BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-24
Company: T.S. Holdings
State: GA
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter in the mail in early XXXX from IQ Data International Collections company stating they were collecting a debt that had been sent to collections totalling XXXX by XXXX on XXXX XXXX. We never moved received a notice from the apartments stating this debt was owed in the first place. After contacting the debt collections agency directly and providing written proof to XXXX via email that the billed amount was due to a computer glitch issue and we did not actually owe any further money ( see messages below ), they went forward and reported this to my credit. 

Today, I received a notice that I have a derogatory report on my Credit Report from this debt collection agency that your company hired after providing direct proof to them on XXXX XXXXbefore it was ever reported ( please see the emails below ) stating that we do not actually owe anything. This is a clear breach of the FDCPA laws.

I am requesting that this be handled internally by your office to report that this debt no longer is required as it is now on my credit report and they have been unresponsive to me now after multiple attempts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-11
Company: AMERISAVE MORTGAGE CORPORATION
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I had been pre-approved for an FHA Loan with Amerisave Mortgage and we started the certified approval process. The lender XXXX XXXX sent out VOE 's to my present and past employers which is fine but then he followed up on a separate email with me and both the past and present employers payroll on the same email - sending them all of the email threads we had with my wages from both employers in that email. On top of that the old employer now knows where I currently work and I was harassed while working there and since I left they have harassed me. 

Now I have to worry about the harassments to me and my new employer from the previous employer. and possibly loose my new job. 

Amerisav toldl me the only resolution is to use the lender that messed up everything or go to another bank. They won't give me another lender even after I have paid to lock my rate in and this lender messed up big time!.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The issue is that I have contacted every credit bureau and Informed them that several fraudulent accounts were opened under my personal information. I informed them that I'd been an identity theft victim. I have contacted all the creditors and told them that I'm an identity theft victim, and they must remove the fraudulent account from my credit report. They must remove the fraudulent account and any information about me from their database because I never conducted business with them. However, they have not done anything. I have sent them all the necessary documents, such as the FTC documents they requested for a fraudulent account, XXXX XXXX, and countless other fraudulent charges from my credit report. However, they have left the fraudulent XXXX XXXX and XXXX XXXX XXXX accounts still reporting on my credit report. I have a police report that I went there and spoke with the detective. She's currently handling my case because identity thieves used my personal information, and these fraudulent accounts must be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-19
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
I've had two accounts with XXXX card one dating back to XXXX and one dating back to XXXX. Since, I've had these open accounts with XXXX bank I've never had any delinquencies, no late payments or missed payments and have had a good relationship with this bank. I've gone through my experian, XXXX, and XXXX credit reports and I've noticed incorrect information on my report concerning these accounts where XXXX this account has a late payment on XXXX in XXXX and XXXX that's been opened since XXXX had a late payment marked in XX/XX/XXXX that was 30 days. These are inaccurate, false reporting claims that they are making on my report which is severely impacting my credit to where I am unable to go for a mortgage. As a member of XXXX XXXX  and I still am for 5+ years this is very concerning and I'm very upset to be a victim of this.

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 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
XXXX is reporting closed and charged-off accounts as having current balance. 

still reporting closed and charged off accounts as current late payments accumulating monthly. 


XXXX and other credit bureaus continue to show a debt for accounts that have been closed and charged-off. They are also showing a debt balance that includes accounts that have been totally deleted. 
I have never applied for credit at XXXX XXXX. They have run my credit fraudulently. Please show contract with XXXX XXXX and XXXX XXXX. 

XXXX XXXX and XXXX are selling closed accounts, selling my personal information to XXXX and XXXX funding. XXXX XXXX and XXXX have not provided my with the 1099c when as requested. They have not provided me with a contract validating the debt. And after reporting this to all parties, they continue to violate my rights, working like a money cartel.

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 2021-12-19
Company: MIDFIRST BANK
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Do to Covid both my wife and I were furloughed from our jobs at the same time. My wife returned 8 months later but my position was lost. We reached out to our mortgage company and were put on a forbodence plan. Last month a realtor stoped by my home and wanted to know if I wanted to sell my house because it was on the foreclosure sale list. That was on XXXX. That is how I found out that I was in foreclosure, I didnt get notified by the bank or the attorney until days later. And that was not even done by certified mail it was just by regular mail. I contacted midland mortgage on XXXX I was told that there were a few motifacation programs that I may qualify for I started the process that day on the phone with XXXX badge number XXXX. I was told that all foreclosure procedures would be stopped during the review process. He said that I would get a conformation letter stating that which I did receive. As of today my home is still on the auction list for XX/XX/2022. At this point I am back to work and am able to make payments as per my mortgage agreement. I explained that to my mortgage company and even offered to start paying my payment at which point I was told not to do that at this time.

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 2018-08-20
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
I was added to a Capital One Account as an Authorized User without my consent and do not have the credit card information to get this item updated by removal due to inaccuracy. Even after calling Capital One several times, they could not help. They told be to dispute it with the credit bureaus. Item has been disputed since XX/XX/XXXX to no avail. Also, please note that I currently have XXXX credit line with Capital One with {$0.00} balance with no late ( s ) and excellent payment history and still could not get them to resolve this issue. The account was opened XX/XX/XXXX last activity was XX/XX/XXXX, I am not sure when I was added as an authorized user, but the information has been reported to all three bureaus : XXXX, XXXX, and XXXX  and it is inaccurate. I do not have the credit card number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
This is my 19th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX XX/XX/2022 ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00}

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 explanation
Consumer complaint received 2023-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-06-27
Company: New Era Asset Management, LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
A representative from the company called me and when I called back because I didnt recognize the number stated they were calling me about a loan with XXXX XXXX. I asked him was he sure he had the person and then just proceeded with the call. He stated he had a check I had for a loan and when I asked him to send he said they would but lets resolve the issue. I explained to him i and never heard of him or his company and he then stated they were on my credit report. I told him that was not correct and he then ran an inquiry on my credit report with out my permission. He stated I have given them pro mission and that was not the case because I have never heard of the company. When I told him I was recording the call he then hung up and they refused to answer my calls. I then pulled up my credit report and it was an inquiry for this company on my report. I tried calling them several times and they just sent me to voice mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: LD Holdings Group, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
XX/XX/XXXX will make it one year since I had a Mole Infestation devastation at my XXXX XXXX XXXX it destroys the internal walls down to the Studs. 
I apply for a Mortgage Hardship Program since XX/XX/2023, 10 months now and Loan Depot refuses to give me a modification. 
Its very frustrating because they send out an XXXX whom reported that the XXXX is uninhabitable. 
loan Depot kept with asking for paperwork and bank statements, we kept on producing and reapplying and they kept on abusing their power driving me down the foreclosure route. 
I have XXXX children with XXXX XXXX whom trying to cope and fearful of losing their home. 
Loan Depot keep on playing games, and Refusal to assist with the " Hardship Program for a Disaster that I had no control off. 
This is a Formal Complaint against Loan Depot refusal to assist with a Morgage Modification Program. Taxes & Late fees continue to add up and each department including customer service keeps calling or sending letters of late Mortgage balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: Experian Information Solutions Inc.
State: IN
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:
I try disputing these ( XXXX ) account late payments thru letters and online a total of 7 times this year with Experian, these loans were in deferment, didn't require any payments, I sent Experian the letter of confirmation XXXX sent me saying the loans were on deferement and didnt require any payment. I attatched the letter to this complaint. 

This inaccurate info Experian is reporting, differs from what XXXX and XXXX are reporting because the knew my loans were on deferment.

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 2021-12-19
Company: AMALGAMATED TOKEN SERVICES, INC.
State: ID
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I signed up for a Coinlist account on XX/XX/11 through a referral that offered {$10.00} in XXXX for buying or selling {$100.00} worth of assets in a single trade, subject to a {$20000.00} monthly pool, as long as the trade is made in 90 days. Coinlist proceeded to take nearly two months to approve my account but eventually it was approved and I deposited {$100.00} on XXXX and made a transaction of XXXX XXXX for {$100.00}. This date on the fourth of the month was well within the time period that the {$20000.00} monthly pool was valid. I have not received the referral bonus yet despite multiple messages.

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 2021-05-31
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2014 with a balance of {$1300.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 8th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$830.00} XXXX  XXXX XXXX Balance : {$830.00} ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$670.00} XXXX XXXX Balance : {$1200.00} XXXX  XXXX XXXX Balance : {$830.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1200.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXXXXXX  Reference # : 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 2021-05-31
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I sold some crypto currency for cash on coin base. They were having issues with transactions to XXXX XXXX, the issue has been resolved but still my funds are not available in XXXX and when I try contacting them they keep coming up with different excuses and closed my case!! I still haven't received my funds and can not get a straight answer from anyone or even any communication anymore.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-31
Company: ERC
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: Information belongs to someone else

Complaint:
VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX, XXXX  AND XXXX  CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX  AND XXXX  AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19
Company: Experian Information Solutions Inc.
State: MN
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:
XXXX XXXX Representatives keep constantly calling and harassing me repeatedly about a debt I dont owe and accounts thats not my accounts or debt. I been receiving phone calls from XXXX XXXX Representatives using profane and vulgar language against me, sending me litigation notices of me being arrest, took to jail, and sent to prIson for a debt thats not my debt or account. I am very afraid right now because, I been receiving XXXX XXXX from XXXX XXXX Representatives as well.I fear I might lose my life and die because of the constant harassment and death threats I been receiving. XXXX XXXX has reported the fraudulent debt and accounts to XXXX and Experian, and the fraudulent accounts and debt is currently listed on my credit report. XXXX XXXX is currently in violation of the Fair Debt Collection Practices Act ( FDCPA ) under 15 U.S.C 1692 under federal law. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : 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 2021-05-31
Company: EAST WEST BANK
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
EAST WEST BANK returned two 'so-called ' recalls ( around XXXX USD ) without informing us, also without checking our clear evidence shows the 'recall ' were invalid ( payer took a selfie with a clear statement can easily prove the payers lied to their banks )., which has caused us huge loss. 

Meanwhile, EAST WEST BANK said was going to return the rest of XXXX USD ( regardless we have submitted evidence from each payer 's photo selfie, which shows the payment was legit ). 

If a bank can return a payment like this, how can we trust the bank anymore? How can we guarantee the money in our account balance is belong to us?

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX 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 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

Company response to consumer: Closed with non-monetary relief