allegedly owe them money by they said themselves they paid for the debt, so how is that even possible? Then they are telling me to not pay them but pay another company by the name of XXXX XXXX XXXX XXXX This seems like a scheme to defraud of money I do not owe either company. They have also committed debt parking by placing this false debt on my consumer report saying it was assigned to an attorney. I believe between debt parking and quoting settlements, this was a strong attempt to extort money from me illegally and I am asking for the CFPB to put an end to this situation please. I have been unable to use to extend my credit for the entire year of 2020 and this made it extremely difficult to get a job. I haven't been able to get reliable work because they always check my credit and see this XXXX account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: EQUIFAX, INC.
State: MI
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:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: WELLS FARGO & COMPANY
State: NJ
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2017-03-16
Company: Ocwen Financial Corporation
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company Ocwen Loan Servicing XXXX has accessed my consumer credit report without lawful authority. I contacted them via facsimile transmission on XX/XX/XXXX. They have not responded. I asked them to send me any documentation that shows I gave my consent for them to pull my credit report and violate my constitutionally-protected right to privacy. 

They have not sent any documentation showing that I have given anu such consent or that I have any kind of previous relationship business relationship with them. In fact, they have not responded at all. I am invoking the office of the CFPB to take any measures necessary to make them correct the violation before I file suit. If they respond with anything relating to accessing my credit report as being a soft " pull '' that will be unacceptable. 

An identity theft affidavit and police report will be forthcoming.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: Experian Information Solutions Inc.
State: GA
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 disputed a collection account with XXXX XXXX with Experian, XXXX  XXXX  for three months. This account is not a collection. It is under consolidation with XXXX  XXXX XXXX. XXXX is reporting I owe them {$5800.00}. This information is inaccurate and unsubstantiated. 

I request this entire tradeline to be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: Ocwen Financial Corporation
State: MO
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I 'm a widow and my husband was the major income contributor in our family. I tried to get help form Ocwen before I could no longer make the payment. I filled out the Hardship paper work and sent it in. I was contacted by a representative and he told me he would be my point of contact. He said I was missing some paper work so I got it together and sent it in. Three weeks later I hadnt heard form them so I called, Long story short I had been assigned to a different person and they had not recieved the paper work. This happend for the next couple of months until they said the information was too old I needed to start all over again. 

I was behind on my mortgage for a few months but I got it caught up in XXXX 2016. Now they are calling me everyday about when I am going to pay XXXX payment and it is not late until the XXXX of the month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Selene Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Dear Sir or Madam : The borrower, and complainant, received a Notice of Intent to Foreclose despite the fact that she has been paying the loan each month in full to the Original Mortgage Servicer, XXXX XXXX XXXX XXXX XXXX. Enclosed please find the cancelled checks. 
Upon information and belief, the mortgage account was transferred, without notice to the borrower, from XXXX XXXX XXXX XXXX to Selene Finance LP. Attached is proof of correspondence from the new servicer ( Selene Finance LP ) delivered to an incorrect address of the borrower. 

Moreover, Selene Finance LLP has failed to give written mortgage statements of each billing cycle showing detailed information on the current payment amount, payment history, missed or late payments, and for other information. The borrower continues to make payments to the original mortgage servicer due to the current servicers refusal to accept mortgage payments or to otherwise retrieve past funds sent to XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Contacted Wells Fargo to advise my info used to open an account fraudulentlyPhone XXXX. XXXX # XXXX. No response.

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 2021-06-18
Company: EQUIFAX, INC.
State: MO
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: Aldous & Associates, PLLC
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I tried to pause or cancel my account earlier of last year ( XXXX ), but wasnt able to because I had one month past due. I wasnt financially stable and called XXXX customer support to try to get my account paused so I wouldnt have to pay for even more months and they told me that it wasnt possible until I payed off my previous month. I couldnt pay off that previous month because I was unemployed so it forced me to pay for the next month which added onto my debt. I stopped going for months because during all those months Ive been trying to either pause my account or cancel it so I wouldnt have to keep paying. They did not allow me to pause my account or cancel it which forced me to continue having my account open and added to my debt which I did not want and couldnt resolve. I received some mail last year about the attempt to claim debt and then stopped receiving them for a while so I assumed that the issue was resolved. Today ( XX/XX/XXXXXXXX XXXX  ) the debt went into collections without any notice prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: HANCOCK WHITNEY BANK
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a priority checking account on XX/XX/2020 online through Whitney Hancock which requires a {$10000.00} minimum balance to waive monthly fees. I initially deposited {$1500.00} and then did an transfer for {$8600.00} and did a deposit in from the Treasury Direct account. When I went to log into my online account on XX/XX/2020 ( which I had access to prior ) it said that my access had been suspended by an administrator. I called the customer help line where the rep gave me a number to branch located in XXXX, Florida and said someone at the branch suspended my account. When I called that branch they said they had no idea and no one from there suspended my account so they gave me the number to the XXXX XXXX branch in XXXX, Florida which was listed as my local branch. I spoke to XXXX that morning at the XXXX XXXX branch that said someone from loss prevention temporary suspended my account and she would contact them and call me back. The next day on XX/XX/2020 I still had not heard anything so I called XXXX again. She said no one ever called her back. I told her I would like to make an appointment to come in and close the account and she said my funds were frozen and it could not be closed but she would try to contact the individual at loss prevention again and would get back to by the afternoon. I never received a call. 

I have already transferred over {$10000.00} into the account and now I don't have any access to my funds. I have spoken to 3 individuals to try and get this resolved. Additionally, I never received any calls or emails notifying me that my account was suspended and under review and was not provided a reason for the review. I am beyond upset with the service I have received from Hancock Whitney bank and would like the account closed and my funds provided back to me immediately in the form of a official check that I can pick up at my local branch. I don't want to have to wait for a check in that amount to get to me through the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: EZCORP, INC.
State: CO
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
i received a call today for a payday loan that was not paid in XX/XX/2014 stating that if i did not pay the amount in full that a warrant would be issued for my arrest. these people were rude, offensive and very threatening. The name of the company was ezmoney payday loans. Better known as EZcorp. This outstanding debt is currently awaiting my bankruptcy to go through. I have also not heard from this company once. IT ALSO APPEARS THAT THIS COMPANY HAS BEEN SANCTIONED BY THE GOVERNMENT TO NOT COLLECT ON ANY PAST DUE LOANS

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Deposits and withdrawals

Complaint:
We opened a cd with XXXX XXXX saving in XXXX XXXX XXXX Calif. During the term of the cd Union bank bought XXXX XXXX XXXX . Our 5 yr. cd matured and rolled into a new cd. XX/XX/2016 without receiving any notification from Union. When I discovered the cd rolled over I went to Union to cash it in. It was Monday. XX/XX/2016 I was upset about the penalty and the conversation with the teller was not having a beneficial effect. I ended up yelling and making a scene and abruptly left the bank with out cancelling the cd. Then on the following Wednesday, two days later, Union Bank called and said they were cancelling the cd and another account under my family name. I told them I was ok with them cancelling my cd figuring if they were cancelling it there would not be a cancellation penalty of {$1400.00}. but said I did not want the other account closed. The representative said he would have to ask the office if we could keep the other account open and would call me back. He called right back and said Union was requiring all my accounts be closed. They said they would be overnighting me a cashiers check for the cd. The next day when I looked at the cashiers check they had taken a {$1400.00}. penalty fee and claimed that they were closing the cd by my request. I did not cancel the cd, did not fill out any cancellation paper work and was planning on sitting on the cd till I figured out what I was going to do. Union did not call me on that Wednesday morning because of their desire to provide me with good customer care, not. They called because they wanted to cancel my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Issue: Billing disputes

Complaint:
I returned XXXX gifts to Bloomingdale 's in XXXX. I showed them all of the receipts and all items had the " required for return to bloomindale 's '' stickers that give them the transaction history, telling how the items were originally purchased. A credit was placed on my bloomingdale 's card, as has been done before when I have returned gifts. When I called to check on my bill, I still had a credit balance and they asked if I wanted a refund check. I said yes. They said it would be 7-10 days. I never received it. I was sent a letter stating that the items were not originally charged on my credit card ( of course not, they were gifts charged on my mother 's card ) and they wanted history of purchase. I had already given them that information. They suggested that I return to Bloomingdales ( a 50 minute drive ) with the receipts again. I told them that was unreasonable, as I had already done that a month before when I returned the items. I provided them the information and they should have record of purchase on my mother 's account. The customer service agent I was speaking to kindly agreed to look up and provide them the information they had requested. I still did not receive a check. I filed a complaint with the XXXX ( Complaint ID # XXXX XXXX over a month ago and Bloomingdale 's has not responded. It does not seem legal that they refuse to pay me my credit balance on the credit card. It has almost been three months since my first request. They have been paid for the merchandise and have been returned the merchandise, but they refuse to pay me the money they owe me. They owe me {$710.00}

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 2022-04-12
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have disputed some accounts that has been reporting wrong info, they said they have investigated, and still reporting wrong info. I have advised them to delete that account, because according to FCRA they are reporting wrong information and had provided proof of wrong 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 2020-03-27
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
My house was originally for sale, and myself and the buyer were supposed to close on XX/XX/2020. The deal fell through because of my buyers financing. 

I called PennyMacUSA to inform them of what happened, and to express to them that I have every intent on paying them what I owed ; Although I was still planning on selling my home. 

I spoke with a young lady by the name of XXXX XXXX, and she informed me that I owed PennyMacUSA a total of {$5700.00} which included late charges and credit for partial payments. I told her that I did not have that kind of money on hand immediately but I could pay her a total of {$2500.00} right away to chip away at what I owed ; Leaving a total balance of {$3200.00}. 

We looked into some options to keep my home from going into default. She stated that I qualified for a repayment plan, and that I would be receiving a letter to show the terms of the repayment plan. When I received the letter it stated that I would have to pay a monthly total of {$2800.00}, for a total of 4 months ( XXXX-XXXX  ) ; With a final payment of {$2100.00} for the month of XXXX. 

I called PennyMacUSA and asked them how did my monthly payments get so high when I only owed them a total of {$3200.00}? My monthly payments originally were only {$1200.00}? She told me that the extra money would be applied to my principal. She asked me did I agree to the terms and I said NO, that the terms were not fair. She said that I had until the end of XXXX to change my mind about the repayment plan. I stated that I would try to come up with what I owed on my own, before agreeing to those terms ; The call ended. 

Now XXXX has rolled around, I paid off all of my other bills before I decided to deal with PennyMacUSA. I said to myself, " I will see what I have leftover, so that I can know what I need to borrow ''. When I checked my account, I noticed that PennyMacUSA had already deducted the normal payment amount out of my account. The only issue that I took with this, was that it was an unauthorized payment. When I spoke to an agent over the phone about this matter, she stated that I agreed to the repayment plan. I informed her that that was not a true statement, I remember clearly not agreeing to the terms. She repeated that I did, and that she had me on tape agreeing to the terms ; An argument ensued after that. I also still have the original repayment plan agreement that was sent, and that I never signed as well. 

Overall I feel as if they were just looking to take my home, and they never really wanted to work with me on a repayment plan in the first place.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-17
Company: FORD MOTOR CREDIT CO.
State: NH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I had a car when in XXXX. My father cosigned. I got sick and was in the hospital. Out of spite my father took my car and ruined my credit at the time to hurt me. Ford motor credit is still trying to collect since XXXX. XXXX refuses to remove it.

Company response to consumer: Closed with non-monetary relief