BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-11
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I received a debt collection bill from XXXX XXXX today. I called the company twice today to dispute the debt, and I asked for verification. The first time I spoke to XXXX. She abused and hurt me tremendously.  After disputing the bill and asking for verification, she made the following comments to me: The bill is for $XXXX, even though according to the bill, it is for $XXXX. Then she indicated that I'll receive more bills from them shortly. Then she hanged up on me.  She abused and overwhelmed me intentionally for no reason. I don't know why.  I called right back. This time I spoke to XXXX. She did the same thing. She abused me and hurt me intentionally. After requesting and getting the USCB record ID # from me, she said that in fact there are two bills, and that I'll receive more bills soon. Again, why she abused and overwhelmed me is something I'll never be able to understand and figure out. I called to dispute the debt and I asked for verification. However, she abused me and put me down. What these two young girls did to me are illegal, abusive and hurtful. I believe that not only the company is liable to me, but both these young girls are personally liable to me as well.  I'll not tolerate and accept abuse and torcher coming from two psychotic and irrational teenagers intentionally.  Both of them are personally liable to me for abusing and hurting me.   What they did was illegal and manipulative. They had bad intentions.  I recorded both telephone conversations. Please help me discipline this company and these two abusive representatives. Also, please help me receive compensatory and punitive monetary damages that I am honestly entitled to. Both girls abused and hurt me. Abusive collection practices are not acceptable and emotionally damaging.  Committing manipulation, lying and abusing me is not permitted by law. Right now, I am suffering, hurting and experiencing pain because of them.  I will not tolerate abuse coming from two teenagers. The appropriate  government agency should not tolerate it as well. Please  discipline USCB and both these psychotic and hurtful representatives. Thanks. I would appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
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: Was not notified of investigation status or results

Complaint:
I had a loan through XXXX XXXX XXXXXXXX XXXX, that was not reported on the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: Servion, Inc.
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Servion keeps making payments to home insurance companies ( out of my escrow ) that I am not doing business with. Last year, the same thing happened. I go out and get quotes, next thing I know, I get notices in the mail that Servion has sent out a bunch of money from my escrow. I did not approve this change in insurance or tell Servion that I was changing insurance companies. This is a big problem because It takes FOREVER to even get someone on the phone to get corrected. I have been on the phone with Servion for 2 hours tonight and no one can get this straightened out.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We recently completed a loan modification on XX/XX/XXXX which included calculations of escrow payments and detailed evaluation was completed prior to the loan modification being completed on XX/XX/XXXX. We initially turned our loan modification paperwork into Rushmore in XX/XX/XXXX and tax bills and insurance information was gathered by Rushmore and confirmed by both the XXXX XXXX XXXX - XXXX XXXX and XXXX XXXX XXXX XXXX XXXX who sent a bill to Rushmore Loan Management Services and information was readily available to underwriting during this 7 month period, prior to our final loan modification being approved on XX/XX/XXXX. Prior to the final loan modification being completed, we made 3 trial payments of $ XXXX and received a revised loan modification packet on XX/XX/XXXX which included our initial payment due on XX/XX/XXXX for {$4800.00}. We signed and notarized the finalized modification paperwork on XX/XX/XXXX and returned per requested by Rushmore LMS via the XXXX package provided. We were told this would be our new payment going forward. However, on today XX/XX/XXXX, we received a letter in the mail from Rushmore LMS stating our payment is now {$4900.00} which is a total Bait & Switch from the loan modification contract signed on XX/XX/XXXX. Also, as mentioned earlier and within the loan modification paperwork attached the principal, interest, escrows ( taxes and insurance ) were all part of the newly calculated payment of {$4800.00}. Therefore, our payment should not be going up this quickly after signing a loan modification with first payment due in XX/XX/XXXX for {$4800.00}. This is illegal bait and switch discriminatory and greed tactics exhibited by XXXX and XXXX XXXX XXXX XXXX. They are taking advantage of U.S. Veterans and XXXX Minorities. We just signed the paperwork and they are also causing haphazard misrepresentation and false advertisement regarding loan modifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
After reviewing my consumer report I noticed a suspicious account and I need the account to be validated. According to 15 U.S. Code 1692 ( a ) " There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. " So, I need this alleged debt that is on my consumer report to validated.

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 2018-04-24
Company: Lendmark Financial Services
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Loan payment wasn't credited to your account

Complaint:
In the month of XXXX, I opened a loan on an existing account.My initial invoice noted 'please pardon our progress'..we are not able to include your balance at this time. ' I continued to pay the invoice in good faith fr several months. I then called and reminded the creditor that it is legal bussiness practice to include my payment as well as the future balance with the payment deducted ( past balance ). I reminded the csr that I was sure that when he paid his personal invoices, this information was included. He agreed.Asking for patience with the company update, I relented. Six months later, The representative tried to get me to emphathize with their company 's struggle with thier system. I adamantly replied that I pay my invoice on time and noone from her company concerns themselves with my struggles. I pay the invoice on time ... Every Time. Please review my payment history..over 26 years. This company has changed hands twice since XXXX  when I initiated a bussiness relationship with them. At this point, I have not received a balance in a year of payments. So, I am not prepared to pull out the initial Loan agreement from XX/XX/XXXXand then pull out check ledgers to find my own balance, only to have this company dispute my math or interest calculations. This is not a reasonable requirement of me. I also refuse to call every month for a balance. In America, if it's not on paper, it holds no weight.At this point, I refuse to pay this company until it provides me with a record of all payments, deductions and balance calculations for every month of the Loan. This will circumvent any descrepancies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: Capital Accounts, LLC
State: UT
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 have already disputed this account and Capital Accounts sent a letter stating, that they have closed the account and submitted a request to all three credit bureaus : " Dear Consumer, Thank you for contacting Capital Accounts , LLC via the portal regarding your account. We have paused collections on your account while we investigated your allegations. As a matter of courtesy, and solely in an attempt to reach resolution of your concerns, we have proactively closed this account in our system and returned it to your original creditor. You should receive no further communications from us on this matter. Additionally, we will submit a request to all three credit bureaus ( XXXX, XXXX, and XXXX ) to have this account deleted from your credit report. Thank you for allowing us the opportunity to respond to your concerns. Capital Accounts , LLC '' The account is now showing up on my credit report again. The original complaint number is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am not liable for the debt from the third company hunters warfield inc. the original contract was never received. They have been unsung communication tactics and threaten to take legal action against me. I never received proper written notice from the original creditor therefore I am not liable for the debt owned from someone else to this company. I do not own this debt to hunter warfield inc. they are a third party collection violating my rights to not furnish any accounts without my consent. 


In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : # 8769128, 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: EQUIFAX, INC.
State: NC
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Closed a business account and a personal as retaliation for filing a complaint with your agency. The business account was just opened. Immediately after filing a complaint my accounts were closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX TOL - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX TOL - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX  on XX/XX/XXXX ( Reported Identity Theft )

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 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I reached out to transunion like months ago to resolve this matter. Apparently there reporting an account with XXXX  that does not belong to me and im asking for a removal of the account. As a matter of fact transunion removed the account and illegally reinserted the account XXXX XXXXXXXX I've mailed them documents previously

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 2021-08-30
Company: Experian Information Solutions Inc.
State: TX
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:
Experian responded to my complaint indicating that they need " authorization ''. So I called their consumer services numbers at ( XXXX ) XXXX XXXX and ( XXXX ) XXXX. Both did not provide me with human customer service. Instead I was given only two automated options and a statement that said " I can not connect you to any specialist right now ''. How am I supposed to given " authorization '' into a existing dispute when I can not speak to anyone? This is unacceptable. I have been disputing these accounts with them for over 45 days. by law they are required to delete the items I have mentioned.

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 2021-08-30
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I've tried disputing with capital one on more than three occasion but they keep reporting me late for the past 16 months although I have a written agreement with them

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2018, I deposited a money order in the amount of {$1000.00} into my savings account. After checking the balance, I realized the transaction did not show at all. Immediately I contacted the customer service department and I was told a temporary credit for the amount of my deposit will be effective until the issue is resolved. 
The next day I received a phone call from the branch where I made my deposit ( XXXX, New Jersey ). I called back and spoke to a representative who told me my money order was 'found ' on the floor by a customer. They made the necessary research and contacted me to let me know what happened. I advised them that I already reported the issue and a credit was processed to my account. I also confirmed with the representative who claimed they will proceed to contact the department handling my concern, that the money order was verified with them, in order to justify the credit processed on my account. At that point I thought everything was resolved. 
Today, I received a letter dated XX/XX/2018, that states the investigation is completed but they are unable to honor my request? I immediately called the number stated in the letter, where I was transferred to XXXX ( supervisor-team XXXX ). This lady just confirmed the lack of customer service skills and the overdose of attitude that she was unwilling to help me with this issue that was out of my control. 
I need a solution asap.

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 2023-07-04
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently tried getting it removed with XXXX because these account are also reporting wrong on my account. 
they ignored me and said there was nothing they could do because the account was in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: Experian Information Solutions 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:
I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-12-30
Company: Experian Information Solutions Inc.
State: TX
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:
Experian will not give me a credit score. I clearly have a lengthy credit history. I have addressed this with them and have not received a response. Because of them not scoring me I have been denied credit. I was even denied credit to try to buy the home I was living in and because of no score I was not able to even get help for people with poor credit. It has rendered me and my daughter homeless. It continues to be an issue most times I apply for credit because I get denied for lack of score. Which has made it still difficult to find housing. I am still homeless and creditless.

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 2022-05-03
Company: ENCORE CAPITAL GROUP 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 have no knowledge of this account, and is going to be in litigation. 

PLEASE REMOVE ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Experian Information Solutions Inc.
State: MI
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 Account # XXXX, XXXX  XXXX XXXX  Account # XXXX. XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX. XXXX XXXX Account # XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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