BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-31
Company: CITIBANK, N.A.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I had received an approval for a mortgage I stated I was interested in doing a new construction and was told they will work on. I sent plans proof of payment to the company as well as the company was also sending the loan officer information through emails. Along the process the mortgage specialist was not responding to emails period for weeks on end. When I did or was able we had an understanding that communication will be better to go through the assistance after months of not responding. I was told they needed documentation again I state ok what do you need. I sent emails to mortgage specialist as well as the assistance and no response. Construction company emailed called as well as myself no response. When I check my loan application it was closed without knowledge or communication to myself. No correspondence on why even when I asked, I tried to call no response the construction company tried to call no response either, they just disappeared with no communication to myself. I called their lines through customer service they sent messages no response.

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 2022-01-31
Company: AMERICAN EXPRESS COMPANY
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
AMEX XXXX XX/XX/XXXX {$10000.00} AMEX XXXX XX/XX/XXXX $ XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: FIRST ADVANTAGE CORPORATION
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
First Advantage was performing a background check on me. One of the items that I wanted to dispute was an employment at XXXX while I was on assignment at XXXX XXXX XXXX during XX/XX/XXXX to XX/XX/XXXX. First Advantage wrote the wrong dates for my employment with XXXX. I gave them the phone number to contact XXXX at ( XXXX ) XXXX and to ask for Human Resources and to state that I was an internal employee at XXXX while I was on assignment at XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, California. The First Advantage customer advocacy person at XXXXwas rude and condescending when I told her that they did not have the right dates. I told her that I could do a three way phone call to call XXXX to verify the information. She said she couldn't do that. I then asked her if XXXX could call First Advantage to verify the information, and she said they couldn't do that either. Instead she said that they now have an extra 15 days to verify the XXXX employment information. And that the dispute team can not be contacted by XXXX, and that XXXX needs to wait for the phone call. First Advantage is intentionally delaying the background verification in order to gain more time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: Experian Information Solutions Inc.
State: AL
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:
In XXXX of 2021, I filed a dispute with this credit bureau about UNVERIFIED COLLECTION ACCOUNT on my credit report : XXXX XXXX Account number XXXX. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months and this account still shows under investigation. Under the Fair Credit Reporting Act, your bureau was to have completed its reinvestigation of disputed information within 30 days. This 30-day mark has come and gone without any response from their office. 
. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company as of today. Thank you

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 2021-09-20
Company: T.S. Holdings
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I spoke with IQ Data Solutions to try and resolve an incorrect debt.

I have been transferred to a woman name " XXXX or XXXX '' quite a few times who has been nothing but belligerent and overwhelmingly aggressive in all our phone conversations. She mentioned that I am a liar about them yelling at my under aged child. My daughter answered my phone prior and someone yelled at her and thought she was me just because she doesnt have a child like voice. They have done this several times as my daughter sounds a lot older than she is. 

I have been called out of my name and everything under the sun but a child of XXXX. They have contacted my husbands cell phone at XXXX and XXXX XXXX  which is illegal. My husband and I are at a crossroads and trying to get this debt settled and removed from our credit reports, but this company is relentless with the belittling tactics. This company is extremely abusive, aggressive, and unprofessional. We can not continue trying to contact them and deal with them when they treat us less than human. 

I spoke with the XXXX XXXX XXXXXXXX manager, XXXX and she mentioned that there is nothing they can do because the debt was sold. She said I can try and contact Corporate, XXXX who doesn't answer my emails. There has to be another way to resolve this as I can not contact a company where employees call me derogatory names.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2019-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
This is my second complaint on this website against XXXX XXXX XXXX. The first complaint { XXXX } was issued on XX/XX/XXXX. XXXX   replied on XX/XX/XXXX { case # XXXX } { reference # XXXX } stating they were sorry for their mistake, they were going to have Modification documents sent to me within one week, and they were going to immediately contact all credit reporting agencies to have my false late payments removed from my credit report.

Today is XX/XX/XXXX, XXXX has done nothing. XXXX  is still harrassing me for back payments, they haven't sent me loan modification documents, and my credit is still showing that I'm 90 days late on my mortgage. I've informed XXXX  that I am attempting to purchase a new home, and I need the lateness 's removed. XXXX has assigned me a point of contact by the name of XXXX XXXX XXXX. Mr. XXXX  rarely responds to emails, phone calls, and always indicates the issue of the modification and false credit reporting are out of his hands. He refers me to his supervisor XXXX XXXX. XXXX replies to phone calls and emails even less than Mr. XXXX. The times XXXX  has replied to me, she's made promises to handle escalate the matter to have my modification documents sent to me and fix the credit report, but still nothing is ever done.

If this complaint does not get the issue resolved, I will have to resort to legal action. I will sue for damages, harassment, ruining my credit, and the time it's taken to get this cleared up.

Attached please find XXXX   's response clearly stating this matter would be cleared up within one week, and this was over 3 months ago. Also, I've attached proof of all payments, modification documents, and bank statements showing payments coming out of my checking account.

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 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 XXXX XXXX  XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX  Acount # XXXX XXXX  XXXX XXXX Account # XXXX XXXX XXXX  Account # 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 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 2022-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, aswillful negligence and non-compliance with federal statutes. Please correct or update the account : XXXX XXXX XXXX Balance Owed : {$5900.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
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:
Portfolio Recovery is attempting to collect a debt from me that I do not owe. They list the original creditor as XXXX XXXX  with a balance of {$720.00} from account number XXXX. I have not owed a debt to XXXX XXXX, and I do not have a debt obligation to Portfolio Recovery Associates. 

I have requested validation of this debt from Portfolio Recovery and they have not provided validation. It has been more than 30 days since the second request. There is no contractual agreement between me and these parties that I owe the alleged debt or that there has ever been any transaction between me and these parties that created a {$720.00} debt obligation. 

Portfolio Recovery is refusing to validate the debt by producing the document bearing my signature that has created the obligation to pay them {$720.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: OK
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was contacted from an block number. The voicemail used law eforcement language and threatened criminal charges for not calling back. It also provided a citation type " case number '' XXXX. 

I called and they answered XXXX XXXX XXXX. They stated they were a law firm in XXXX XXXX, California. He told me I owed money for a car I never owned and that XXXX was suing me if I didn't agree to settle. I told him I didn't remember the car and he said the last recorded payment was in 2009 and the car was repoed the same year. 

He kept trying to get me to agree that I owed the money and kept threatening me with wage garnishment, etc. 

When I told him I was done with the call, he told me to expect a lawsuit. As I understand it, Florida has a 5 year statute of limitations and debt collectors are not allowed to pose as law enforcement or make threats of actions they have no legal basis to make. 

I looked online and found countless people sharing similar stories about this exact company or scammer. Someone should look into this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: ENCORE CAPITAL GROUP INC.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Debt collector agency Midland Credit Management ( TM ) sent a 'Final Notice ' to the referenced consumer, regarding an alleged debt for a credit account. In the final notice, Midland Credit threatened a potential lawsuit/attorney review if the consumer did not reply by a certain time ( XX/XX/2021 ). Garnished wages and damages to the referenced consumer 's credit report were also threatened. Midland Credit said that the referenced consumer owed { {$2900.00} }, but also displayed that they were the sole owner of the debt. Midland Credit did not receive permission to communicate with the consumer on any occasion, in any form ( telephone, email, etc. ). Lastly, Midland Credit did not provide the referenced consumer with notice of opportunity to dispute the alleged debt. These are violations under U.S. Code Title 15, Chapter 41. The referenced consumer sent an Affidavit of Truth to Consumer Report Services/Midland Credit Management , as well as an invoice regarding the violations/damage incurred to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: SANTANDER HOLDINGS USA, INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
For some reason today I received a debt collection call from Santander Consumer USA. This was an automatic robo call. Santander, has no reason to be contacting me. Currently, I don't have an account balance with them, and I'm not in collections. Back in 2018, I filed a case against them in XXXX. That account was closed and settled. i have attached the file. After that account was closed, there is no reason for Santander to have my contact number ( XXXX ) XXXX on their records to contact me. First of all, that is a business line, and again I have no outstanding accounts with them. I called the number back and selected the option for them to remove from their system. I don't have any accounts with anyone in collections. So, this company should not be contacting me, and they should not be attempting to collect anything from me, on a closed matter which that was settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: I.C. System, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
IC Systems has been calling me repeatedly from spoofed numbers during the past month. When I call back, all the numbers bounce to IC Systems. The first call was on XX/XX/2XXXX XXXX XXXX XXXX. The second call on XX/XX/XXXX XXXX XXXX XXXX, and the third call on XX/XX/XXXX, at XXXX PM. How can one trust a company that needs to spoof numbers to communicate with people? Please stop your harassment. I do not have debts. I will investigate IC Systems further to discover if this company provides services to any of my former creditors, the companys practices, and history of lawsuits for the same reason as this case. I have included all my creditors in my XXXX XXXX bankruptcy petition and none is IC System. This is a cease a desist. Stop communicating with me. I have never had any relation with IC System. STOP!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: Experian Information Solutions 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:
In accordance with the Fair Credit act XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2019-07-23
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XX/XX/XXXX PayPal sent me a notification that my business PayPal account had been frozen and assets seized for 180 days due to a violation of their acceptable use policy and would send me instructions at the end of this time to retrieve the funds " if applicable. '' This decision " can not be overturned '' the robot tells me when I call attempting to gather informationPayPal will not connect me to a human for customer support any longer. 

PayPal would not specify what the violation was, yet I imagine it is because our company is a legal, tax-paying, registered LLC, California-based XXXX XXXX   company. I am assuming PayPal believes that hemp oil violates their Controlled Substances clause, yet the XXXX Farm Bill did away with that, and prior, we carried ( and still do ) full documentation from the legal hemp oil distributor in CA proving we were not breaking any lawsstate or federaland that our products contain zero controlled substances. 

We have never had a charge-back, nor a dispute, nor is this account high-volume where identities of buyers are hidden to mask illegal activity. We have the records to prove this. 

PayPal is not secured by the FDIC, so we see zero legal reasons for this seizure, and even so, we have seen our fair share of banking issues, but never an asset seizure with no contact information and zero recourse and no access to a human to answer our questions. This is corporate sanctioned thefteven if temporary.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On the afternoon of XX/XX/2023 I placed a total of XXXX banknotes consisting of XXXX {$100.00} bills and XXXX $ XXXX bills. I did not realize that the ATM had a limit of XXXX bills for accepting cash deposits. 

The ATM spit out a number of bills, which I deposited on a second deposit basis. However when I looked at my ATM receipt, I was credited with {$5300.00} instead of the {$6400.00} that I had deposited. I was shorted {$1100.00} by the ATM. I believe that the ATM malfunctioned. 

I immediately went inside the bank and informed the staff, who told me that the branch was helpless to do anything, and I would have to call an XXXX number to file a claim, and I did as instructed. 
More than a month later, I received a standard boiler-plate form letter that my claim was denied after reviewing my account history. 
I have contacted BoA call center a number of times to dispute the finding and to understand how that decision was made. I have not been provided a logical answer. I also emailed the CEO of BOA, and received a call back from the XXXX Escalation office that they would follow up, but that never happened. 
I had hoped that the bank would research the amount of money that was deposited and withdrawn in and out of the ATM in question, to determine if there was indeed more money in the box than the ATM showed. This would require that the actual physical cash in the ATM box should have been reconciled with its electronic readout to determine a discrepancy. Bank of America never did this work.

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 2022-01-08
Company: EQUIFAX, INC.
State: IN
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 have file disputes with exuifax XXXX and XXXX and hitting rock bottom with all 3 like talking to brick wall and credit scores should be in middle XXXX 's not low XXXX never missed any payments and im tired. Of being treated like little child and i refuse to accept a loan from subprime lenders im not Donald Trump and im not made of money credit bureau dont want do anything dispute the errors on my report and refuse to remove hard inquiries i dont recognize i feel i have no choice but contact you i dont know what else to do

Company response to consumer: Closed with explanation