BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-27
Company: TRANSWORLD SYSTEMS INC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/2017-I was called early in the morning to ask if I wanted to pay my balance to XXXX XXXX XXXX. I told the representative that I was working with the XXXX XXXX company directly and she proceeded to talk loudly and tell me no ma'am that I absolutely cannot do that and I am in collections so I will not be allowed to go through the original creditor to pay my debts. I calmly told her I actually have went through them(original creditor) set up a payment system with them and She continued to argue by which I just wished her a good day and hung up on her. I will not be talked to like a child and called a liar pretty much. It is my money and I will pay my debts to the original creditor not be told I cannot do so. On top of this I am being charged an outrageous amount for a fee through TSI. Also, they have talked to me this way before when I have spoken with them rudely and demanding payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: Better Mortgage, Inc.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I would like to report Better Mortgage and XXXX XXXX for false and misleading advertising. Both XXXX and published no origination fees over multiple websites and specifically XX/XX/ I proceeded to apply for pre-approval to refinance a conventional loan based on the XXXX XXXX article. I've attached the initial disclosures and redacted my personal information. I have excellent credit and little to no debt. Origination fee was 6.183 % and the interest rate was 4.375 %. This is just blatant misrepresentation and false advertising on the part of both XXXX and XXXX. I obviously do not plan on proceeding but I would like to make the CFPB and FTC of these deceptive practices in hopes that it XXXX prevent other consumers from these deceptive tactics that could lead to a consumer spending thousands of dollars unnecessarily.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX XXXX XXXX  # XXXX is reporting a debt I do not owe. This account is past the statute of limitations in Utah and should no longer be on credit. I do not owe this debt and it should be removed.

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 2019-07-16
Company: Experian Information Solutions Inc.
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:
XXXX XXXX XXXX # XXXX is reporting a debt I do not owe. This account is past the statute of limitations in Utah and should no longer be on credit. I do not owe this debt and it should be removed.

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 2019-07-16
Company: Cooling & Winter LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Cooling and Winter neglected to seize collection activities on a debt that was disputed. ( See attachments per the FDCPA ) amongst other illegal practices. Mainly once I notified them that the debt was disputed the continued with collecting on a debt and today makes 60 days since since I first requested verification of the debt USING THE FDCPA letter on their website. To date I have NOT received the requested documents to validate for the debt. Also its clear you typed up that letter because I informed the CFPB that I never received notice. If your claiming I did then where is my signature from the certified letter. Again, you NEVER sent notice.

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 2019-09-16
Company: Comerica
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On r about the XXXX of XXXX a i was imformed by the Social Security Administration that they had sent my benifits to DirectExpress and that they would send me A card. I spoke them and was told that they had mailed me a card to a address given to them from SSI. I told them that i did not live at that address and wanted to have a new card mailed to my new address. Upon receiveing my card and activateding it i noticed that the payments for XXXX and XXXX of XXXX were missing {$2000.00}. I called and reported this to DirectExpress. i also told them that i was in XXXX and never recieved the card that was used to withdraw the funds.I was imformed that i had to file paper about the funds missing and file a police report which i did. XX/XX/XXXX. I recieved a letter imforming me that my paperwork was recieved and i would know something in 45 days. Around the middle of XXXX i recieved a letter from DirectExpress stateing that my funds {$2000.00} would be put into my acount. They put {$1500.00} on XX/XX/XXXX or around then. After about a week anfd2 the other {$500.00} was not added i called and asked about the remaining fund. At first i was told that they were looking into it call back in 24hr but after a week of that i was told that they would not be sending iz to me because i did not file a report about missing funds. I told them i couldn't report it because i was in XXXX  and that i never knew the card was mailed to me to know it was taken. They said they would send me a report or somethomg but nothing ever came. Now i can't get anyone to tell me anything ot even talk to me. I try to asks for someone but they say thats all they can do. I need my money. They mailef the. Card activated it they gave out the funds

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-08
Company: PNC Bank N.A.
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
My name is XXXX XXXX and on XX/XX/19, I went into the PNC Bank branch at XXXX XXXX, XXXX, XXXX, DE XXXX. I wanted to do a {$25000.00} cash advance from my XXXX XXXX XXXX account into my PNC account so that I could wire funds to XXXX internationally same day ( XXXX XXXX does not offer wire services ). I sat with VP branch manager XXXX who would assist me in completing this task. I clearly explained to her what I was trying to do and she proceeded with gathering information. I gave her my debit card which is needed to do the cash advance. XXXX looked and noticed I did not sign my debit card and that procedure requires them to do next level verification. At that exact point is where i started to feel very uncomfortable and felt the discrimnation started. She took my debit card and said she needed to check something and left me at her desk for 15 minutes. When she came back, she asked me about a {$25000.00} return that occured on my PNC account. I explained that originally I tried to do the $ XXXX eletronically but accidently put the sender of the money as PNC which PNC should have been the receiver. I have been with PNC for over 10 years btw. The stares she was giving me and the manner in which the questions were being asked made me feel very uncomfortable and made me feel like she already made her decision in not helping me. After making copy of my debit card and driver license, she sent me on my way and said that she will call a verification number to further verify if it was ok to proceed with the cash advance. I left the building at probably XXXX and called XXXX back around XXXX and asked if she called the verification number and she advised no and that she will not be helping me do the cash advance. There was no real reason as to why she would not help me with the cash advance which leads me to believe this was a discrimnation situation due to my race. Like i mention earlier, I felt very uncomfortable in the manner in which the questions were asked, the stares and the fact that she never tried in going thru the proper channels to assist me. This ended up being very inconvinnient and delayed the wire transferring. I eventually was able to do it the following week at a different branch and felt welcomed at that different branch. This is unfair for a bank corporation like PNC to discriminate against a long time customer and I would like my voice to be heard.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: Kelsting Group, Inc.
State: NV
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 lived in XXXX apartments in XXXX and they sent me to collections for a balance owed when I left. I settled the dispute within a few months and paid the sum of money we agreed on and I have the documentation proving so and that it is now a XXXX balance. Suddenly, new management pulled me up when I was inquiring, since I left on good terms with old management, to find a new place to live and decided I owe them all the money again and put it back in collections. they are trying to collect the money I paid and the part that was written off, which was mostly invalid, fraudulent charges and the other manager was fired over these acts, its in all the reviews. They are trying to come up with any story they can. They have no invoices and are just making stuff up, as they have nothing to refer to, no person to tell them, they are just creating a story and ignoring the invoice they have showing my {$700.00} payment and that the account was settled. They told me themselves that what I say is hearsay since the old manager is gone, well the same goes for them. They have just made up some XXXX story even though I was able to get the proof I needed. I have been treated horribly, it has caused other apts not to rent to me, I had to live in a motel for a month for over {$1100.00}, waste money on application fees, lose my place on a waiting list, and just the stress has been overwhelming.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-27
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: Public record information inaccurate

Complaint:
Trans union continue to report these unverifiable bankruptcy listings on my credit report. I have attempted to work with trans union directly on several occasions regarding this issue and I continue to get the runaround. Trans union has listed XXXX bankruptcies on my credit that are unverifiable and this is an illegal practice. The credit reporting agency asserts by way of the credit report, that United States Bankruptcy Court is the furnisher of this information. Seeing as how they are listed as the furnisher of information, I contacted the court to gain more information on the negative items. When I contact the courts regarding this issue, they are clear in stating that they do not report any information regarding bankruptcy cases to ANY credit reporting agency. This lead me to contact Transunion to inquire about where this information was coming from. According to the Fair Credit Reporting Act ; A credit reporting agency shall cease reporting any information that can be deemed inaccurate or unverifiable. In this case, these items are clearly unverifiable seeing as how the XXXX XXXX XXXX does NOT report to the credit reporting agencies. So if this is the case, how is TransUnion repeatedly verifying this item as correct when the information furnisher themselves is stating that they do not give out any information regarding the said case. At this point TransUnion is knowingly reporting unverifiable information and is in violation of the Fair Credit Reporting Act. ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. I am asking that these two negative and inaccurate and most of all unverifiable items be removed from my credit report immediately.

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 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I received a copy of my credit report today and discovered an alleged several number of hard inquiries. I do not recall authorizing this inquiry and i would like to see the application of Credit. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit. 

XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX 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 XXXX  XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXXXXXX  - XX/XX/XXXX XXXX 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 XXXX XX/XX/XXXX XXXX/ XXXX  XXXX XX/XX/XXXX XXXX/XXXX  XXXX  XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX U.S. Code, 15 U.S. Code 1681 et seq . Section 604 states that all users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. 

Understand that I contest the reporting of the above noted inquiries and challenge for the demonstration of the confirmed physically verifiable proof of a validly acquired lawful permissible purpose, concerning an exactly identified consumer who is/was factually identified as being me and only me. 

Please provide proof of permissible purpose by furnishing to me documentation of credit application with proof of signature showing that I indeed applied for credit with this company, otherwise delete the alleged inquiries immediately.

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 2017-09-27
Company: Experian Information Solutions Inc.
State: TX
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 have several hard inquiries that I did not give consent to run my credit. Please remove them from my credit report. I have no knowledge of these inquiries and no account attached to them. XXXX, XXXX, and Experian are stating that " inquiring are a factual record of file ''. How are these inquiries factual when I have no account. Furthermore, they have no knowledge of me doing businesses with them. I have supporting documents as proof that these creditors have requested deletion of the inquiries. Frade Alert has been placed on my report now as of XXXX. 

None Account Inquires -XXXX XXXX ( XXXX/XXXX/XXXX ) - XXXX XXXX XXXX/XXXX/XXXX ) -XXXX XXXX XXXX XXXX ( XXXX/XXXX/XXXX ) -XXXX XXXX XXXX ( XXXX/XXXX/XXXX ) XXXX Federal Credit ( XXXX/XXXX/XXXX XXXX XXXX Team XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX/XXXX/XXXX ) - XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Auto ( 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 explanation
Consumer complaint received 2017-09-27
Company: EQUIFAX, INC.
State: TX
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 have several hard inquiries that I did not give consent to run my credit. Please remove them from my credit report. I have no knowledge of these inquiries and no account attached to them. Equifax, XXXX, and XXXX are stating that " inquiring are a factual record of file ''. How are these inquiries factual when I have no account. Furthermore, they have no knowledge of me doing businesses with them. I have supporting documents as proof that these creditors have requested deletion of the inquiries. Frade Alert has been placed on my report now as of XXXX. 

None Account Inquires -XXXX XXXX ( XXXX/XXXX/XXXX ) - XXXX XXXX XXXX/XXXX/XXXX ) -XXXX XXXX XXXX XXXX ( XXXX/XXXX/XXXX ) -XXXX XXXX XXXX ( XXXX/XXXX/XXXX ) XXXX Federal Credit ( XXXX/XXXX/XXXX XXXX XXXX Team XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX/XXXX/XXXX ) - XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Auto ( XXXX/XXXX/XXXX ) XXXX XXXX XXXX/XXXX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Continental Finance Company, LLC
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: Account information incorrect

Complaint:
I contacted Continental Finance credit card XXXX to report a Fraud on my account. After reporting fraud and requesting a new card, I noticed on their website that they updated my balance to zero. 

They closed my account, deleted all credit statements from my online profile, and reported, without my knowledge, a high balance on my card to three credit bureaus. 

The negligent and incorrect reporting affected my credit score and damaged my credit reputation. This erroneous action and the confusing online portal harmed my credit. 

This message serves as a notice pursuant to the Fair Debt Collection Practices Act, 15 USC 1692 Sec. 809 ( b ) that your reporting to credit bureaus is disputed validation, before reporting you MUST validate charges. 

The law is clear regarding the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend to pursue litigation in this matter to enforce my rights under the FCRA. 

I demand the immediate correction of the information posted in three credit bureaus.

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 2017-09-27
Company: Navient Solutions, LLC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX has been calling me and somehow they now have gotten the numbers of my family members and are HARASSING THEM with constant calls. 
1 ) The name of the person they are calling about is under my maiden name, which was changed SEVERAL years ago ... yet they know enough to reach out to my husbands family? 
2 ) I do n't have any debts to my name. 
3 ) When I called them they tried to verify my name and a ) verified it wrong ... then tried to verify my birth year and had it wrong. 

I need them to stop harassing my family.

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 2017-07-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For the second time in the last two years XXXX XXXX XXXX XXXX has set my property for sale and engaged in egregious collection tactics. After the first time approximately one year ago, I sent this organization a cease and desist on the basis that XXXX XXXX XXXX have provided them with misrepresentations to give them the power of engaging in this action. I believe at that time that XXXX XXXX XXXX XXXX did the right thing and discontinued their harassment of me knowing that they had no legal basis to do so. XXXX has provided continual fraudulent documentation and misleading statements to XXXX XXXX XXXX XXXX in an effort to extort monies from me to which they are not entitled. There is no chain of title that is not clouded despite the efforts of XXXX to file fraudulent documents with the County recorder 's office. I am currently attempting to resolve the situation with XXXX XXXX XXXX XXXX to no avail. They continue to pretend that the documents provided are legitimate knowing that my intent will be to file lawsuits against them either pre-or post-foreclosure. This brazen disregard for the law should not be tolerated and XXXX XXXX XXXX XXXX should stop aiding and abetting a company that is having lawsuits filed in court every day, many of which are demonstrating that XXXX has a pattern of falsifying documents. Lastly, all of these perpetrators are relying on a pass through account as their basis for legal rights regarding my loan. I have proven to all of them time and time again that my loan has nothing to do with the XXXX XXXX pass through account to which they refer. Even XXXX XXXX has refused to offer any type of support to these criminal organizations to support their actions. On the contrary, XXXX XXXX requested in a directive to all " servicers '' to stop. However XXXX and quality are intent on making as much money as they can off of this chaotic situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
inaccurate info equifax and people credit, XXXX violates my hippa cra rights please remove them asap

Company response to consumer: Closed with explanation