BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-30
Company: EQUIFAX, INC.
State: MD
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:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. It has been over 60 days later and I have not yet received a response. I feel as if I am being taken advantage of and my disputes are being ignored. Section 611 ( a ) of the Fair Credit Reporting Act states that a failure to investigate these items within 30 days provides a reason to immediately remove those items from my credit report it has been over 60 days as a result they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this situation has caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry 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 2020-06-20
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Shop your way citi credit card sent me an offer as the following : Offer : You can earn 10 % back in a statement credit up to a total of {$60.00} each month for every eligible {$1.00} spent in total eligible ONLINE purchases that are made each month to your Shop Your Way. 
Mastercard from XX/XX/2020 - XX/XX/2020. 

During XXXX I did get {$60.00} bonus credit. However, in XXXX I made a purchase at XXXX but I did not get a bonus. I purchased a pair of single sofas, and this product is not sold at the local store, it couldn't be picked up at the local store, either. It's a solely online order and it's shipped to my home directly. The order is {$430.00}, which I should have gotten 10 % of the purchasing amount as my bonus reward. 
I contacted the customer service department several times since XX/XX/2020. 
The customer representative told me that this issue is under investigation. It's been a while, I still do not get the bonus credit back yet. 

I also asked for an online shopping list that can be eligible to shop in order to get the bonus, but they don't have such a thing. 

I still keep the mailer flyer as the evidence to prove their offer/promotion detail.

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 2021-12-30
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I made a purchase online with XXXX XXXX in the amount of {$280.00}, on XX/XX/2021. I then made a payment of {$160.00} that posted on XX/XX/2021. On XX/XX/2021 a Finance Charge of {$3.00} was applied. On XX/XX/2021 a refund for a partial return in the amount of {$110.00} posted back to my account, which left a remaining balance of {$7.00}. That balance was paid on XX/XX/2021, prior to the billing cycle ending. So, at that point the account was paid in full. On XX/XX/2021 a Minimum Interest Charge of {$2.00} was applied to my account, although there was no balance it could be applied to, since the previous balance was paid prior to the end of the previous billing cycle. I contacted Comenity via their internal online Secure Message Center on XX/XX/2021 and the rep refused to remove the incorrectly charged fee. That fee is now in dispute with Comenity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I've written two letters to TransUnion about reporting the incorrect information for my account with XXXXXXXX XXXX  There have been a lot of discrepancies of what they're reporting and what the other bureaus are reporting which is a violation to FCRA requirement as they all should be reporting the same thing. TransUnion has not removed the account from my 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 non-monetary relief
Consumer complaint received 2015-03-22
Company: ERC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX/XXXX/15, Enhance Recovery Company, called my Dad stating that he owed a Debt and to call XXXX and refer to No. XXXX. I immediately checked the company on the internet a found a trail of complaints associated with this company. Next I ordered XXXX credit reports of my Dad 's and XXXX are clean with no collection/no debts. This company is starting to harass an XXXX XXXX XXXX man with a XXXX XXXX. He has lived in his condo for less than a year. The previous occupant was the son of the previous owner who had financial difficulty and I believe Enhance got my Father 's phone number and now is starting to harass him.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-30
Company: ProCollect, Inc.
State: FL
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: Problem with personal statement of dispute

Complaint:
On XXXX my daughter signed a lease agreement with the XXXX XXXX XXXX XXXXXXXX XXXX apartment complex in XXXX FL, I cosigned the agreement for her at that time, even though I realized that the contract was very uncomfortable. My daughter was supposed to move in on XX/XX/XXXX to start the school year at the XXXX university. Covid 19 hit the country by the end of XXXX and then on XXXX XXXX suspended the in person classes for the XXXX due to the Lock downs in the state. We tried to contact the complex by all means available but they did not respond until after the lease began on XX/XX/XXXX. By this time, they sent a letter saying that she was supposed to move in, we tried to negotiate the lease by giving them different options like to pay 3 months in advance and get rid of the contract, to be allowed to posponed the lease for XX/XX/XXXX and thus my daughter will live it for the agreed time, 1 year lease. We also offer them to allow us to pay up to 5 months by monthly payments to get rid of the contract, but none of these was good for the management. As a result, when the contract year ended on XX/XX/XXXX, they send the total debt to collection as expected. The company named PROCOLECT, INC contacted me to collect the debt on XX/XX/XXXX. I sent them a letter in which I requested time to get into an agreement and in less that 10 days they reflected the negative account on the credit bureau which I believe is a violation of the Fair credit reporting act and the consumer financial protection. 
I disputed the account with the XXXX bureau but they found the dispute valid.

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 2016-03-01
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Seterus claims they paid my property taxes but they DID NOT. They keep saying they have fixed the problem and now I have a negative escrow balance that I do not owe. So unless I send extra money they will not accept my payment. I have been forced to pay them and extra {$180.00} so last months payment could get credited. They said it would be fixed within 7 days and now I 'm forced to pay an additional {$90.00} per month until the {$3300.00} negative escrow balance is paid. I have contacted the XXXX and Seterus has never paid any property taxes. I have documentation showing that I paid them I do n't have an escrow acct. I have forwarded this info to Seterus and they said it was handled and now I find out that they still think they paid property taxes in XXXX of 2015 but they did not. They can not produce any proof of payment either. I feel they are scamming me so I looked online and saw over XXXX complaints of similar nature. They are running a scam where they are adding escrow accts and using the money and will never give a straight answer. I have spent several hours on the phone only to be restarted back ant square XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-20
Company: Asset Recovery Inc
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
XXXX XXXX XXXX sent me a letter in XXXX XXXX stating I owed {$540.00} on a service from XXXX XXXX. XXXX XXXX XXXX then explained that this was an error on their part and that they were going to get in touch with my insurance company. I did not hear back from them from that last phone call. I then received a letter from Asset Recovery , Inc. in XXXX XXXX stating they were a debt collector and was attempting to collect a debt for XXXX XXXX XXXX. This came as a shock for me because that last I heard from XXXX XXXX XXXX center they were contacting my insurance company to fix the error they made in billing on their part. After numerous conversations back and forth with Asset Recovery for about 2 weeks trying to explain to them what happened and also trying to make payments to them for it ( and got returned checks ), they then placed it into collections when I was in contact with them consistently and tried to make payments. This debt is now effecting my credit score and it still sitting on my credit report after numerous calls and attempts to pay the debt. Asset Recovery put this debt onto my credit report PRIOR to even notifying me that this debt was in collections. Since this company was not acting in good faith my attorney advised me to pay this debt in full which I have just done.

Company response to consumer: Closed
Consumer complaint received 2016-08-24
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Borrower : XXXX. 
Property : XXXX, NY XXXX. 

I am writing in regards to a property located at XXXX, NY XXXX. The servicer of this mortgage is Rushmore. I am trying to do a short sale on this property which is an alternative to foreclosure or auction. I have submitted a loss mitigation package along with all financials to the servicer 5 months back. I have also submitted a legitimate offer to the servicer as well. Now, we have a sale date coming up on XXXX/XXXX/2016 for this property and servicer is not reviewing our offer and just passing time so that they can auction this property. Please take into consideration of the hardship homeowner is going through. I appreciate your help and attention on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I have requested information and documents from this mortgage company to no avail to the point that it 's frustrating. When I do get a response I am told that the information will be forwarded to me but they do not do so. I 'm on this trend since last year and still do n't have a resolution to the matter. All I want is a billing statement translated to the XXXX language since the mortgage branch is located in XXXX XXXX. The billing statement is to disclose information regarding insurance, property taxes and others.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: ALLY FINANCIAL INC.
State: FL
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:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

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 2015-11-02
Company: WELLS FARGO & COMPANY
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened an account with Wells Fargo only to retrieve cashers ' checks to move into my new place from XXXX to XXXX XXXX XXXX. I opened the account with {$50.00}. The personal banker XXXX XXXX on XXXX XXXX XXXX XXXX never read a disclosure or informed me that a hard inquiry on my credit was going to be pulled. I signed some electric pin pad that I assumed was just to sign for the checking account. XXXX points were taken from my FICO score. 
Since opening the account, I have learned that I have a checking and savings account with a secure credit line, and there is a {$6.00} fee per month that was never disclosed to me until my husband was put on the account. I NEVER asked for these services, I wanted a simple checking account to get cashiers ' checks from my main online bank that I do business with. This account was supposed to be mainly for my husband on the account, for when he moved here. I called XXXX XXXX XXXX times to explain the situation, with no follow up. He stated he would talk with the branch manager. I called XXXX other times and left messages with no result. All I want to do is close my account. All that should have been checked is check systems ; my credit should never have been pulled. I feel I was tricked and deceived.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: Alliant Capital Management LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My sister-in-law and brother-in-law both received a call from someone claiming to be from ACM stating they have received a potential claim forwarded to them attached to my name and ssn. They want a statement from me. The lady said her name is XXXX XXXX and can be reached at XXXX, ext. XXXX. 

I have attached a recording of the voicemail left to my brother-in-law. Both calls to them were asking for me. My sister-in-law answered the phone but stated there was no XXXX XXXX at the number they called, which was her cell phone. My brother-in-law was in a meeting so it went to his voicemail. He never called back but forwarded me the voice mail recording which I have attached to this complaint. 

I do not know what is going on and this is the first I heard of this, but research has shown that this company has shady practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
I received a call this morning from a group that identified themselves as a courier service that wanted to make sure that someone would be available at my home to receive legal documents. 

When I asked what legal documents the person was referring to they let me know that they would have to transfer me to XXXX XXXX who had more information on the situation. XXXX, the representative for XXXX XXXX let me know that Ace Cash Express was seeking a civil suit against me for a remainder owed on a payday loan from XXXX of 2015. 

When I just spoke with XXXX she let me know that her company was not a debt collection company and that was why she failed to let me know that her call was an attempt to collect a debt. It was my understanding from our conversation that she was representing XXXX XXXX in a civil suit being levied against my by Ace Cash Express. 

However, Instead of providing me with just that detail XXXX told me that I could resolve the Civil Suit by taking care of the remaining balance due with a credit or debit card over the phone with her. I gave my information to avoid any further possibility of a civil issue and XXXX told me that the suit would be cleared immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My wife and I currently have several credit cards and an auto loan with Capital One. Ever since Capital One acquired the Walmart credit card account from XXXX XXXX, they stopped offering customers lower interest rate promotions which has made this extremely difficult for their customers. Since we have been significantly impacted by COVID-19, on XX/XX/XXXX, on the date of my due date, my wife and I spoke with a Senior CSR, XXXX who was very friendly and helpful with our present financial hardship. I had scheduled a payment of {$60.00} and XXXX was able to cancel it for us. She advised that Capital One is offering the minimum payment waived for their customers that have been impacted by the virus. She did advise that the reps are updating customers manually and that I might see a late fee which would be credited. Today I checked my balance online, my Walmart Rewards credit card was updated to show the minimum payment was waived however, my Platinum Mastercard was not. My issues began on XX/XX/XXXX, when I used my credit card to buy essential supplies and went over {$8.00}. I immediately made a payment of {$10.00}. Then on XX/XX/XXXX, a late fee of {$25.00} and {$50.00} interest charge was applied causing my account to go over the credit limit again. Fast forward to today, I received a notification from XXXX that this creditor reported to the credit bureau, that my account is over its credit limit. My wife and I have been loyal customers for over 2 years, and have never experienced this type of hardship until now. We are disturbed that my Platinum Mastercard 's minimum payment was not waived as requested and that now my credit score has dropped 10 points due to human error.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Mortgage company failed to provide me with sufficient notice prior to foreclosure. Only notice received was notice of foreclosure which was less than 37 days prior to foreclosure. I did not have time to submit loan modification documents in time nor dispute said debt. Once I was notified of foreclosure date I immediately sent in a complete loan modification package and was told it had to be submitted 37 days prior to foreclosure. Under the fair credit practice act Rushmore should had notified me at least a month prior to foreclosure action to dispute said debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: Stellar Recovery, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX XXXX, my credit report added a collections account for {$100.00} by Stellar Recovery, listing the open date as XXXX XXXX by XXXX XXXX as the original debtor. 

I immediately contacted this company because I have n't had a XXXX account for nearly 3 years. This company is verbally abusive. When I inquired as to what this was for they provided inaccurate information. They advised me this was a prorated balance that was placed on my account as a result of me canceling my services to early. 

When I asked for proof they said they emailed it to me on XXXX and XXXX. I advised that I never received an email or any other documentation. They did not care and demanded I pay the amount. 

I agreed and asked how soon would it take for it to be removed from my credit report. The representative, XXXX XXXX XXXX said it would never be removed from my credit report. 

I have contacted XXXX XXXX. It is confirmed there was a mistake on the cancelation date and that the rep who terminated my services did not put my forwarding address in the account or make any notes like they should have. The balance stated as owed is inaccurate and I have never been provided an opportunity to correct this or pay any amount owed prior to it being placed and adversely effecting my credit report/rating.

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