BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-26
Company: Absolute Resolutions Corp.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XX/XX/XXXX, I ( XXXX XXXX XXXX, called XXXX XXXX XXXX to set up a settlement offer for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) in the amount of {$2800.00}. After back and forth negotiations, I thought we had agreed to a {$2800.00} settlement and me making payments of {$200.00} a month, to find out later that XXXX & XXXX had lied just to get account information and to receive payments. I specifically asked XXXX & XXXX to send me a written statement of our agreement. Well, 2 payments later in the amount of {$400.00}, I still have not received a letter stating our settlement offer. Instead, I received a letter stating an amount of XXXX and not the settlement offer of {$2800.00}. I am requesting that the above account be dismissed because several of my FCRA rights were violated. As of XX/XX/XXXX at XXXX p.m. I reached out to XXXX & XXXX again to try and resolve the problem again. I was told this time that they would settle for {$2800.00}, which was more than what was initially agreed upon. {$2800.00} plus the XXXX I have already paid is {$3200.00}, which is still not accurate. I was told this information by XXXX XXXX XXXX XXXX ) XXXX. Throughout this entire process, I have been sent papers, such as legal forms when they were not ; they have threatened to seize or garnish my wages, in which I am unemployed at the moment; and actions such as a lawsuit taken against me and it has in the XXXX XXXX in XXXX XXXX, XXXX. XXXX & XXXX also had the Sheriff 's Department XXXX XXXX XXXX running back and forth to my residence concerning the civil lawsuit against me. Why not put it in the mail? 
All of the above violations have occurred against me, even though I tried on numerous accounts to resolve this account. So, I am requesting this debt be canceled and dismissed due to hardship issues as well as violating my FCRA rights

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check in the amouunt of {$7300.00} on XX/XX/23 into Wells Fargo Bank from XXXX  XXXX XXXX. 

Wells Fargo said that the funds were Insufficient and they needed to hold the check until the XXXX of XXXX. 

My Client said that the funds were taken out last night. When I called Wells Fargo Back and talked to a Supervisor, XXXX, she said the the money is taken out of the account and put into another account where verification is done. It was the second account that said insufficient funds. 

I was under the impression that if the money is debited from an account it should be credited to the account requesting it. 

However, I can not wait until the XXXX to pay for it. I can not tell my bill collectors.. '' sorry you'll have to wait until the 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 2023-01-26
Company: Freedom Mortgage Company
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Good day! 
I am seeking help from CFPB as numerous attempts of calling our mortgage company has not resolved our issue. Considering this as fraudulent, unfair and deceptive practices towards consumers. 

We received tax form XXXX Cancellation of Debt from XXXX XXXX for calendar year 2022. We were initially with Freedom Mortgage and entered in a government offered COVID relief forbearance during the pandemic. After the relief period ended, the lender stated put the total amount due as deferred balance on our loan. Our mortgage was then transferred to XXXX XXXX as of XX/XX/2022. On the mortgage statement with XXXX XXXX reflects the deferred balance which matches the amount on XXXX. 
My question is why would we received a XXXX cancellation of debt when our mortgage statement still shows the amount owed as deferred balance? This amount is not cancelled nor forgiven. 
We have reached out to XXXX XXXX - response received was to reach out to Lender directly. We reached out to XXXX XXXX- no resolution - response received to reach out previous lender. We reached out to Freedom Mortgage- escalated issue thrice- no resolution to this matter. 
We are to file taxes for 2022, and we can not file the taxes unless we are clear on this matter. In my understanding, XXXX cancellation of debt is considered as income - and in this case, debt is not cancelled if it is appearing as deferred balance on our mortgage statement which we still owe. If this debt in actuality is cancelled, we need the deferred balance to be removed from our mortgage and confirmation of the same OR if the debt is not cancelled then a letter confirming that XXXX was sent in error. 
There are significant number of homeowners who were affected and were able to save their homes during pandemic due to help from the Government. Looking into this matter, finding a resolution and clear understanding would assist us and all who were impacted. 
We are requesting help and appreciate your review in this matter. 

Thank you Respectfully. 

Regards.

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 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX XXXX 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

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 2023-01-26
Company: EQUIFAX, INC.
State: NJ
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:
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 XXXX XXXX XXXX XXXX XXXX XXXX. recently checked my report and seen XXXX credit cards along with numerous inquires which is hindering me from getting a vehicle. This is a result of identity theft and would like these accounts and inquires removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
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: Information belongs to someone else

Complaint:
I am having difficulties with buying a house and applying for new credit cards. I paid the charge-off XXXX XXXX ( Opened XX/XX/2017 ) and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting to remove this charge-off from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: MIDFIRST BANK
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I started the loan modification process to resolve being behind and during the process an evaluation was done on my Mortgage. At no time did the modification team communicate to me that my payment would down nearly $ XXXX, telling me only that due to the interest rate increase, that my payment would temain the same. I was not offered any options ( quitclaim deed with FHA, or opportunity to take the lower payment and make up difference/back payments ), and I believe this was so they could collect more interest from my a cou t - a deceptive practice taking advantage of a consumer under financial stress- it is an issue under UDAAP. 
Additionally, when I discovered the reevaluation information and I called I was told a check would be sent for the overage of my escrow but since the modification had been signed there was nothing they could do. That overage check never appeared and dueing the initial call I was told I could NOT speak to a supervisor, but they would request a call back. No supervisor called. I called back again and today was told the escrow overage was used towards my Principal during modification, but on a previous call I was told that escrow funds could not be used towards the balance. More deceptive practices. 
No one seems to know where the escrow funds actually went - I was transferred to several departments all telling me they didnt have that information and another dept would have to answer. 
This is absurd, for a financial institution to not know and be able to tell me where money went! And to intentionally withhold information that may have benefited the consumer for thier own financial gain is disgraceful.

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 2022-03-18
Company: Experian Information Solutions Inc.
State: NH
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:
I was checking my credit report after finding out that 6 companies that I am affiliated with have been breached and while scrolling through I noticed that there is a social security number on my report is not mine and I disputed it and they will not remove it, I did have sucess with them removing credit inquiries but not the ss #. Also there is a ambulance bill on my report that was paid by insurance and they still have not taking it off 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 2023-01-26
Company: EQUIFAX, INC.
State: LA
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 XXXX 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 XXXX ( 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 Equifax data breach and XXXX have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: SinglePoint GI
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received notification from my credit monitoring company that I had a derogatory mark reported. I looked into it and found an open collections account from General Revenue opened on XX/XX/2020. 

I never received any contact from General Revenue prior to them reporting to credit agencies. I did not receive written notification of the debt, nor did they attempt to contact me by phone. Regardless of the validity of the debt, I was never offered the opportunity to dispute or pay the debt before it affected my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please validate the alleged debt and inquiries. Please do not send " verified response as that is not a validation of debt and the inquires. 

Please validate the debt and inquiries by : Providing me a copy of when I sent a written permissible purpose to validate the inquiries. 

Please provide a audit trail for the accounts and inquiries below. 

SEND TO ME EVERY DOCUMENT PERTAINING TO THE ACCOUNTS BELOW THAT YOUR AGENCY USED TO VALIDATE THE DEBT. 

If every piece of documentation can not be provided the accounts and inquiries must be removed from my report immediately. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Credit Card account # XXXX XXXX XXXX XXXXXXXX with a balance of XXXX XXXXXXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-08-30
Company: The Outsource Group, Inc
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted XXXX XXXX XXXX, Operations Manager for XXXX , Inc. XX/XX/XXXX to inform him that XXXX , Inc. had placed an entry on my credit reports that had been paid to the original creditor on XX/XX/XXXX, I also faxed XXXX XXXX a copy of the receipt, and a letter from the original creditor XXXX XXXX XXXX XXXX XXXX Patient Access Manager XXXX XXXX XXXX verifying I had paid the debt to XXXX XXXX XXXX XXXX XXXX . I informed XXXX  XXXX that I never received a bill from XXXX XXXX XXXX XXXX XXXX nor, a collection letter, or phone contact from XXXX, Inc. XXXX  XXXX informed me that he would look into the matter, and that he was forwarding my information to his Compliance Officer XXXX XXXX XXXX . I received a phone call from XXXX  XXXX stating that XXXX XXXX XXXX after reviewing the documentation provided intentionally choose not to remove the entries to my credit reports. I am filing this complaint with your office to provide XXXX , Inc. the opportunity to rectify this matter before I take legal action.

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 2023-01-23
Company: Experian Information Solutions Inc.
State: IL
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/22 I sent a letter to all 3-credit bureau XXXX XXXX XXXX and Experian regarding the inaccurate and unknown items on my credit report. To this day over 30 days later I have not received a response yet. I feel I'm 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 items from my credit report if it's been over 30 days and so, they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress it caused me.

The Credit Bureaus also violated 15 USC 1681 Section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are suppose to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ).

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 2022-06-14
Company: EQUIFAX, INC.
State: CA
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:
n accordance with the Fair Credit Reporting act 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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: Experian Information Solutions Inc.
State: CA
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:
Thank you for taking the time to read this letter, and I hope your day is going well. Im writing because I noticed that my most recent credit report contains a late payment reported by XXXX XXXX XXXX account # XXXX. 

I want you to know that I understand my financial obligations, and if it werent for XXXX XXXX XXXX, Id have an excellent repayment record. I have been a satisfied customer of XXXX since XX/XX/2016. Their outstanding customer service is the reason Ive remained a loyal customer, and Ive always considered it a priority to make all payments on time by setting automatic payments. Unfortunately, I was not aware that XXXX had been bought out by XXXX XXXX XXXX, due to being on military travel orders. I had no access to information about this transition as military members had no contact privileges while on training mission.Upon return from my training, I was notified of the transition and the late payment.I made it certain to pay my dues immediately upon notification. I am concerned about the repercussions of this occurrence as it has an impact on my credit score and hope that my consistency with all my previous payments is enough to prove my reliability. Your records will show that I had never been late with a payment until this unfortunate oversight, and I have been prompt with my payment since the situation was brought to my attention. 

I am planning to apply for Veterans Mortgage Loan and it has come to my attention that the missed payment on my record could impact my ability to qualify. I respectfully request that you apply a goodwill adjustment to remove the late payment from my file. 

Thank you very much for your consideration,

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 2023-11-14
Company: TD BANK US HOLDING COMPANY
State: OR
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
On XX/XX/XXXX I received a letter from TD Retail Services dated XX/XX/XXXX telling me that " A potentially suspicious transaction has been detected on your XXXX  XXXX account and we need to confirm that you authorized all the charges ''. 
I did not open this account or have any prior knowledge of this account opened in my name. 
The next day I received a congratulation letter from XXXX XXXX XXXX with a credit limit of {$20000.00} and the account number. 
I called both companies and reported this as fraud. I was routed to a private home when I called TD Retail Card Services ( baby crying in the background and dogs barking ) The customer service I received from this person was unprofessional and rude. This only heightened my stress about this entire ordeal. 
I filed a case with TD Retail Card Services. Case number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-09
Company: World Omni Financial Corp.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX XXXX I requested Validation not verification pursuant to the fair debt collection practices act, 15 USC 1692g from World Omni Financial Corp dba South east Toyota finance after they attempted to collect a alleged debt sending me a postcard in the mail. I sent a Cease and Desist and invoked my specified remedy as a consumer and the original creditor. I demanded they complete the form sent along with copies of all requested information, assignments and transfer agreements. I told them there claim can not and WILL NOT be considered if any portion of the form was not completed and copies returned. This was notarized and sent certified mail. 
XXXX XXXX I received a response from World Omni Financial Corp stating they have processed my request to cease communications related to my account. They did not return any requested documents or completed forms. They claimed they are not required to do so. 
XXXX XXXX World Omni financial stole my property along with my personal belongings. They unlawfully repossessed my vehicle from my mothers home and disabled my property after processing my cease and desist letter. 
XXXX XXXX I spoke to supervisor XXXX XXXX for the return of my property and she stated they processed my cease and desist. 15 USC 1692c ( c ) ( 2 ) In my cease and desisted i invoked my specified remedy demanding the title of the vehicle lean free and deletion from all consumer reports. I asked Mrs. XXXX why are they breaking federal law by not honoring my cease and desist, she stated they are not breaking federal law. She said they reposed the vehicle and i dont have any rights to get my property back. 
This company and its employees have conspired against my rights as a consumer 18 USC 241 and violated FDCPA laws.

Company response to consumer: Closed with explanation