BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-10
Company: Freedom Mortgage Company
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a big problem with freedom mortgage im trying to save my home I asked for help from them with a modification I am complying with everything they asked I even have a hud counselar working with me they stated I have something on my title that was about 6 or 8 years ago I was not living in the house that long they stated whats on my title is a judgement for XXXX I paid it years ago I even went to civil court to get a copy the bank is telling me they can not accept it the courts is telling me I have no judgement this is what they can give me I gave it to the bank they are not accepting this was years ago its paid I showed my proof im trying so hard not to loose my home but I feel they want me to I need some help from someone

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 2022-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 2019-08-05
Company: HW Holding, 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:
To whom ever this may concern : In XXXX, 2018 I disputed incorrect information being reported on my credit report by Hunter Warfield. I provided letters to XXXX, XXXX   and XXXX, requesting specific information pertaining to this account. After the investigations were completed by XXXX and XXXX, Hunter Warfield was recently deleted from these reporting agencies. I have made several attempts with XXXX months prior too as well. XXXX  has not yet deleted this information or provided me with the specific information I've requested. I have attached a copy of the letter I provided to all the credit reporting agencies mentioned. I ask that you please look into this matter to have this item removed from my credit report. Thanks for taking the time to listen to my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: ACIMA CREDIT, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I recently got hit with a 30 day late payment from XXXXXXXX XXXXAcima. I been set up on automatic payments from XXXX for a ring that I have never received. I been calling and speaking to reps to assist me or give me a resolution. I received an email XX/XX/2019 stating the ring was ready to be picked up. I never got the ring and on XX/XX/XXXX I received an email saying they verified with merchant and " confirmed '' I took the ring and in the same email they are asking for my mailing address to ship me the ring ... and once i have the ring I can cancel and issue a return. On XX/XX/XXXX I spoke to customer service they said they would investigate and get back to me and they would stop charging me. I been waiting for a follow up call and I haven't heard anything. but I got a late payment for this month, I been getting charged a total of {$600.00} for a ring I have NEVER received.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: AMERICAN EXPRESS COMPANY
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I was provided a corporate American Express card by my employer. The terms outline " You authorize American Express, its affiliates, and licenses to exchange business and consumer credit reports. You may direct us not to share with our affiliates and subsidiaries ... by writing to us at ... .Please include your Corporate Card account number. '' I wanted to talk to someone about this process. I first tweeted at AmEx and they said I should call customer service at XXXX. I did and, when I reached a human, I requested to direct them not to share my information. They said they were n't planning on it and it should be fine because it is a corporate account. I said that since it was outlined in the terms I wanted to direct them to not share my information and wanted it noted on my account. 
The person I spoke with then said they 'd connect me to the department that would be able to do that and placed me on hold. After a hold, they said I should call back at a later time because the queue was too long to connect me to the department and I should just call back later.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-10
Company: I.C. System, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Good afternoon, I am writing to file a complant against, XXXX XXXX, I.C. Systems located in XXXX XXXX, MN. On Friday, XX/XX/XXXX at XXXX XXXX my husband, XXXX XXXX received a call from I.C. Systems. The call as received from phone number XXXX. The caller represented to my husband they were looking to speak with me, XXXX XXXX. I immediately searched the website for a number with I.C. Systems to avoids any scams etc. I made contact with an employee who transferred me to a collection rep. Per our discussion, I was made aware they received a bill from XXXX, and that I owed money, when I questioned and suggested I would speak with my attorney, I was told they could no longer engage in conversation with me and to have my attorney call them. I reached out to XXXX, XXXX and XXXX later that day to discuss the alleged debt. It was agreed the attorney would send a letter on my behalf, ( see attached ). I would also like to add I have received no bills from XXXX and the only contact from I.C. Systems was the call I initiated XX/XX/XXXX. As it relates to XXXX, I switched carriers sometime in XX/XX/XXXX to a competitor, part of the new service they agreed to pay my phone devices in full. I used monies received from the new service provided and paid XXXX XXXX on XX/XX/XXXX. After my payment was submitted I was told verbally no other money was due for this account. Again to reiterate I had no calls from XXXX or notice for any other monies due for this account. I.C. Systems sent me an email which was the only form of communication shortly after my initial contact in XX/XX/XXXX. The attachment received was for me to complete my attorney information, print, sign and mail to I.C. Systems. I also tried responding to that email which popped back and not delivered. I confirmed with XXXX XXXX, Attorney that drafted the letter to the collection agency, date of letter XX/XX/XXXX, no response has been received to his letter. This was confirmed verbally over the phone today, XX/XX/XXXX. I have simply requested to prove this debt belongs to me and provide me the required information as again I was told the XXXX account was paid in full. I confirmed on XX/XX/XXXX that I.C. Systems has now placed a collection on my credit report for an amount of XXXX which is different from the billing notice received which shows an amount of XXXX. I am requesting further action against this collection agency.

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 2017-11-10
Company: Lending Club Corp
State: UT
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:
This is as far as what happened XXXX, I am totally disappointed as this institution has the way to convince take advantage of the money of the parents, my daughter XXXX who attended this Academy from XX/XX/XXXX to XX/XX/XXXX I have not seen any change progress in their Totally deficient math grades, with a totally low grade. The only thing that my daughter was taught was divisions that is not fair. 
They do not have trained teachers or a better teaching method for the student. 
Now they according to their record that my daughter took XXXX hrs those XXXX hrs is nothing based on what? my daughter did not learn anything, I flatly refuse to pay XXXX dollars as the manager told me that I would have to pay that is not XXXX, I am a single mother I do not have financial resources to pay. 
I also want to let you know XXXX XXXX XXXX the manager was a way to make a trap with me when I signed the contract, everything was in English I did not understand the process and signed without knowing what I was doing, I speak XXXX I beg you to have consideration to my request I can not pay the sum of XXXX dollars, I totally reject and I hope not to be ignored by you. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XXXX XXXX 2022 Portfolio Recover called my XXXX XXXX XXXX sisters phone twice while she was in school. I called back to inform them that it was a number belonging to a minor and that they need to put her number on a do not call list. The representative was very rude and uncooperative and tried to get my information instead of apologize and correct the issue. They also frequently called from fake numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name is XXXX XXXX XXXX my SS is XXXX, my DOB XXXX I live at my current and only address XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am trying to purchase a motor vehicle and yes I was denied do to false and inaccurate information on my credit file. The are various names on my report that are not my name XXXX XXXX XXXX is the only correct listing of my name please delete any other variation of my name spelling. My phone number XXXX please remove any other phone number. 
The following addresses are not mine please delete : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I just finish getting rid of fraudulent accounts and wrong information from my credit report with the help of my attorney I do not wish to go through that experience again. 
I DO NOT NEED ANY FREEZE OR FRAUD ALERT!!! I DO NOT NEED ANY FREEZE OR FRAUD ALERT!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: SC
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 XX/XX/XXXX ( Account # XXXX ) 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 an account without written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: IQOR US INC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had an account with XXXX XXXX, but they failed to deliver on their contract. I notified the FTC and the FTC decided I was correct. XXXX has now been sending this bill to different debt collectors, and they keep selling the debt to different collectors. Also, to note I have not received any kind of verification letter in the mail.

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 2019-08-07
Company: HUNTINGTON NATIONAL BANK, THE
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Finance manager submitted incorrect income information in credit application to multiple banks. Due to this error, auto loans were denied and left me with limited choices to choose for the loan. 

Even though the deal was finalized and completed, credit inquiries with dates after the transaction was done have shown up in my credit report when I did not need a loan anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: CITIBANK, N.A.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello DSNB MACYS ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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 2017-11-09
Company: XOOM CORPORATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Problem with customer service

Complaint:
I live in XXXX XXXX. For years I used XXXX for sending money from XXXX XXXX XXXX XXXX My Retirement ) account, now they will not help me. We have bad phone service here, when a representative I assume call services can not hear me, they say goodbye and hang up on me because of bad connections. 

I would like to use their services. 

Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: CITIBANK, N.A.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello DSNB MACYS ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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 2019-06-21
Company: AR Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company AR Resources Inc placed a collection on my file after it has been deleted due to identify fraud. I sent a letter requesting the account to be validated, with proof of my signature on a contract or agreement. The company just recently posted a charge of {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 summited 609 dispute letters certified Mail with two forms of identification asking for validation documentation on this debt ( XXXX XXXX ) asking for original contact with wet signature to verify this debt the bureaus responded with there investigations response they reach out to a third party agency to verify information that it was validated when law clearly states I need information verify this debt in Mail documents not by email and not just they response its complete and no proof of anything!

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 2017-11-09
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Since XX/XX/XXXX. I 've been trying to get a problem with a credit that was n't posted to my account correctly for a promotional offer, to get posted correctly so it would n't show on my statement that I owe money on a deadline that I do n't actually owe. I had it corrected before because XXXX did n't post it correctly. XXXX did and it was a cinch. This time XXXX made exactly the same error but XXXX did n't get it fixed. Instead they sent form letters with generic info in it and that was the end of it. They kept telling me with each call that it would be fixed, apologized too many times, told me they take these matters seriously but still have n't fixed the problem! The amount is above {$500.00} and neither XXXX nor XXXX can get something so simple taken care of. Please see all attached. I 'm tired of calling them spending hours of my Saturday 's on the phone with them to hear the same old same old only to receive a form letter telling me they do n't know what I 'm talking about. It 's become ridiculous and expresses horrific customer service on their part.

Company response to consumer: Closed with explanation