BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-07
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Multiple credit bureaus have a debt collection on my credit report that does not belong to me. The debt collection is for XXXX XXXX XXXX XXXX XXXX   and it was opened XX/XX/XXXX. From what I've been told from XXXX, it states that this is a debt from XXXX. I di not live at this location in XXXX and I never have lived at this location.My address was in XXXX, TX and still is today. Pro Collect has been harassing me nonstop to collect this debt even after I told them it was not me. They told me to fax private information proving this was not me, which is not safe nor feasible during this time. XXXX continues to deny my dispute and will not assist me. I continue to get the run around and this needs to be removed. The debt is for {$1200.00}. I am attaching documents proving my address in 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 2023-07-11
Company: EQUIFAX, INC.
State: GA
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 have noticed that XXXX XXXX has reported a debt on my credit report that is older than the permissible time frame specified in FCRA Section 605 ( a ). According to my records, the debt in question exceeds the seven-year reporting limit for negative information. This outdated reporting is not in compliance with the FCRA requirements. 

XXXX XXXX is in violation of FCRA Section 602 Permissible Purposes Violation of FCRA Section 604 Written Instructions Violation of FCRA Section 605 ( a ) Reporting Outdated Debt Violation of FCRA Section 605 ( a ) Reporting Outdated Debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-19
Company: LD Holdings Group, LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
During the month of XX/XX/2020 i got Refinance mortgage loan locked with interest rate at 2.375 % with Loan depot for my Multifamily 2 duplex house. They made me to wait more than 100 days to close the deal where i lost most of other companies who were offering me better deals. 

During the final hours of the closing the company raise the interest rate 1 % more to 3.375 % claiming it to be an investment property. All terms and conditions were discussed during the initial hour of lock in. I did not agree to this deal and requested refund of the payment used to lock the interest rate. I called up customer service and immediate production manager regarding the issues and he promised to refund the amount. 

Currently neither the company offers me a refund nor continue with existing interest rate at 2.375 %. the company is been duping the customer and forcing them to get the rates locked up. 

I need your assistance to get this resolved. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: GOLDMAN SACHS BANK USA
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My Apple Card, which is managed by Goldman Sachs, has been locked and I was told it was due to a high balance on XX/XX/XXXX. I was told by a representative that I have to pay down my balance and it will allow my card to work again. On XX/XX/XXXX I reached out again as my card had not been able to make charges since lowering the balance. I was told that my account was under review and they would not give me a date that the review would be complete. On XX/XX/XXXX I reached out to Goldman Sachs/Apple Card support again just to get a time frame of the review and they had advised XXXX  days someone would reach out to me. I never heard back so I reached out again on XX/XX/XXXX. I was told the card would be active on XX/XX/XXXX. Reached out again on the XXXX and the XXXX as it still was not active and was told the card is under review and that there is no timeframe. I filed a complaint with Apple Card support and was told I would be contacted within XXXX  days regarding my complaint and i still have not heard back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-05
Company: Receivable Management Inc.
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This was a surprise Bill and I had insurance. I am XXXX unemployed and was not given opportunity to provide financial assistance to you before it is sent to collections as required by Texas law. I have no idea what these services were but I dont believe they submitted the claim to insurance and if they did I believe they are balance billing in violation of Texas law and their contract with my insurer. I have never received a bill or been offered financial assistance. I am XXXX on food stamps and living in a residential facility. They should have notified me about this a long time ago and given me information about what I was being charged for what was covered by insurance and why I wasnt eligible for financial assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: Experian Information Solutions Inc.
State: TX
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:
After receiving emails from the bank for COVID-19 relief on my auto loan account, I requested the relief but continued getting collection calls. I sent them an email and referenced the relief request, I was told to call. I called again and requested the relief and thought all were fine. But, again, i started to receive calls and noticed late payments on my credit report. I contacted the bank ans asked why I was still getting calls and reported late payment but, instead of answering my questions, the representative hung up the phone. I was only 7 day past due on my account buy still receiving almost daily collection calls even though there was a relief.

I tried to close the account but they wouldn't let me close the account either. This bank is a crook.

This negative reporting has dropped my credit score significantly that the Department of Education has denied my child 's parent Plus Loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
In XXXXXXXX XXXX XXXX my Wife and I filed for chapter 13 bankruptcy. We did NOT include our auto loan with XXXX XXXX XXXX XXXX in the bankruptcy, it was " Direct Pay '', " Notice Only '' payments to be made by the debtor ( s ). On XX/XX/XXXX XXXXour bankruptcy was declared " Paid in Full '' and fully discharged. To date we have paid the loan on-time, we have never been late, missed a payment or under paid the amount due. We have been out of bankruptcy for 15 months and XXXX has still not reported our on-time payments correctly, citing " Discharged under Bankruptcy '', " Account Closed '' to the credit bureaus. As of next month we will still have approximately 14 more payments due. We have contacted XXXX numerous times as well as all XXXX credit bureaus to dispute this. XXXX continues to keep our loan in there " Loss Mitigation Dept. ", the department manager XXXX XXXX says they have done everything they can do to fix this and blames the credit bureaus, the credit bureaus say they can only report what they receive. We check our credit regularly and pay monthly for XXXX XXXX XXXX, to date nothing has changed.

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 2023-02-17
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-05
Company: The CMI Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX received a letter from Credit Management for XXXX XXXX for the amount due of {$290.00}. I have never been heard of, been affiliated or done any business with the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-09
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
EQUIFAX HAS MERGED MY CREDIT REPORT WITH ANOTHER SOCIAL SECURITY NUMBER THAT IS NOT MINE I LEARNED OF THIS WHEN MY CREDIT WAS PULLED BY A MORTGAGE LENDER I HAVE CONTACTED EQUIFAX AND THEY DENY THIS BUT I HAVE THE REPORT THAT SHOWS. THEY WONT DO ANYTHING ABOUT IT AND ITS HURTING MY CREDIT STANDING AND SCORE. XXXX XXXX HAS ASKED FOR EQUIFAX TO REMOVE THE COLLECTION THE ONLY COLLECTION ACTUALLY REFLECTING UNDER MY SOCIAL ON MY REPORT FROM IT BECAUSE IT WAS A FRAUD ACCOUNT AND THEY HAVE FAILED TO DO SO.XXXX XXXX REQUESTED THE REMOVAL IN XX/XX/2018. THEY SENT A SECOND REMOVAL REQUEST THEY HAVE STILL FAILED TO REMOVE IT. 

I HAVE ALSO DISPUTED A AUTO ACCOUNT THATS REPORTING INACCURATE INFORMATION ON ALL THE BUREA XXXX XXXX XXXX XXXX   HAS NOT REMOVED THE ACCOUNT FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KS
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:
This company calls from a different number each time. 7 days a week XXXX times a day. I have nothing on my credit report for this company so there is no known debt nor have I received anything in writing from them. When I called to tell Them a complaint was going to be filed for their ridiculous amount of phone calls the lady refused to remove my number ( which clearly I never consented to them calling ) without obtaining personal information which I refused. This is XXXX single day for at least XXXX months. Blocking the number doesnt work as they just use another to call several hours later.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Recently had an account show up on my credit report and the credit bureau was asked to verify its validity sent a correspondence on XX/XX/2020 the matter has not been resolved and the dispute has been open since. For XXXX, TransUnion and 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 2020-06-03
Company: EQUIFAX, INC.
State: OH
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:
The reason for my dispute is XXXX XXXX # XXXX, XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX, XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX, XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX, XXXX XXXX is in compliance with OHIO LAW. I  also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.XXXX XXXX, XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: SN SERVICING CORPORATION
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Security national servicing Corp. Has proceeded to Illegal foreclosure. SNSC is debt collectors as specified in disclosure of " notice of transfer of mortgage servicer '' effective XX/XX/XXXX. But intentionally misrepresent and threatened foreclosure lawsuit on " time barred debt '' as noted on transfer notification as loan matured on XX/XX/XXXX. 

Not a single notorized or executed by bank 'lender officer. 
Trustee is also a debt collector. And failed to even acknowledge the qualified written request. 

Multiple " beneficiaries '' in attempt to confuse and lacking any transparency. " XXXX default services '' trustee sale ''. There's not a single " executed notorized document that reflects legal standing authorized to foreclose. 
XXXX is also debt collectors conspired with SNSC for illegal Foreclosure and false statement. 

Now I'm being evicted out of my home. I've been on XXXX since XXXX. 

As stated my new " lender '' creditor is " XXXX bank as trustee for XXXX XXXX series trust. Which is registered with SEC and then to illegally foreclose on my property which is securities fraud. 

XXXX dated XXXX. Still yet to be acknowledged. And collections without a license. 

Knowing my limited XXXX income and taking the corona virus as an opportunity to make financial gain by falsely recording of illegal documents. Third co-CONSPIRATOR is " XXXX XXXX XXXX '' whom issued me the title insurance '' on an predatory loan dated XX/XX/XXXX ) no trustee as stated on policy. And the alleged " deed of trust '' is completely documentation fraud. Please see ( page numbers located along with my initials ) and my signature is added on completely separate page with only my signature. Which was never signed on any deed of trust. 

My original loan was from XXXX XXXX. ( I have disclosure from thwm stating my mortgage would not be transferred dated XX/XX/XXXX ) bait and switch. And there is no chain of title that could authenticate and authorize this illegal collections ans foreclosure. 

I'm being evicted ( please advise how to proceed ) and needless to say my health condition is taking it's toll. Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/ ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
I have filed an IDTR report and told the bureaus of credit reporting to take down my loan with XXXX. They have not done so and now I have lost {$2000.00} in tradeline credit. XXXX XXXX  called me stating that an account is in delinquency status, so they dropped my tradeline amount. This is the fault of the CRAs because they did not remove the accounts I asked them to remove. THESE ARE NOT MY ACCOUNTS. I am going to sue if the account is not taken off my credit report.

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 2019-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
The following accounts are fraudulent : XXXX XXXX/XXXX- {$1300.00} XXXX XXXX XXXX- {$490.00} XXXX/ XXXX XXXX XXXX XXXX XXXX {$18000.00} XXXX {$6900.00} XXXX XXXX {$2100.00} XXXX XXXX- {$4400.00} XXXX- {$1100.00} XXXX XXXX XXXX - {$550.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
SchoolsFirst FCU has violated XXXX XXXX XXXX by continuing collections after a cease and desist and XXXX XXXX XXXX by failing to report accurate information to credit reporting bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I began an application to refinance for a jumbo conventional mortgage in XX/XX/XXXX. Bank of America. I paid for a rate lock and other fees to begin the process. Like it seems with many other mortgage providers, BofA began to show indications of 'backing out ' of any potential lending obligations with the onset of the coronavirus pandemic. However, what makes this egregious is that they ultimately stalled me for FIVE MONTHS, and reset through THREE DISTINCT UNDERWRITERS while re-charging me to restart the same process with the excuse that they 'lost the application ' and it lapsed. 
After jumping through numerous final 'hoops ' in XXXX, demanded at the last minute with little notice, they notified me of a denial late on XX/XX/XXXX. 
It is my belief that this company, perhaps like others, was so busy with their nose up the governments behind feeding on PPP business re-assigned all their underwriters to PPP business and simply dropped my application, with no intent of ever conducting this business, which is a fraud. They cost me fees, a negative mark on my credit due to the application and worst of all, a massive opportunity cost caused due to freezing a large amount of cash I did not want to put at risk during the application process. 
This is one of the most egregious cases of mal-intent I have ever experienced at the hands of a bank, and someone needs to be looking into the practices at BofA and how they have conducted themselves with similarly situated customers. 
I have millions of dollars in net assets with the bank for years. There was no reason for this. Furthermore, they could have easily made a negative determination within a month or two if there was a justification. 

The people I interacted with were XXXX XXXX XXXX Cell Bank of America NMLS # XXXX XXXX XXXX XXXX Mortgage Loan Coordinator E/P NMLS ID # XXXX

Company response to consumer: Closed with monetary relief