BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Noticed several unauthorized inquiries on 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 explanation
Consumer complaint received 2020-03-30
Company: Selene Holdings LLC
State: WI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
This situation goes back more than a decade, we had used CFPD in the past and found what we believed at the time a reasonable agreement. 
We had two loans with CitiMortgage a first and a second. We faced them in court on the first mortgage and they decided to drop the first and clear the title to the loan. They then added a {$200000.00} " corporate loan '' to the second mortgage. That is where CFPD stepped in and the processor at the time agreed and stated the amount due {$72000.00} was the new amount but that was not the payoff amount. That is the deceptive part of the process. After agreeing to remove the " corporate loan '' we began making payments. What was no disclosed in the agreement was the total amount owed? It turns out every time the loan processor was changed along came thousands of dollars in fees to my wife and I. It is not clear if the interest on the " corporate loan '' was ever removed. 
We did hire XXXX XXXX to look into the matter and paid for his services. As he was dealing with the mortgage companies we were running out of time so he suggested we file bankruptcy to allow us to continue our process. 
Nothing has changed from the mortgage point of view other than an offer to pay a 40-year mortgage and owe a balloon payment of {$100000.00}, which he suggested was a good deal because we'd likely be dead before the balloon payment was due. 
The second mortgage started out at {$75000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: EQUIFAX, INC.
State: DC
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I Sent my letter off on XX/XX/2023. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate.

And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 
Accounts XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # 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 2020-02-15
Company: Klima, Peters & Daly, P.A.
State: NY
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:
I was not properly served and no longer live at the address that the courthouse has for at least the last 7 years. My ex mother in law called me about a month ago stating that she had received from the courthouse with my name on it and if I wanted her to open it. Otherwise I would have never known. I tried calling the law office of peroutka and peroutka to figure out what was going on. The lady that answered the phone was very rude and unempathetic. I asked if there was any way to stop this wage garnishment that had gotten approved 8 years later and told me that the only way to stop it was to pay the amount of almost {$2000.00}. In the last 8 years I have not heard or received anything from them at all and she was also going to send me a copy of the judgement to my current address which I still never received nor a copy of the wage garnishment. I am a single, divorced mom that has bills and expenses to pay for a teenage daughter and is going to definitely cause a financial hardship. I also currently have 2 credit cards currently with XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: ENCORE CAPITAL GROUP 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: Old information reappears or never goes away

Complaint:
Midland Credit Management placed a negative debt tradeline on my credit on XX/XX/2021. This is a collection debt that was purchased by Midland Credit Management, but they keep applying it each month, as if I've agreed to pay it, or as if it's an open credit debt. From my understanding, a debt creditor is only allowed to put a negative tradeline debt collection on my credit reports once. They are reporting it as new on my credit every month and it has greatly affected my credit. Over the last 6 months they keep submitting it to the credit reporting agencies as a new negative tradeline. 

The most current negative mark from Midland Credit, is XX/XX/2021. 

I have not received any letters from Midland Credit Management. Nor have I made any agreements to make payments with them, or opened an account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2020-02-15
Company: AES/PHEAA
State: MN
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:
I need help with my Federal Student Loan Servicer. They are not correctly applying my payments towards my PSLF. I've been in repayment since 2015 on IBR and REPAYE and working for a non-profit educational institution. I sent them two PSLF documents verifying my employment, and they are claiming I only made 15 payments over a 5 year history. It's been so frustrating they I've resorted to unprofessional means of sending multiple emails a day, angry in tone and admittedly with foul language. I also submitted a request for a legal last name change that they never responded to or updated my account. I'm ready to just default at this point. What is the use of working in public service and watching your debt just grow and grow and grow. It's almost as though they are intentionally NOT processing these applications. I have done everything asked of me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-13
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
For over two years, I have had a auto payment set up for my rent with BB & T Bank for {$850.00} to a family member 's corporate account that owns the property. Payments have been sent automatically without a problem until I was notified by my family that three ( 3 ) payments were received for XX/XX/XXXX on XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX. When I investigated why three payments were made in XX/XX/XXXX, I discovered No payment was made for XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX. I realize BB & T has been merging with SunTrust to become Truist Bank ( which was finalized in XX/XX/XXXX ), but all my other automated payments with that checking account have been fine. I contacted the bank and spoke to XXXX and explained I maintain a balance of {$12000.00} - {$17000.00} in that account at all times, so funds were available. I never received anything from the bank that there was a problem making the payment. Then the bank takes three ( 3 ) monthly payments in the month of XXXX, again without notifying me they would be doing so. If my rent payments had not been going to a family corporate account, I could have been served an eviction notice for non-payment. Then to take three payments in one month from my account without notifying me they were going to do so could have resulted in numerous overdrafts charges if I did not maintain such a large amount in my checking account. All I wanted was a letter from the back stating why this happened, that it had been corrected, and this was not due to any fault of myself. I was told this could not be done. Nor could XXXX explain why it happened or if it will happen again.

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 2021-08-19
Company: BARCLAYS BANK DELAWARE
State: NY
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

7. Identity Theft XXXX  Account Number : XXXX This is not mine. 

8. Identity Theft BRCLYSBANKDE Account Number : XXXX This is not mine. 

9. Identity Theft BARCLAYS BANK DELAWARE Account Number : XXXX This is not mine.

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 2023-02-13
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My complaint is against Wells Fargo, Home Mortgage. In XX/XX/XXXX, at the end of the forbearance period, I verbally requested the deferral option. XXXX has refused to grant me the deferral option I chose to exit the Covid forbearance period. I requested help from XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX  ), a HUD-certified housing counseling agency , and they wrote a letter of advocacy to Wells on my behalf. In the letter, XXXX pointed out that I could choose the exit option to the forbearance period. 
In the letter to Wells on my behalf, my HUD Certified Housing Counselor cited " NY Banking Law under Title 9X Mortgage Forbearance. " Senate Bill 8428 2020 N.Y. Laws 126, as a reason I should have been granted the deferral option. 
In response, XXXX seems to deliberately misrepresent my request for the forbearance exit with a request for delinquency assistance. They further stated without indicating a reason, that I was not eligible for a deferral as a forbearance exit. 
In XX/XX/XXXX, I resumed making payments based on my belief that the deferral option I asked for was in place. I noticed those payments did not appear to be applied to my current balance ; I sent XXXX my forbearance option request in writing on XX/XX/XXXX. In XX/XX/XXXX, XXXX returned my monthly payment, indicating that they would no l longer accept payments from me and that my home was now in foreclosure. 
I am filing this complaint as in a follow-up call XXXX seems to feel that a private owner of the loan has the right to deny the option I chose, and that right supersedes the law.

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 2023-01-05
Company: Radius Global Solutions LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
repeated texts from XXXX XXXX XXXX XXXX XXXXXXXX texts say : " Please contact Radius Global Solutions LLC at XXXX Regarding Reference # XXXX Important Rights : XXXX XXXX STOP to End texts '' Internet research shows Radius Global Solutions LLC is a legitimate debt collector XXXX, Minnesota. It's a misleading and worrying tactic. Ive send a message from the " contact us '' page on Radius Globals website.

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 2022-04-12
Company: RICHLAND HOLDINGS, INC.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
AcctCorp of Southern Nevada XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, XXXX, NEVADA, XXXX ( XXXX ) XXXX XXXX The collection company above garnished my wages without any formal notice. They claimed they served my address but later I found out they served my sister 's ex partner 's address. They were not living together during the time so I was not notified. I have proof of the address I was living in during the time they " served '' me. I was living with a friend while I get back on my foot. XXXX should have record of me as a resident. 

I found out my wages were garnished on payday. When I called, they said they could not help reverse the garnish. When I emailed them, they said they can not reply back, they didn't call me to let me know. I had to call back days later. They claim they can not communicate in writing. They did not allow me to record the call. If I was to record, they " have to hang up. '' They are ruthless and rude. 
My ex had an XXXX XXXX account under my name and owed {$1100.00}. I end up having to pay over $ XXXX to close the account. They wouldn't allow me to settle, I had to pay the full amount. I asked to start a payment plan since I wasn't able to make a living. I was a 100 % commission-independent contractor. The company that I was working for allowed me to borrow {$60.00} a day ( " Draws '' ) until I make a commission but Account Corp was garnishing the wages. Some commission finally came in to help but due to the garnish, I was not able to pay my IRS tax and had to push it back. 
I visited the XXXX XXXX to ask " my '' account rep, XXXX, if I can do $ XXXX payment, but she denied it. 
I finally got the account closed XX/XX/2021, I asked if there's any way they can help me settle. They agreed to settle for an amount after all. Even though, they told me XXXX that their firm does not offer settlements and that they are not " that type of agency. '' P.S : I did not receive any receipt of any of my payments or payoff.

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 2023-02-13
Company: TD BANK US HOLDING COMPANY
State: GA
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:
TD BANK USA/NORDSTROM XXXX XXXX has violated my rights as a consumer. Congress makes it clear that I have a RIGHT TO PRIVACY as a federally protected consumer! TD BANK USA/NORDSTROM XXXX XXXX has violated and disrespected my right to privacy which is a direct violation of the FCRA and the Gramm-Leach-Bliley Act! I did not consent or authorize TD BANK USA/NORDSTROM XXXX XXXX to use or share my nonpublic personal information. I am asking TD BANK USA/NORDSTROM XXXX XXXX to Cease and Desist all communication through any and all mediums unless it is for a specified remedy that I am invoking. The term communication through any and all mediums would be telephone, email, social media, and any consumer report. This notice is pursuant to 15 USC 1692c. The term communication pursuant to 15 USC 1692a ( 2 ) means the conveying of information regarding a debt directly or indirectly to any person through any medium. This alleged debt is reporting onto my consumer report which is a form of communication and I demand this account be removed. This is also a direct violation of 15 USC 1692d ( 1 ) as my consumer report is my reputation and because this account is being reported with late payments which is a violation of 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose and causing harm to my reputation, I am entitled to compensation under 15 USC 1692 ( k ) of monetary relief of { {$1000.00} }

Company response to consumer: Closed with non-monetary relief