BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-15
Company: Lewis, McDonnell & Associates
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sent this debt collection agency a request for validation of this debt on XX/XX/2023. This debt collector has failed repeated requests from me to validate or ahow me some proof this debt was mine and owrd by me. There has been no response. Have made repeated calls to this company, no response. Under Federal Law, FDCPA, FCRA, after receipt of my request for validation, this debt collector is required by law to provide some sort of documentation, cease and desist from all collection efforts and remove this from all consumer credit reporting agencies until I can review any proof given, if any exists. Also, a prior debt collector in attempt to clain this supposed debt, filed suit in court in XXXX XXXX, Iowa and they lost. Yet, here is another still trying to collect a debt already riled not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On Wednesday XX/XX/XXXX I received a letter in my mailbox that said certified mail with out a signature. I also received a package that was not included in my mail even though it had a USPS red stamp. I went to the post office to confirm this and see who signed for it and was told it is still in route and not delivered yet. I also confirmed this by the web site. In this letter they said If I had not made a payment by XX/XX/XXXX, they would put me into foreclosure. I was not even 45 days behind. Virginia law says 120 days. I already had the money so I went to the bank branch in XXXX VA on XX/XX/XXXX and decided to pay what I owed. I handed the teller my ID and asked for XXXX. Cash from my checking account and then asked to pay my mortgage. I gave her the account number and then the look of confusion came on her face. She asked if it was in a different name and then I said I changed my name already with the mortgage company. I had to give her my old Id before she could process my cash payment. She advised me to get my name changed to reflect the XXXX because it is still under XXXX. Why is it still under XXXX after all the XXXX they put me through to change it? The larger package contained 2 sided printed pages. To include false copy 's of my loan. They do not match the font of my original loan and they have added a hand written date to one and deleted names and made changes to the copy 's they sent me. They also said they ordered an inspection of my property, Again my land is posted and unless you have a warrant and the local police dept with you, You are not permitted on my land. It is a violation of my constitutional rights. I have also decided that the only way you are going to stop with the harassment and attacks is to put my house up for sale. I have already taken the necessary steps, and XXXX XXXX XXXX is currently listed on the market. I have a company under contract to handle this for me.

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 2023-07-17
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Citi Bank failed to comply with the XXXX notice period mandated by the 15 USC ( United States Code ). According to your statement, you provided Citi Bank with evidence of fraud, including a police report and an affidavit from the Federal Trade Commission ( FTC ) regarding identity theft. However, instead of addressing the issue promptly, Citi Bank claimed to have sold the disputed debt. 

This argument focuses on the legal obligations that Citi Bank had under the 15 USC. By receiving the notice and evidence of fraud, Citi Bank should have taken immediate action to investigate and resolve the issue. Instead, they allegedly sold the debt, which contradicts the FTC guidelines that state disputed debt should not be sold.

Therefore, this argument suggests that Citi Bank 's actions were in violation of the 30-day notice period as well as the guidelines set by the FTC. It highlights the bank 's failure to comply with legal requirements and resolve the fraudulent activity, thus raising concerns about their accountability and commitment to addressing customer concerns.

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 2023-07-17
Company: General Motors Financial Company, Inc.
State: TX
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 auto loan account with GM Financial has violated my rights. Section 602 of 15 USC 1681 establishes my right to privacy. Additionally, Section 604A ( 2 ) stipulates that a consumer reporting agency can not furnish an account without my written instructions. Furthermore, under 15 USC 1666B, a creditor may not treat a payment on an auto loan account as late for any purpose under an open-end consumer credit plan. 
In addition to the previous information, it is important to note that my request sent in XX/XX/2023 to the credit bureaus via XXXX certified mail, regarding the correction of errors in my personal information and disputes, was never answered. This failure to respond violates the provisions of the Fair Credit Reporting Act, specifically Section 611 ( a ) ( 1 ) ( A ), which mandates that credit reporting agencies must promptly investigate and correct inaccurate or incomplete information upon receiving a consumer 's dispute. The credit bureaus ' non-response is a clear violation of this legal requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Peer Advisors, LLC
State: NY
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
My mother, who passed last XXXX, was on the deed. My step-father, XXXX XXXX XXXX XXXX was not on the deed. I am the executor of my mothers Will. 

The previous loan servicer, XXXX Mortgage, was in the process of adding my Step-father to the mortgage as the Eligible Non Borrowing Spouse through the Mortgage Optional Election assignment program. 

The loan is now being serviced by Compu-link corporation XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OK XXXX We received no notice from Compu-link Corporation concerning this reverse mortgage or having my step-father added as the Eligible Non Borrowing Spouse. The only notice we received was from XXXX XXXX XXXX XXXX of XXXX, VA stating that the house will be going into foreclosure and is scheduled to be foreclosed on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Requested deletion off credit and havent seen any to be removed

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 2022-11-03
Company: EQUIFAX, INC.
State: NC
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 XXXXXX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: CITIBANK, N.A.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Between XXXX and XXXX XXXXXXXX XXXX took money from my CITICARDS CBNA XXXX credit card account. I informed CITI that I did not authorize this transfer of money! They did any way So I closed he account in XXXX over 7 Years ago! 
The account is still on my cred report! of 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 2023-03-13
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: Personal information incorrect

Complaint:
Experian refuses to remove this incorrect address from my report its probably from identity theft. This XXXX, florida address is not mine & never has been. I want it removed. I called them one year ago & they still never removed 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 2023-07-17
Company: EQUIFAX, INC.
State: AZ
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:
On XX/XX/2022 my wallet and identity were stolen. I immediately file claims with financial institutions affected and as well as all other accounts I have. I obtained a new driver 's license and filed an online police report. I continued and continue to have new inquiries on my credit report even though I have placed a lock on my credit. Somehow the thief continues to be able to have access to my credit. Unknown.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Student Loans were in forbearance by the US government until XX/XX/2023. I applied for income based and received the run around until I filed a complaint. Then all of a sudden I got a letter saying I had a payment due that was not there before I complained. Why are my student loans forbearance?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Paypal Holdings, Inc
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
After my account was frozen due to some fraudulent activity, I changed my password ( both on my Venmo account and my associated email address ) and removed all unknown devices linked to my profile. I sent a follow up email and only got an email reply with a bunch of unhelpful articles from them that all basically advised to " Refer to the email we sent you for further instructions, '' but guess what's NOT in any of those articles ... yep, no " further instructions '' outside of what I'd already done. When I tried to call and spoke with someone I was told that the case had been escalated to another department that would reach out to me " within 5-7 business days, '' when I've already been waiting for a resolution for almost a week. The agent escalated the case and stated " HOPEFULLY an agent in that dept. will email you sooner than the 5-7 days. '' I requested to speak with someone in that dept. but was told that they " don't have phones '' and " only communicate via email. '' I've worked at enough call centers in my life to know that that's a lie. There's no way that there's not SOMEONE there that I can speak to that can resolve the issue whether in the dept supposedly handling my case or a manager. I currently work three jobs in order to make ends meet and one of them pays via Venmo, so I can't receive what's owed to me currently ( to pay my bills ) until this is resolved .... god knows when that will happen. If I had another option of getting paid by that employer, you better believe I'd already have done it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: EdFinancial Services
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
( Issue # 1 ) EdFinancial informed that if I enrolled in XXXX, or XXXX- whatever it's called - that my interest rate would go down by 0.25 %. After doing such enrollment, I did not see I reflected in my account that my interest rate had gone down by 0.25 %. Further, when I called EdFinancial about this today XX/XX/2023, I received a call back from them after a wait of more than an hour, EdFinancial then hung up on me once I mentioned the 0.25 % rate decrease issue. EdFinancial must immediately decrease my interest rate by 0.25 % in both representation and in actually not charging that interest.

( Issue # 2 ) EdFinancial has allowed the Department of Education to receive from me a payment of {$8.00}. EdFinancial is writing or speaking nonsense to me when I bring up this payment. EdFinancial must immediately decrease my loan balance by {$8.00} or write to me a check in the amount of {$8.00}. EdFinancial states the payment of {$8.00} was denied due to insufficient funds and it was because we could not accept the method of payment. However, such funds were not returned to me. As I recall, the company which gave me the account/routing numbers to make a payment via EdFinancial was willing to engage in a 3-way call with EdFinancial to assist EdFinancial in locating my payment. However, EdFinancial was unwilling to engage in this 3-way conversation. EdFinancial was uncommunicative about the matter, suggesting they are being dishonest about the location of my {$8.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Block, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2024 I was a victim of fraud using my XXXX XXXX checking account. There was a member to member payment placed in my account in the amount of {$4500.00} from a member that I dont know and never had any sent or received money from. The exact same day and debit from my checking account was done in the amount of {$4000.00} to cash app. I didnt make any transactions at all and have been a victim of fraud but Cash App is not investigating this issue. I submitted a complaint and it was dismissed with no information. They didnt explain how they came to the conclusion just denied it. I also submitted a complaint to cash app serval times but there is no one I can speak with to successfully resolve this issue. Im frustrated because this has turned my life upside down. I need this to be properly investigated. The letters I received from XXXX XXXX as well as Cash App does not show proof that I made these transactions and its sad that they wouldnt provide the proof since theyre adamant on denying my claims. Im upset that there was no thorough investigation done concerning this matter. I want cash app to take the funds from the scammers whos cash names XXXX XXXX XXXX XXXX who both debited my cash app account that was linked to my XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: U.S. BANCORP
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a refinance and U.S. Bank refuse to provide me information on why my application was denied. I started the process last month, I have repeatedly request the lender to provide more information on my debit to income ratio denial to no avail.

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 2023-07-17
Company: Resurgent Capital Services L.P.
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:
I have sent 2 certified letter and several previous written letters to this company. The have failed to send me the contract agreement I have signed with them. I am not aware of ever doing business with them and they and the credit bureaus are committing fraud. I have nothing in writing stating I did business with them. Do to the FCRA this company and all 3 credit bureaus are in violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
XXXX XXXX XXXX XXXX - XXXX - Debtor- Portfolio Recovery Associates took me to court I believe in XX/XX/XXXX. The Judge reset the next hearing for them to provide the necessary documents to substantiate their claim. On the next hearing XX/XX/XXXX they did not provide any documentation that the judge requested. The Judge then filed an order to dismiss their case against me. I have filed multiple disputes with the credit bureaus ( XXXX XXXX XXXX, & XXXX ) providing them with the court order from the Judge dismissing my case. The have elected not to remove the claim by Portfolio Recovery Associates I also contacted Portfolio Recovery Associates to stop reporting debt due to the dismissal from the Judge. They have refused to remove the claim and has changed the date to keep this going on and on which has negatively impacted me for the last XXXX XXXX years. They refused to stop their harrassment to me and affecting my credit. 

I do not know what else to do to get protection from this Company that has lost in court and received a judgment. The Credit Bureaus won't assist me with this issue. I need your help Please let me know what's my next step?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17
Company: BROKER SOLUTIONS, INC.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/23, the mortgage officer at my bank said I had 4 weeks to shop for other mortgage loans without it impacting my credit. On XX/XX/23, I confirmed this information with two different New American Funding agents. XXXX XXXX XXXX promised she would not do a hard inquiry and that nothing would be reported to credit bureau. I did not give XXXX permission to do a hard inquiry, but she did so without my consent. It is reflected on my credit report and has negatively impacted my credit score. This agent was deceptive and misleading and I feel New American Funding is not being ethical or law abiding.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
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:
The problem I have is I had two unauthorized transactions for XXXX XXXX orders I didnt do I had the tracking numbers emailed me I called XXXX reps and spoke to them fave them both tracking numbers they said its for an XXXX order I call the bank a complaint is filed on the XXXX the lady never processed me a replacement card so I waited a whole day and nothing was ever process so I called the second day and had to speak to another rep she put a dispute through another one because she didnt see the one from the XXXX because I wasnt processed another card then she process a card but she did it regular mail so I had to do it replacement express so I had to call a third time my issue is I got a provisional credit for the dispute on the XXXX not the XXXX the XXXX was made but the lady who I spoke to on the XXXX didnt see the dispute so she made me one then a little down the line she sees it and cancels the dispute on the XXXX but the XXXX is still here its now XX/XX/XXXX a week later before I was charged and I still aint get a provisional credit for the dispute on the XXXX they will be taking XXXX dollars back tomorrow but it doesnt make sense how a dispute was easily placed on the XXXX and a provisional credit was already provided the XXXX was cancelled so thats why they taking the provisional credit but I havent received nothing for the XXXX I just keep getting told its under investigation but yet nobody telling me how they process a provisional credit for the XXXX but not the XXXX doesnt make any sense to me and I need to figure this out because I called XXXX I called XXXX XXXX its tiring nobody is helping me with this stuff its frustrating because you think your bank has your back especially when you have issues and stuff but disputes wasnt even properly placed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Amsher Collection Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX XXXX  XXXX I closed my account with XXXX and paid {$130.00} which was my bill due at the time time. I called XXXX in XXXX XXXX  XXXX and asked what my remaining balance was after closing the account and the representative told me {$310.00} which I paid with the rep over the phone right then and there. In XX/XX/XXXX I received yet another bill from XXXX which I'm not sure why and they weren't able to tell me as I owed them nothing and received letters from them saying I owed {$0.00}. They have now sent a debt of {$110.00} to a collection agency and this is now on my credit report inaccurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation