BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-11
Company: The CMI Group, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L   Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond,  within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE Please delete this account from all 3 credit bureaus immediately. I would also need a copy of your Tax Registration Certificate!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: EQUIFAX, 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: Account information incorrect

Complaint:
This company has been non-complaint in my request ( s ) for verification of an inaccuracy in their credit reporting, regarding an entry being reported under XXXX/XXXX XXXX. 

This company violated federal law and also failed to provide me with a copy of any viable evidence, bearing my signature, showing the said account is being reported accurately. 

I have made several goodwill attempts to have them clear up this matter and they have failed to respond beyond an auto response which has left my request unanswered. 

I have requested that the company validate the reported information with XXXX/XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested with the company in a letter dated XX/XX/2019 that this information be immediately deleted from the credit file they maintain under my Social Security number. The listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. 

I have maintained a careful record of my communications with them for the purpose of filing a lawsuit, they have also been reminded that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( XXXX. XXXX XXXX, XXXX ), they will be liable for their willful non-compliance. 

The company was made aware that they had 30 days to complete the investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I kept careful record of their actions, including their Method of Verification. I also documented with the company at the beginning of the investigation that I did not consent to XXXX or any means of automated verification. 

This company has violated federal law, by not properly investigating within the required timeframe. I have evidence of such, via certified mail receipts, and they must now remove the item. Any other action ( or in-action ) on their behalf will result in a small claims action against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: NAVY FEDERAL CREDIT UNION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was informed by the Consumer Finance Protection Bureau to speak to XXXX XXXX regarding my complaint. Mrs. XXXX has blatantly refused to provide the requested documentation pertaining to authorizations for both the debit and credit card accounts. I have repeatedly requested copies of any any all authorizations for any debit cards and/or credit cards. I have not received the requested information after three to five months of requests. This information is required for me to have XXXX XXXX XXXX XXXX XXXX XXXX arrested for stealing my identity. I can be reached at 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 2019-12-04
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Hello, I was a victum of violent crimes and identity theft and my business was insolvent in the crimes and compromised. American Express was part of the fraud and identity theft and I tried since 2017, to resolve the issues. I had several cards opened in my social including American Express Cards. American Express instead of clearing the fraud they gave me new cards, and I was fighting the crimes.

I could never get to a customer service person or help. I felt like my phone number was going to a corrupt customer service person. Today, I received two statements for my business charges and they should be "  debt discharge '' and I getting huge fees and interest. 

XXXX-One Statement-Business Card-due {$2900.00} XXXX Second Statement-Business Card-due- {$7600.00} I do have a police report and signed affidavit for the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO 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 2017-11-02
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My name is XXXX XXXX and I 'm a victim of Identity theft, Ive attached my FTC identity theft report. I believe that my accounts have been used fraudulently in the past and currently. Can you please check to see if any personal or business accounts are open under my social security number or have been open in the past. if so, can you please close the account and send every single statement to my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In accordance with the Fair Credit Reporting Act the following account has violated my rights XXXX XXXX XXXX XXXX During the pandemic I got into some financial trouble since I had an unexpected lose in pay and was given a lower payment arrangement to help me until I can regain my finances I met every required payment with them, and they still reported my payments negatively as not paid as agreed. Prior to this situation I had never missed a payment and was always on time. It's not fair that my credit bureau has been affected as a result of a situation that was not my fault and I met the payment requirements they put in place. I did try and call them and was advised there is nothing they can do to assist me. I really don't feel that offering a payment arrangement so I can catch up and then still reporting me as not paid as agreed is a fair option, and it doesn't help at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: CADENCE BANK
State: MS
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
As a couple my spouse and I purchased a house. He is on the mortgage, and I am on the XXXX Deed, therefore, I own half the property. We have been divorced for XXXX years and under court order he was to make the house payments and utilities until the house sold. The house has not sold. XX/XX/2021 was the last payment he made on the mortgage. I was in the hospital for 40 days and did not know until I was released that he stopped making house payments and utilities. The mortgage company will not give me any information because I am not on the mortgage and I was told I could not purchase the house because I already own it! They will not tell me how much time I have before having to remove myself and my belongings from the house. They will not work with me on a forbearance or give me time to try to sell the house before foreclosure. I have made XXXX payments, which they accepted and ran through my bank account, but I can not afford to keep doing this. I am XXXX XXXX XXXX and only draw {$810.00} in social security benefits per month after XXXX supplement is deducted. I can not find anything to rent or purchase that I can afford and there are waiting lines for assisted housing. I am going to be living in my car! I need help! I am XXXX due to XXXX, XXXX and XXXX resulting from the XXXX of my son. I am unable to work for any substantial or scheduled amount of time. I feel the bank is discriminating against me since I own half the house, but can not get any help or information from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card
Issue: APR or interest rate

Complaint:
American Express has been stealing money from me for the last 12 month 's through very sneaky, shady, and intentionally devious practices. Over the last 12 months they have manipulated my APR % rate up to 27.49 % while trying to increase by 'extended pay balances ' so they can charge the rate on a higher balance. Year to date they have charged me {$5500.00} in interest charges along with {$660.00} in other bogus charges. All of these unsavory/unethical practices without ever informing that they were doing it. Once I noticed this in XXXX of 2016 they told me they 'd reverse it and NEVER do it again. Recently I balanced my statement and saw that they never stopped and have been doing it all yr. They claim I was late on a payment in XXXX, which I notified them of because of a {$51000.00} IRS tax bill, they told me it was fine and that they would work with me- never once telling me that my APR rate would change. I made all in arrear payments in XXXX and have always satisfied all of my obligations as a 13 yr loyal cardholder w/AMEX. I numerous documented and recorded calls w/AMEX where I have been told repeatedly that I would not be charged this APR, late fees, lose reward points, etc and then they go ahead and do the opposite for my acct and hide it in small writing on my monthly statements in the very back of the statement. AMEX has become an untrusted partner that is surely conducting this type of fraudulent behavior w/many of it 's customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: Finance of America Mortgage LLC
State: NV
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
I was the seller in a transaction that closed on XXXX XXXX. I am concerned that I paid a principal reduction for my buyers of {$1900.00}. Is this acceptable to put in the closing cost for the seller to pay. My contract states " Seller will contribute 3 % to Buyers Lender 's Fees and/or Buyer 's Title and Escrow Fees excluding cost which Seller must pay pursuant to loan program requirements. '' It does not seem right to pay a principal reduction for the buyer. This is not a lender for or a Title Fee. Thank you for your time. 

I am wondering if there is something to protect the sellers when it comes to these types of situations.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-08
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Sent three certified letters to each bureau requesting that they remove the public records provided documents to each bureau

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 2022-05-06
Company: WATERMARK CAPITAL, INC.
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was conditionally approved on a XXXX loan to refinance my existing loans and other debts, but the underwriting department dragged its feet and went past the first lock period, they then informed me that they would extend the rate lock period but they did not actually extend it as they informed me a few days later that the extension had expired and that they could no longer extend the rate or honor the original rate. I believe this is a clear case of greed and incompetence, especially since my original 45-day rate lock-in was at 2.75 % on XX/XX/XXXX, XX/XX/XXXX was the XXXX day at which time I was offered an additional 10-day. On XX/XX/XXXX just three days later I received an email from my Mtg Banker, informing me that they would not honor the rate lock and tried to bump me up to the following rates by paying additional fees : 4.00 % at XXXX XXXX or {$10000.00} XXXX of {$1900.00} 4.250 % at XXXX XXXX {$3100.00} 4.625 % at XXXX XXXX {$510.00} After learning of this I told them that they were unethical and that I would be filing a complaint against their firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We have a mortgage loan with DiTech that was originally with Green Tree. We were in Bankruptcy chapter XXXX for 5 years but made payments to Green Tree and DiTech on our Home Loan. During the five years we never defaulted or closed this loan but Ditech is reporting that the loan is closed on our credit reports. Our bankruptcy was discharged and completed in XXXX XXXX and Ditech will not take us off bankruptcy and continues to report us wrong on our credit reports. I have contacted Ditech at least 13 times over the last years requesting that they take us out of bankruptcy status and report our loan correctly. I have sent them online emails and over the phone and every time they continue to tell me it is under review and will take XXXX or so days to audit.. This has happened for the entire year of XXXX and I can not get them to take the Bankruptcy off our account and report us fairly. Every time I call I get sent directly to their bankruptcy department. Their reporting us to wrong on our credit reports has caused us trouble in getting new loans for home improvement job to replace our XXXX through the XXXX program because DiTech is reporting we had a default and loan closed when we never had an interruption in our loan. After a year of trying to get them to report my loan correctly I have no other means but to try and file this complaint. I am attaching the three times I tried using there messaging system to contact them.. The other ten times was over the phone throughout the year. I have read many complaints about this company and feel they are trying to hold my loan hostage in reporting correctly to credit reports which is having a negative effect on my score.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: World Acceptance Corporation
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I Response to The dispute I Sent out XX/XX/2022. World Finance Hasnt Showed Proof that The Alleged Accounts/Transactions Dont Qualify! Which is False. They still havent shown anything that I Gave them Permission To Report My Nonpublic Information To an non-Affiliated Third Party. Thats identity Theft! Do they know how the FCRA Works and who it protects Im an Natural Person Im an consumer! Your company is in Violation of 15 USC 1692f and its Subsections.

Who are they to tell me their going to keep reporting Fraudulent information accounts will continue to be furnished to the credit reporting agencies ( Agencies ) for a total of seven years from the date of first delinquency per our obligation under the Fair Credit Reporting Act ( FCRA ) If its and obligation then why are you reporting False and Inaccurate information which I dont consent nor give permissible Purpose. Saying that I Allegedly owe is Very deceptive per 15 USC 1692j. ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

I still havent been shown any Proof

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: Lincoln Educational Services Corporation
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Lincoln Tech promised me of getting a job after graduating in XXXX and it never happened. They did n't teach me the proper material and were very unprofessional and condescending. They left me with {$9000.00} in debt with student loans paying with interest on top of it. They did n't teach me the proper material to work in the XXXX field and rushed through most of the material in class we needed to learn for our XXXX field. Alot of students their didnt know the basic material by the time we graduated and alot of people dropped out of school while we were there. They put us in the worst internship environment that we could n't work at cause we did n't know the proper material to work there. Please have the courtesy of resolving this issue by waiving or reducing our student loans there for wasting our 2 years and tax payer money we gad to waste there

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Good Evening, I'm reaching out to you to write a complaint regarding my newly opened account at the City Bank located in XXXX XXXX, NY. 

My account number is XXXX XXXX XXXX and I've been trying to reach my local executive for weeks now, with no answer. I set up the account on XXXX with a man named XXXX XXXX, and even tough he helped me a lot during the set up, to this day I still haven't received my debit card. I tried to reach him several times trough email requesting a new debit card to be sent, and I still haven't heard from him. 

I need to request a new debit card to be sent to my mailing address located at XXXX XXXX XXXX, XXXX  XXXX, XXXX, NY XXXX. It should be the same address on file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act the Accounts XXXX XXXX bankruptcy accounts # XXXX This account is reporting to all three bureaus, XXXX XXXXXXXX XXXX # XXXX XXXX they are reporting to Transunion and XXXX has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation