BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-09
Company: CITIBANK, N.A.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have items on my consumer report that are a result of an third party company trying to collect and debt and I have not done any business with them or signed contract with this third party.

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 2023-09-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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 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 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.

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.

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 2023-01-10
Company: Westlake Services, LLC
State: IN
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My loan was sold to this company without my knowledge. When I became informed of it I made my payments so I wouldnt get behind on the loan. But the day after the payment is due, if I have not paid the monthly installment the company calls all hours of the day 6-9 minimum each day, including weekends. I can not get them to stop.

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 2023-10-05
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I currently have a mortgage with Carrington Mortgage Company. I am currently a 100 % XXXX veteran. I live in a state, XXXX XXXX, that offers property tax exemption to 100 % permanent and totally XXXX veterans. I became 100 % on XX/XX/XXXX. In XXXX, XXXX, I followed Carrington 's advice and went to my XXXX XXXX office and Carrington was notified of my exemption. My tax office reimbursed me previous taxes taken out. At that time we emailed and faxed a copy of my Department of Veterans Affairs Award Letter and NJ Tax Exempt Letter. However, it has come to light that Carrington is still paying my taxes out of my escrow, when I am exempt. My Tax office continues to return payment as over payment. It didn't seem like an issue until on XX/XX/XXXX, when I went to pay my mortgage, and there was in increase of {$2000.00}. When I immediately contacted Carrington, they deflected and put blame on Tax office and they would investigate. 
1 week later I contacted Carrington for an update. Once again I was told, " we are waiting on your tax office '' This is not true. I then went to my XXXX office on XX/XX/XXXX and we called Carrington and nobody answered. Tax office provided me with invoice showing that they sent back {$6200.00}, due to over payment. As I have contacted Carrington on 7 occasions, each time I'm told its the tax office.I can not pay my bill, since this issue is preventing me from doing so. I do not believe Carrington is equipped to handle veterans loans, especially in this type of scenario. How many other veterans are getting screwed over.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payments to XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, and XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.

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 2023-09-03
Company: ALLY FINANCIAL INC.
State: GA
Product: Credit reporting 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:
On XX/XX/XXXX i mail a letter to ally financial. because i saw a copy of my XXXX credit report and notice it has an inquiry on with date of XX/XX/2023. i didn't authorize this inquiry. 
in my letter explained that the are in violation of the fair credit reporting act 15 u.s.c. 1681b ( a ) 3 ( f ) ( i ) for unlawfully obtaining my XXXX consumer report on XX/XX/2023 without my authorization or permissible purpose under the 15 u.s.c. 1681 fcra and its guidelines for permissible purpose.

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 2023-05-17
Company: Convergent Resources, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Theyre trying to collect a debt thats not mines from XXXX cable I ask for their original contract, and I told them this is not me, and XXXX refused to move it

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 2023-08-31
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$690.00} ; XXXX XXXX  XX/XX/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 explanation
Consumer complaint received 2023-11-06
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
In XXXX I leased a XXXX XXXX from XXXX XXXX XXXX XXXX, Florida. It was a 3 year ( 36 month lease ). I decided to purchase the car after 34 months. XXXX XXXX of Florida gave me the total cost of the car which included the payments 35 and 36. I took ownership of the car on XX/XX/XXXX. I forgot to turn off the auto payment from my XXXX checking account. An extra payment of {$260.00} was made on XX/XX/XXXX, to Hyundai Motor Finance ( XXXX ). When I contacted XXXX for a refund, they refused. They sent a check for {$220.00} to XXXX XXXX XXXX XXXX, Florida. XXXX then sent me a check for {$220.00}. When I contacted XXXX for the difference, they refused. I am still owed {$43.00}.

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 explanation
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX opened up an account in my name utilizing information that I did not give them approval to use. I have complained on numerous occassions and they keep responding with letters stating that they tried to get in contact with me but they had no luck so they refuse to close the fraudulent account FTC Affidavit and police report are attached

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 2023-01-11
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am the properly authorized consumer and I am submitting this dispute on my own without any third parties, with the intent to not be discriminated against for exercising my rights and applying the federal laws put in place to protect me the consumer. On XX/XX/22 a certified notice was sent to Navy Federal Credit Union in reference of a billing error. Navy Federal Credit Union failed to clarify the billing error, but instead used aggravated identity theft with extortionate means for the collection of an extension of credit. Please see attachment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: FREEDOM FINANCIAL NETWORK
State: NY
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Confusing or misleading advertising or marketing

Complaint:
On XX/XX/23 I completed an online applicaiton with Freedom Debt Relief. I gave them all of my personal information including my social security number. I did not sign the contract because I had questions. I downloaded the application which was incomplete. but I called the XXXX number to get answera before signing contract. I spoke with a female a " certified debt consultant with Freedom Debt Relief ''. I did not catch her name I want to say her last name was XXXX. So I asked this customer service rep about how this works, she did have access to my information because she read off all the creditors, not sure how she received this information. I had a issue with one credit with my cosmetology school and I was to get back with her to give the name of creditor and actual amount due. I also had another question but this one was more concerning. She said she would call me back the next day which would have been XX/XX/23 at XXXX. I never received a call and have not received a call since. I tried calling XXXX back today XX/XX/23 ( XXXX and XXXX XXXX XXXX, and XXXX XXXX. all three times it stated it would connect me with a certified debt consultant agent but was immediately sent to a voicemail stating " my '' debt consultant agent would get back with me. I left a message today stating since no one has called me back as promised and no one is picking up or I am being transferred I would contact CFPB. 

My concern is my the giving of my social security number and how they can see all of my credit information and how they asking for permission to gain access to my creditors and me giving them my social security number they have all of my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The disputed items do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXXXXXX 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 : {$150.00} ; 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  Inquired on XX/XX/2021 ; XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX XXXX Inquired XXXX XX/XX/2021 ; XXXX Inquired on XX/XX/2021 If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-10-06
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: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX SELF-REPORTED XXXX Balance : {$55.00} XXXX  SELF-REPORTED XXXX Balance : {$25.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} XXXX  SELF-REPORTED XXXX Balance : {$15.00} XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX CHEV 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 2022-11-24
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: Brock & Scott, PLLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
WRONGFUL FORECLOSURE AND WRONGFUL EVICTION I am a living, lawful woman whose " real '' property and " personal '' property was stolen, sold, and transferred without my knowledge. My children and I are now homeless ; suffering immediate distress and injury from loss of property. 
experiencing irreparable loss, injury, and damages permanent loss of home and land after the wronged borrower fulfilled and performed all contractual duties loss of personal property wrongful lenders stole private property from violation of breach of contract by the denial of my inalienable AND contractual rights ( of the living, lawful woman ) ; CONTRACT IS NULL AND VOID having only one signature on the mortgage loan promissory note and on the mortgage loan security. MY SIGNATURE WAS THE ONLY SIGNATURE. The bank/lender ( s ) never signed the original promissory note. 
violations of : non-full disclosure ; misrepresentation with fraud ; wire fraud ; identity theft ; identity fraud ; deceptive trading practices ; non-consent ; misconduct ; intentional billing errors ; and more fraudulent short-sale The foreclosure process started in XXXX or XXXX. The private property was sold/transferred to a different lender in XX/XX/XXXX without full disclosure and without my consent. 
In XXXX, debtor/principal/secured party/trustee/wronged borrower fulfilled and performed obligatory duties with several ACCEPTED/ENDORSED payments with consideration to EACH bank and lender with the following : bill of exchange ( {$500000.00} AND {$360000.00} ) ; security instruments/vouchers/remittance coupons ; 1099A ; 1099C ; bill of credit ; letter of credit; etc... along with notices of fraud, contractual violations ( breach of contract ) ; deceptive trading practices, misrepresentation with fraud, wire fraud, intentional billing errors, harassment, identity fraud, identity theft, etc... and more. TOTALLY DENYING MY INALIEANABLE RIGHTS WITH THESE VIOLATIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: ALLY FINANCIAL INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
My rent check, Check XXXX XXXXXXXX sent through XXXX XXXX, was stolen and cashed. I have not been reimbursed this stolen {$940.00} yet. 

I have my rent check automatically scheduled to be sent through Ally Bank. For my rent due XX/XX/XXXX, I scheduled delivery of this check by XX/XX/XXXX. 

On XX/XX/XXXX, right before going to sleep, I went on my Ally Bank portal to just gloss over my account. I immediately noticed that my check was deposited. This was a red flag to me, as my checks are not usually cashed this quickly by my landlord. I also noticed that the endorsement on this check was different from the usual endorsement my landlord makes. Specifically, this check was endorsed with a signature, and not a XXXX XXXX XXXX stamp. For example, Checks XXXX, XXXX, XXXX, XXXX all have the stamp. Check XXXX ( the stolen check ) does NOT have the stamp, and just has a signature. 

With this information, I checked my landlords portal and saw there was a balance still outstanding. I sent an email to my landlord confirming that they had not received my rent check, then went to bed. 

The next morning, at XX/XX/XXXX, I got an email from my landlord confirming that my check had not been received by them. With that information, I went to the City of XXXX XXXX XXXX Police Department to file a police report about this stolen check. The report number is XXXX. With this police report filed, I called Ally Bank to dispute the stolen check. Ally Bank gave me Dispute # XXXX. This means I reported the stolen check in about 14 hours after the check cleared my account. 

On XX/XX/XXXX, I received notification that my dispute was closed, and that no fraud occurred. 

On XX/XX/XXXX, I called Ally Bank and was told that I could not appeal the decision. 

On XX/XX/XXXX, I called Ally Bank again. I highlighted how I filed a police report, and how the endorsement for this stolen check was different from all the other rent checks that my landlord cashed. Multiple agents on the phone recognized that this check was fraudulent. However, all they did was open a new checking account for me, as my old one was compromised. Beyond that, they refused to help me get the {$940.00} stolen from me back.

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