BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-16
Company: Experian Information Solutions Inc.
State: MA
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 Requested XXXX XXXX  Close my account in XX/XX/XXXX due to fraud and unauthorized user. ( My conversation was recorded with my Bank Manger conferenced in with XXXX. They did not close the account as promised until XX/XX/XXXX nor would they retroactively do so. Every time I close an account they open a new one and allow fraudulent charges to be transferred to new cards, at least six cards I am aware of. They lost my initial fraud report and have not reimbursed me nor can tell me when I will be refunded. My credit has been adversely impacted such that I can not get a job or new credit. Prior to this incident I had excellent credit in that my balances were paid on time in full every month. Despite having a XXXX XXXX XXXX which I believe has zero liability I am being held liable. They refuse to provide necessary documentation showing multiple frauds so I can apply for a new social security. My bank account was breached as well. While they admit orally to fraud they will not provide anything in writing or agree to blocking my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I took out a loan for a used vehicle with XXXX XXXX XXXX. I have made many payments in person and online. Because I am paid ahead till XX/XX/2024 I want to make principle only payments. I am not able to do that online and when I went into the office I was told I can't make principle only payments there either. That the computer decides. So far, every payment I've made they take out a finance charge. I don't think this is right. 

I was also charged XXXX years worth of car insurance, life insurance, and auto club fee without telling me. When I noticed the additional charges that same day they removed the fees when I provided my XXXX  page from my insurance company. Had I not noticed these charges I would have been paying 2 car insurances. What I don't agree with is my finance balance would not have incured so much finance charges. Those fees were almost {$7000.00}. They issued me a check which I applied to the account but the original bal was calculated with a higher amount and a higher f/c was applied. I feel I'm due the credit and the f/c should be based on the correct amount of the vechicle. 

I'm concerned about the people that are taken advantage of when they do not know they are paying these unnecarsary fees.

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 2019-11-26
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
THIS IS IN RESPONSE TO CFPB : XXXX YOU HAVE ASKED ME FOR AN AFFIDAVIT, IN WHICH I PROVIDED IN THE INTITIAL COMPLAINT. PLEASE DO NOT STALL AS YOU HAVE 30 DAYS TO RESPOND BACK AGAIN FOR A REINVESTIGATION FOR VALIDATING THIS DEBT. PLEASE DO NO VERIFY INFORMATION USING XXXX AS THAT IS IRRELEVANT. 

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX TODAYS DATE:XX/XX/XXXX AMERICOLLECT XXXX XXXX To Whom It May Concern : Please be advised that I have received your correspondence  dated XX/XX/XXXX This is not a refusal to pay or a cease notice, but a notice that your claim of monies owed is disputed. According to the FDCPA you must validate a debt to a debtor if the debtor responds to your primary notice within a matter of days. Under the FDCPA and according to recent findings with the Federal Trade Commission, you must send valid proof of this debt and a printout of records is not valid. See FTC.gov staff attorney opinion findings for details. Please dont send back a print out. The proof requested is as follows : Please know that everything must match Date you purchased debt Amount you paid for said debt Original Date of Charge Off Date of last payment/activity if any Creditors full name and address All records pertaining to actual debt to prove validity I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my courts venue. You will have to travel to defend yourself in that scenario. Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required. Please understand as well that under the FCRA any furnisher of information must put the account rating on hold while the debt is being investigated. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you. 
Awaiting your reply in a timely manner. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX TODAYS DATE:XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: Debt Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
You are in violation of many federal laws because you are trying to collect on a debt that was previously discharged through my Chapter XXXX Bankruptcy filing that was done on XX/XX/XXXX, and the fully discharged on XX/XX/XXXX by the Federal Bankruptcy Court located in XXXX, Ca. Judge XXXX XXXX was the presiding Judge that Ordered the discharge and XXXX XXXX was the assigned Trustee for my Bankruptcy case. 

The debt that you are trying to collect on is for : XXXX Credit card with the account number ( partial )  of:XXXX Also, the fact that you have lied and placed an opening date for this credit card on my credit report for : XX/XX/XXXX is another violation of Federal Law.  Also, the fact that you have purchased a discharged Bankruptcy debt knowingly, and are now trying to collect on it after the fact is yet another major Federal Violation. If I have to have my Bankruptcy case reopened in Federal Court just so I can sue and make an example out of you for this extremely illegal debt collection practice, Believe me I will. 

You have also inserted this illegal debt collection into all of my credit reports with all three Credit bureaus without even trying to contact me or send me any notice to have this debt verified within the first 30 days is also yet another major violation of Federal Laws. This item needs to be immediately deleted from my credit report or I will file suit against you without any hesitation otherwise and bring against you whatever fines are legally allowed for your many law violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
ATTENTION CFPB : I would like your attention regarding Equifax 's terrible investigative results. They have not verified my disputed account at all, they have not rpovded me with absolutely any results. I have almost XXXX Mortgage accounts, all in perfect standing, with XXXX XXXX XXXX and equifax could not even tel me which account they verified and how and with what documentation. Again, my caner is that this false and inaccurate account is affecting me negatively and has mixed in with my perfect credit report. I have XXXX accounts and it seems like Equifax has no answer as to what they verified exactly. This is why I am conceived that they gave not investigated my matter. Please check my reinvestigation results and see for yourself that there is no proof, no care and no professionalism in the way in which they handled my investigation regarding a misinformed account begging with XXXX ... It is not professional to report this account which is riddled with wrong information, dates and joint signatures information. I am not associated nor responsible for it, but they need to understand that the remaining accounts are indeed XXXX. A joint account was never signed by me, the others are mine. They can not provide my signature nor can XXXX XXXX XXXX, it need to be deleted immediately. Please see that they do not follow the LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/22 I reported unauthorized transactions all from the same merchant ( XXXX ), which I have never done business before, in the amount of over {$10000.00}! I was given ( 2 ) fraud claim ID numbers. One of the claims was for {$8600.00} and the second claim was for {$1400.00}. Not sure why they separated the transactions because they were all reported at the same time. 7 days later they resolved, closed, and reimbursed me for the claim of {$1400.00}. On the XXXX day the resolved, closed, and said unable to pay the claim for {$8600.00}. Saying I authorized the charges. This is totally ridiculous, and been trying to get an agent on the phone for a explanation and to file an appeal. I have had no luck!

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 2016-07-07
Company: Professional Adjustment Corp. of S.W. FL., Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have asked Professional Adjustment Corp to validate a collection they are reporting on my credit reports on XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Im a victim of identity theft someone got my information and used my accounts and even try to open accounts in my name, I contacted each one of my accounts and let them know exactly what was happening,, they had removed all the negative items from my credit report and now its back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: National Credit Systems,Inc.
State: IL
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:
Due to the hardship of covid and losing a job we fell behind on rental payments. We did get assistance but not for full amount needed due to an error on property management not putting correct amount needed for assistance. We now have a collection for {$12000.00} which is showing on XXXX, XXXX, and XXXX. The original creditor is The XXXX  At XXXX, and the collector is : National Credit Systems {$12000.00} Account number : XXXX I have let them know that covid was a factor in this but still nothing. This account is causing undue hardship in being able to find proper housing as it remains on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: EQUIFAX, INC.
State: SC
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 XXXX  Account # XXXX, XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX-XXXXXXXXXXXXXX, XXXX XXXX XXXX  Account # XXXX-XXXXXXXXXXXXXX, XXXX XXXX  XXXX Account XXXX XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXXXXXXXXXXXXXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: Freedom Mortgage Company
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I started calling my mortgage company Freedom Mortgage about refinancing in XX/XX/XXXX 2015 asking what I need to do, what they need from me. after I started the process with XXXX XXXX giving him the information he asked for I went weeks no calls or call backs. after leaving many voicemails I finally got a hold of him he told me my account was transferred to a different rep leaving yet another voicemail for someone else after a couple weeks later to be told someone else had the account. three different people later finally getting a hold of XXXX XXXX who told me my account was closed because they did n't have the paperwork they needed from me which I explained to her I had turned those in to the previous rep who had the account. it was XXXX 3months and payments later she tells me she has to get with a supervisor to reopen it. I called another mortgage company to ask advice they told me I could make a complaint with CFPB. telling XXXX this the next day she called back immediately telling me the account was open and at the under writers. couple weeks go by I call her to hear they need my bank statement I send it another week goes by and she tells me my wife has to write a letter stating I have access to the account and money since it is a joint checking account. then yet another week goes by I call they want an explanation written out why the address on the account is not my house address. I would not have found any of this out had I not called. I was told to get one thing after another and did so in a timely fashion. i finally get everything to them and now XXXX payments later since starting the process its XXXX I am told we are going to get to close the XXXX then they canceled one hour before our meeting because they did n't have the right paperwork rescheduling for the XXXX they canceled again still did not have correct paperwork. they rescheduled for the XXXX and once again called to reschedule for the XXXX still not ready today. I get a call from the title company XXXX XXXX at XXXX they have not received the paperwork from Freedom Mortgage so they are unable to meet us for closing tomorrow. the title company proceeds to tell me they have been ready since XXXX XXXX for me to close however they have been and are still waiting on Freedom Mortgage. I have explained to Freedom Mortgage since day one my payments are to high and I am paying 8 % interest and in XXXX of having this loan my pay off has only moved around {$4000.00}. since XXXX I have been wasting money because it all goes to interest and I explained to them I wanted this done as soon as possible. it was hard to keep up the payment because it is so high and after XXXX I have built no equity due to this issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-03
Company: Waypoint Resource Group, LLC
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: Information belongs to someone else

Complaint:
I am XXXX customer. I have been for the past 5 years. While I was checking my credit report, there was a negative report about a XXXX bill in collections. I called XXXX and they say they can't find the record. From what they see, I am in good standing. So, much so, I have a new account with them. The collection agency says this is from XXXX. The amount is {$1000.00} This same thing happened a few years back. It was removed, because it was not mine. Now, it is showing up again. My credit score is XXXX, but i am getting turned down for electricity service. The reason is the electricity companies are running a soft credit check and they are seeing a utility collection account. 

The collection agency is Waypoint Resources Group XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
See attached. 

Succinctly put Truist has apparently converted funds on deposit ( or at least repeatedly denied me use of my funds ) in my checking account and retaliated against my complaining of such prohibited conduct by pretextually raising false roadblocks to delay or prohibit me from accessing my own funds in my name only on deposit. 

The bank video and audio recording equipment will show this malfeasance.

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 2016-09-16
Company: Freedom Mortgage Company
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We received our annual escrow account disclosure statement from Freedom Mortgage on XXXX/XXXX/2016. They said we have an escrow shortage of {$1400.00}. In looking at the escrow account history we were confused by the way payments were going in and out of our account and why we started off with a negative balance. Our loan was bought out from First Mortgage Corp in XXXX At that time we were informed all escrow was in order during our previous statement. Things started to go wrong with our new company in XXXX with XXXX mortgage payments coming out within 2 days of each other causing issues with our checking account. In researching our escrow history we see our homeowners insure getting paid twice then credited back. XXXX XXXX taxes that had been paid by previous lender were double paid, then credited back and went in and out of our account 6 times! No one at Freedom Mortgage could explain why this happened. In following the trail we believe our account is negative by XXXX of XXXX XXXX tax payments that was taken out multiple times never getting credited back into escrow. Were were told this shortage was an increase in taxes which we knew was a lie because we have XXXX XXXX tax records and it only went up {$260.00} for the entire year. We have been on the phone for a documented 9 hours going around and around with people from Freedom Mortgage who ca n't show us where the money has gone. They are now blaming the old company. We will pay any money that is due, but it needs to be clearly shown to us why. The accounting from escrow account history just does n't make sense, and if our taxes only changed {$260.00} how are we short {$1400.00}. What bothers us is that no one in this company can show us the paperwork. We are making our house payments, but are not including the prorated escrow shortage amount until this get explained to us. We have never been late and are worried this will affect our credit and will accumulate late fees on that amount.

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 2020-03-03
Company: ORG GC GP Buyer, LLC
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I returned 3 phone and canceled service with XXXX on XX/XX/XXXX in person at the retail store XXXX XXXX where I purchased from with the 14 return window I have proof of return and deactivation receipts. XXXX has claimed to not have received phones in there warehouse. I called to let XXXX  know a few times already that I have return phones and they would tell me they would open a case and look into the issue and that maybe the phones where in the mail still being shipped back. Now XXXX has sent debt to a company called GC services. I spoke with them on XX/XX/XXXX and told them the same info and I sent them the receipts by email to prove phones were returned on XX/XX/XXXX. They said they would contact me once they heard back from XXXX. On XX/XX/XXXX I received alert of derogatory remarks on credit report from GC Service. I contact GC Service on XX/XX/XXXX and was first told that XXXX denied my dispute on XX/XX/XXXX I believe and I told the rep I spoke with someone on XX/XX/XXXX to start the dispute so it could not have been denied before that date. She then told me she found a second dispute open with XXXX and they were waiting to hear back from XXXX. I asked for a file number or case number and she said she did not have one to give. I then asked if they problem is still being investigated why have they report me to credit bureau. She said it was not a derogatory complaint. it was just letting the them now a case was open. But I told her it is saying derogatory. I asked her a debt verification for what they are sending in to credit bureau that I owe and she said she didn't have that but could send an itemized bill. I requested that and she said if she sent an itemized bill it would cancel my dispute with XXXX. I then call spring on XX/XX/XXXX and was told there was no dispute open with them. The rep began to open a case to try and locate phones but again would not allow me to send in the proof of return and deactivation receipt.

Company response to consumer: Closed with explanation