BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-27
Company: Gusdorf Law Firm, LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX of XXXX, XXXX XXXX XXXX XXXX XXXX and their debt collections attorneys ( XXXX XXXX and XXXX XXXX of Gusdorf Law Firm ) sued me for a {$1200.00} sewer service debt. When I raised fraud complaint with Gusdorf and presented documented evidence of merit to support the claim, asked for the return of the {$1400.00} that was stolen from me by XXXX and Gusdorf Law Firm, they pursued me for an outstanding debt I do not owe and used the civil court to perpetrate and cover up fraud. 

Specifically, XXXX ( via Gusdorf Law Firm ) sued me and ( XXXX ) the writ petitioned the Court for awards in attorney fees, court costs and late fees associated with debt collections EVEN THOUGH, ( XXXX ) XXXX assessed charges for attorney fees, court costs and late fees ( well in excess of XXXX standard monthly late fee percentage of 0.75 % ) on attorney fees and court cost directly to my XXXX account and included the charges in the principal amount of the debt, and ( XXXX ) ADDED additional charges for attorney fees and court costs to the garnishment order, and garnished my wages for same, and ( XXXX ) XXXX continued to assess charges for attorney fees and court costs to my sewer account AFTER the case was settled in XXXX of XXXX. 

XXXX owes me {$1400.00} for excess garnishment and overcharges between XX/XX/XXXX and XX/XX/XXXX. Fraud complaints were filed with XXXX and Gusdorf Law Firm, and both were provided the evidence that support the claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Merchants and Medical Credit Corporation, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I tried to register for classes and was shown a hold from merchant 's and medical. I was told the amount of XXXX was owed for withdrawing from a class. The class was registered for on XX/XX/12 and withdrawn from XX/XX/12 for a Spring semester. I have never received funds for spring or summer semester and have never attended spring or summer classes. I advised them that this was fraud and they told me they WOULD NOT send a fraud packet and that the money must be paid. They continued to tell me they had send out fraud packets and refuse to do so again. They were mean and rude and kept threw it in my face that we were on a recorded line as if I was unaware of what I had said. Now I may miss signing up for classes due to a debt I do not owe and horrible people who are money hungry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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 a victim of identity theft. I filed a police report with the XXXX XXXX Police Department on XXXX/XXXX/XXXX regarding being a victim of identity theft and the fraudulent and unauthorized credit collection accounts and hard inquiries listed on my Trans Union, XXXX and XXXX  credit Report. The police report case number is : XXXX, the following account or collection accounts do n't belong to me : XXXX XXXX XXXX  XXXX, XXXX  XXXX, {$76.00}, XXXX XXXX for {$1400.00} and XXXX XXXX XXXX for {$26.00} and {$74.00}, the following hard inquiries are fraudulent and unauthorized : XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX, XXXX/XXXX/XXXX. I been receiving harassing telephone calls and death threats from representatives from XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX for a debt that 's fraudulent and do n't belong to 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 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. 

Fraudulent items that need to be deleted : XXXX ACCT XXXX XXXX OPENED XX/XX/XXXX AMOUNT {$150.00} XXXX XXXX XXXX  ACCT # XXXX OPENED XX/XX/XXXX AMOUNT {$470.00} XXXX XXXX XXXX ACCT # XXXX OPENED XX/XX/XXXX AMOUNT {$840.00} XXXX XXXX  ACCT # XXXX- OPENED XX/XX/XXXX AMOUNT {$450.00} BANKRUPTCY US DIST CT DISCHARGED XXXX XX/XX/XXXX FRAUDULENT HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NV XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV 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 2018-12-31
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
House burned down in camp fire on XX/XX/XXXX sent my structure check to XXXX XXXX XXXX  ... XXXX XXXX XXXX overnight-ed signed with a letter stating to pay off my loan and overnight my funds back to me ASAP on XX/XX/XXXX ... .as instructed on XX/XX/XXXX by them ... i have been given the run around since no one can verify when i will receive my remaining balance, one person says they received it and processed it on the XX/XX/XXXX even though i have proof it was received on the XX/XX/XXXX as instructed ... they gas light me ... and i was never able to receive a phone call back from a manager/ supervisor for over two weeks after calling daily not only do i have the stress of loosing one home they caused me to loose another in escrow because of this ... now as of Friday the XXXX a XXXX XXXX supposedly a Manager was going to return my phone call today XX/XX/XXXX he verified the receipt of the check ( which was cashed ) as well as my letter asking for funds to be returned to me ... .i get a phone call this morning from some other woman ... .stating there is no request to return funds to me letter ... ..several agents mind you have already acknowledged the letter was there i have a copy of everything as well. I want my money back this Co ... is either keeping my money to earn interest on purpose or is totally no qualified to handle servicing of loans i have emailed corporate filed a XXXX complaint called everyday ... .most i talk to are rude and uncaring and either act like i haven't done something right or didn't follow procedure which is all a form of Gaslighting ....

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 2021-05-30
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have been trying to close a loan since XX/XX/XXXX with Cardinal Financial. The initial rate that was locked for me was 2.25 % ( 15 year term ). We were getting close to closing and underwriting said that I had to wait until I reached 6 months with my current employer before they would approve the loan. I changed employers in XX/XX/XXXX but have been in the same industry for over 20 years with no employment gaps. Once 6 months had passed they increased the rate from 2.25 to 2.375. I was not happy with it but knew it was the current going rate. Since reapplying I have been harassed by their underwriting dept. They've called my employer at least 4 different times verifying employment. They delayed the loan for mortgage statements every month. I've completed conference calls, supplied documentation repeatedly. The last delay is for tax returns because they are so are taking so long to process that taxes became due. Rates have since increased again. I would use another lender but I will loose money over the life of the loan. I've 3 different times asked if they have everything they need and each time they say everything is complete and ask for more information within a week or two. When this started my credit rating was XXXX, & a perfect payment history on all my open accounts dating back over 15 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX I sent a letter to XXXX XXXX stating that I wanted to discharge the debt on due to lack of full disclosure and financial hardship. I also requested a copy of the terms of the loan agreement including any clauses that may be in violation of consumer protection regulations which they have not provided yet. I do know by law that the have 30 days to respond so I'm expecting a response from them in the next week or so. the problem is I assumed that all of the alleged monthly payments would be deferred and would not be subject to any late fees or violations until the matter was resolved. There has been a late payment for this account reported to the credit bureaus and has negatively impacted my credit score. I believe this does not show an accurate depiction of my credit worthiness.

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 2021-12-18
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: Their investigation did not fix an error on your report

Complaint:
Company claims they properly verified and validated info on file for the below listed accounts though they did not respond to certified letters within 45 days time as required They also would not have been able to verify as XXXX XXXX / Consumer was not a secured loan it was an auto loan it also was paid off completely a month ago with no payment due. 

They are showing late for XX/XX/XXXX and XX/XX/XXXX creditor just validated yet again that they provided bureau with notice to remove those on XX/XX/XXXX at XXXX reviewing credit report they were in fact updated for this account on the XXXX as advised however they did not remove the XXXX months in question per creditor request

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 2023-06-20
Company: SAN DIEGO COUNTY CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have called three times and e-mailed three times trying to close my Checking and Savings accounts with San Diego County Credit Union. They refuse to do so. I have attempted to close the accounts all 6 times I've contacted them yet my accounts remain open. I have included pictures of the numerous times I've tried to close accounts via contacting SDCCU. I circled them in blue. You can see this has been going on for multiple months. I am also more than willing to find phone records of when I have called in the past three months to attempt to close my accounts as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this 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 non-monetary relief
Consumer complaint received 2023-06-21
Company: BANCO POPULAR DE PUERTO RICO
State: NY
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 XXXX XXXX act, this company has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions. -Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14
Company: DISCOVER BANK
State: MA
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 checked my credit through XXXX XXXX and noticed a drop of over 50 points. I was looking to see what caused this and noticed that Discover Financial did a hard inquiry yesterdayXX/XX/XXXX without my consent. I have a credit card, a personal loan, and a student loan with them, but I pay them automatically so I have no late payments and the credit card is actually at {$0.00} balance. I am not sure if this was a mistake on their part, but I also don't know which part of the 3 Discover could have done it ( I have to log in to 3 different websites so I think they are all somewhat independent ). Can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$2600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: Freedom Mortgage Company
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband and I have been trying to complete a loss mitigation package for months. The process started back in XXXX or XXXX. We have sent in several mitigation packages and tons of documents that were requested. We have been denied twice, due to the company saying that they did not receive all of the documents. Our most recent try was on XX/XX/2019. We sent a new packet, along with all of the requested documentation. The company would have received this on XX/XX/XXXX. When we called in to check the status, we were told we were still missing documents. My husband then spoke with a XXXX ( ext. XXXX ), whom told us that he found everything and would send it back to underwriting for further review. We receive a letter from the company, on XX/XX/2019, saying that they still need 3 months of bank statements, Year to date profit and loss statement, 30 days of most recent pay stubs. Since we just sent this information on XX/XX/XXXX, there isn't any recent information to provide to this company, as we provided the latest documents. It's obvious to us, that the company is giving us the run-around or the underwriting team is completely incompetent! As consumers, we feel that the possible loss of our home is not a concern for this company, while we have XXXX kids of whom we are trying to provide stability for. 

What's more puzzling is, around XX/XX/2019 we were told that our packet was complete and we would receive a decision within 30 days. Around the XXXX week of XXXX, we then were told that we had to complete a new packet. I am not certain of what is happening in this mortgage company, but we are getting nowhere in trying to get this mitigation completed. I am hoping that this complaint will reach someone in corporate, whom will see to it, that our file is properly reviewed and processed. We have been stressed for months and now with the holidays coming, this matter/this company has killed any idea of holiday spirit!

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 2023-11-27
Company: M&T BANK CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
WheredoIstart?! ForaboutfourdaysstraightIhave experiencedallsorts of negatives. 
BelowisthesituationsI haveexperienced : -Lockedoutofmybanking account'smobileappfor noapparentreason. 
-Lockedoutofmybank account'onlinewebsitefor noapparentreason. 
*Hadtoresubmitsecurity questionsalloveragain. 
-Blockingpurchasesfor suspiciousbehavior, with companiesIhavedone businesswithmanytimes, inthepast. 
-Outragiouslylongwait timestospeakwiththe FraudDepartmenttoget themtounblock purchases. 
-Atwo-waytextalerts featurethatallowsyouto approve ( override ) blocked purchases, whichdid n't work.Finally, afterspeakingtoseveralfrauddepartmentagents, wasfinallytoldthatthetwo-wayalerts wouldn't workproperlyuntil14days. 

Absolutehorriblecustomerserviceexperiences. 
Somethingneedstobe donetofixtheserepulsive customerserviceissues! 

Thanksforyourhelp. 
Takecare.

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: EQUIFAX, INC.
State: KY
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX SS XXXX Balance : {$2400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 reviewed a copy of my credit report and CAPITAL ONE ran an unauthorized credit inquiry on me on XX/XX/2021. 

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact CAPITAL ONE and investigate such occurrence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: EQUIFAX, 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:
Equifax and XXXX are reporting incorrectly that I am an authorized user on the XXXX   XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: EQUIFAX, 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:
I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. I kindly request your prompt attention to this matter. 

*Accounts not verified, Dates Reported inaccurate, Dates of last activity inaccurate, account shows a balance owed on a charged off account.dispute status inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-16
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation