BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-19
Company: CMG MORTGAGE, INC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to get a loan modification from CMG since XX/XX/2020. My father and I are on this loan and my father passed away on XX/XX/2020. CMG told me that they needed a copy of his death cert, which I did provide them. I also gave them updated bank and pay stubs. They then told me that they needed a copy of his will, which I also did provide. I along with a counselor from Neighborhood Housing services spoke to a rep and was told that I now had to get a letter of testementary for my father 's estate. I called back CMG about a few weeks ago and requested to be put on a forebearance. The rep stated she could put me on for the month of XXXX but I will have to call back in XXXX to get additional months if needed. Today I received a letter from CMG and it states that they received the death cert and will be removing my dad from the loan. So, I called CMG to see if I still needed to get papers from Surrogate court or not only to be told by rep that I was NOT on a forebearance at this time, even thought I told her that I have spoke to 2 reps prior and confirmed that I was on a forbearance. Since XX/XX/2020 I have stayed getting conflicting info from this company and they never do what they say they will. I have kept all emails, calls and mailings that prove the conflicting info. I have sent them everything that they have requested. After speaking with rep today she told me that I will have to start the loan modification process all over, and I asked her why they just couldnt open up the one that they denied which I just resent then a month ago! I seriously need him and someone to look into the practices of this company. It is not fair to me as the consumer that I have been going thru this and yet have been doing my best to do the right thing and I am constantly being taken through the ringer with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX XXXX XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXXXXXX XXXX XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$3000.00} and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2016 Balance {$270000.00}.

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 2023-03-24
Company: Prosper Marketplace, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received alerts from XXXX about a debt consolidation loan. I finally looked into it and the loan by Prosper seemed to meet my needs. XXXX XXXX clearly states on their site that preapproval will not affect your credit, although a hard credit report may be pulled at a later time.

I clicked through to provide my basic information for preapproval. I almost immediately received a notice that they could not go any farther in the process, but to try again in 30 days. A few days later, I received a notice from my credit monitoring that I had a new hard inquiry on my credit reports. 
I reached out to Prosper and they sent me a form letter telling me that I had authorized this. I clearly told them, and am telling you now, that I did not. If they are partnering with XXXX, then they should follow the terms that XXXX promises its customers. I would not have clicked through if I had known this, as I was merely inquiring and not ready to apply. 
On the attached info from Prosper on the XXXX website, it says : " Checking your rate with not affect your credit score. ''

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 2022-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 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

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 2021-03-19
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Calvary Portfolio Services already acknowledged fraud and stated they would send out a fraud packet to complete as the original packet wasnt received being sent to the incorrect address : XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX You cant legally acknowledge a fact, then ask a claimant for evidence to satisfy their burden of proof. As with XXXX XXXX XXXX, case number : XXXX is already determined ID theft superseding their internal processes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: Experian Information Solutions Inc.
State: NC
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-03-19
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:
Hello and thank you for reading my complaint! Since XX/XX/2020, I noticed a few errors on my credit report and wanted to dispute them in accordance with the FRCA etc laws. I have noticed these companies have not verified any negative item that I have disputed and yet keep reporting without proof the way the courts recognized.

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 2017-08-07
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I contacted each credit bureau to have inaccurate credit inquiries removed and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: Winklevoss Exchange LLC
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I tried opening my account with the same username and password that I have always have, but it gave me an incorrect password notification. When I went to reset my password with the email address on file XXXX, it never sent a recovery email. So I am unable to login to my account and the password recovery is not working. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I'd like to complain about Capital One Quicksilver Credit Card. 
Capital One Credit Card offers no consumer protection whatsoever. They failed to do any investigation when there's a dispute. 

I purchased 3 airplane tickets on XXXX on XXXX XXXX, 2023 for traveling in XXXX, 2023 for the amount of {$10000.00}. 

E-tickets I received were fake and can not be used when I tried to confirm with the airlines directly. 

I informed the merchant and was told that problems would be fixed. Two weeks later, nothing happened so I asked for full refund. 
I was promised full refund ( in writing ) which never came. 

I have all the communications with the merchant in writing. 

I opened dispute with Capital One on XX/XX/, 2023 and they sent me a letter in XXXX saying that since merchant did not respond, case is considered closed unless they receive correspondence from the merchant within 90 days. If that's the case, then I would need to provide further documents proving my case, which I fully agree. 

In the meantime, I received an email from the merchant telling me that their company was under audit by the airlines so all the tickets were being on hold so can't be used. They asked me to cancel the dispute and they will issue me vouchers for future use. 

All that seemed like scam to me so I refused to be fooled twice. 


I called and informed Capital One on XX/XX/XXXX about the emails merchant sent me and I offered to forward to Capital One but they told me that they did not need any documents from me. So I assume they will do proper investigation and I wouldn't be financially liable for scams. 


Just today, XX/XX/XXXX, I am very surprised to discover that Capital One charged me {$10000.00} again, for no apparent reason. They did not ask me to provide any documents. No email or mail notification. Nothing! The charge just showed up again. 


I am not sure if there's any connection but I did the survey Capital One emailed me and I said I would not recommend Capital One to anyone. 

In summary, Capital One Credit Card offers no consumer protection whatsoever. They failed to do any investigation when there's a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: Arnold Scott Harris, P.C.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A collection company XXXX Harris & Harris XXXX put a garnishment on my salary for a {$90.00} account that was already paid, But the collection company got a garnishment for {$1700.00} and does not want to give back the money they took over.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
LastXX/XX/2021 I've sent documentation for those inaccurate and unknown accounts on my credit report. it's 30 days now since I've sent those but I've never received yet any response. I demand to REMOVE ASAP those accounts or I will file litigation.

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 2021-03-19
Company: M&T BANK CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
M & T Bank shut down account on line since Wednesday XX/XX/XXXX until now Friday XX/XX/XXXX and it is still off Line. Include also any phone numbers/

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: Friendly Finance Corporation
State: KS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have had issues with Friendly Finance Corporation : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX We have requested a full statement several times and even fax multiple request and still no Statements. 

We fell behind on our payment and negotiated a Bi-Weekly payment of {$250.00} which has been deducted several time from our accounts in the last several months. They have constantly reported missing payments on our ( my spouse and I ) credit report and will not supply a statement as to how and if our payments are recorded. 

We are dealing with several agents from friendly finance and the harassing phone calls at work. We have specifically requested both verbally and written for them to stop calling my wife work but they will not stop. They have both our cell phones and prefer to call my wife 's work. She has been reprimanded by HR as they call and introduce themselves as Friendly Finance and asked HR multiple times if the vehicle was park at the office as they would like to know in case they need to repossess the car. 

Friendly finance has continue to harass us - debit and collect payments from us and refuse to give us a statement while reporting missing payments on our credit report. 

We have also called to request a statement as we are considering options to pay off the loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 explanation
Consumer complaint received 2023-04-07
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This is hereby legal notice thereon ; XX/XX/2023 ; I received ; a legal notice from an Experian ; a credit reporting agency ; so stating that Credit line Closed by Credit grantor for my XXXX credit card account no. XXXX ; closed for payment ; in addition I had made in fact several payments long before XX/XX/2023 ; however Experian credit reporting agency is showing that a payment hasnt been made yet ; in addition I never received a bill payment online or in the mail before or after I had made a payment, also I would like to bring my credit card XXXX back into good standings for credit use if possible by making a full payment in addition ; sir-mam after I make the full payment will I be able to use my credit card ; to buy certain items in good standing ; sir-mam you must respond hereafter a 72 hrs. of service of this legal notice as either an affirmation as in fact a denial ; a failure not hereby respond hereto this legal notice ; hereafter a 72 hrs., you as an official for a XXXX will hereby considered as in fact ; an official who has refused to respond as an affirmation or in fact a denial, and your pleading ( s ) as well as the XXXX XXXX  case no. XXXX ; FTC case no. XXXX ; as in fact a claim will hereby become denied and unacceptable ; sir-mam you must hereby service your pleading hereto ; myself 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 explanation