BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-31
Company: Cascade Capital, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Around XX/XX/2019 I received a letter in the mail saying they were a debt collection company. They call themselves Cascade Capital LLC. The letter states that they have purchased the accounts from the Original Creditor. Total of 2 accounts. The letter gives no detail as to the amount I may owe or services that were provided. It only states to call their office at ( XXXX ) XXXX should I have any questions. 
XX/XX/2019 I called their office. I was a bit concerned because I was in the process of paying of a debt which they were not aware of. It was not discussed. I asked them how much I owed and I told them when I receive a notice from them after the 30 day wait period in compliance with Florida Statute 559.715. I would look it over and send a payment. One account was for {$48.00} and the second account was for {$25.00} They informed me they were not going to send me another notice.? I said then how can I pay you. They said over the phone is acceptable. I told them I need a statement first. After all, I need to keep records too. He became excited and tried to get money. He said I can also write a check and send it to their address listed below. I told him I can do that But, I need something on paper first. He said No! 
That's when I realized he was a scammer. Working through the mail service. He said they will not be sending another statement and I said " Great '' Then I guess were done. 
I hung up. They are listed as Cascade Capital Funding LLC XXXX XXXX  XXXX, XXXX XXXX XXXX, California XXXX // Also at XXXX XXXX / XXXX MI XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. XXXX XXXX XXXX has been paid and closed since 2021 but on my report, this is still showing with a balance. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04
Company: T.S. Holdings
State: NV
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The woods apartment located at XXXX XXXX XXXX XXXX XXXX XXXX TX is claiming I owe {$380.00} after they kept my {$300.00} deposit two almost three years ago. Last month I received an alert that a collection was added to my credit report. I saw it was from my old place. I never received or was told I owed additional fees and I live in another state now. I reached out to XXXX and asked for an itemized list of damages she claims I owe. She failed to do so and have not yet to respond to my calls. The collection company continues to flag my credit report up and down raising it XXXX $ off and on for some odd reason. I don't owe them NOTHING. When I moved manager said I wasn't getting my deposit back. I left alone. Now three years later I owe something

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: EQUIFAX, INC.
State: IL
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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX We started a short sale with Loan Depot on XX/XX/19. After having to send them the short sale package multiple times, Loan Depot has come up with a list of items that are laughable. 

They are demanding a notarized copy of the broker 's license for the listing agent. This is one of the most absurd requests I have ever gotten having done over XXXX short sales in the last 12 years. The XXXX website has a complete and updated list of all licensees, and is free to anyone to look up. The XXXX no longer gives out a hard copy of a license. What does Loan Depot want exactly??? There is NOTHING to notarize. What do they want a statement saying I printed this off the internet??? 

Ridiculous. On to the next problem Apparently LoanDepot doesnt like the way the XXXX XXXX gives out their military orders. They have demanded the XXXX XXXX sign the orders that the homeowner printed off the internet SERIOUSLY? It was explicitly stated in the hardship letter that the short sale is being requested due to a military transfer AND- a copy of the military orders were sent to LoanDepot multiple times. Does the XXXX XXXX know LoanDepot is treating their servicemen and women like this? 

Since LoanDepot has only recently come into servicing loans in a short sale situation, we have seen disturbing trends in their document requests. These are happening on EVERY SINGLE FILE WE HAVE WITH LOANDEPOT. It is  apparent to me that they are currently exceptionally unqualified to be in this industry. They do not have any knowledge of Californias Bills, Laws and Statutes, and this is required if they are going to do business in the State of California. 

I want them fined the maximum of $ XXXX and for them to undergo training to learn how to properly service their loans. If they are not able to perform according to California State Law, then they need to be banned from doing business in California. 


CC : For ease, we are cross filing this complaint with the following organizations : 1 ) State of California Attorney Generals office 2 ) Congresswoman XXXX XXXX, XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a basic savings account with Citibank. On Saturday, XX/XX/2021, I attempted to log into my account, and kept getting an error message that my password was incorrect ( which it was absolutely the correct password ). I then hit the " forgot password '' to just reset the password, and received a message that online access to my account had been blocked and was prompted to call the customer service line. Over the course of the remainder of that afternoon, I called multiple times, each time either 1. being told that no information could be given to me or 2. being told completely different things every phone call. I was finally told that I would have to wait on a letter to be mailed to me to verify my account. 

It has been almost 2 weeks since I was first denied access to my account, and I have still received no letter in the mail. Each time I call, whether it's to gain access to my account or just attempt to close it and have the funds in my account mailed to me in a check, I am told that nothing can be done until I receive a letter, which is absolutely absurd. On my last phone call with citibank, which was today, the rep came back on the line and told me he simply could not help me, and that he would be terminating the call. He then hung up on me. My money is in this bank account, and i have no way of accessing it, nor closing my account, and Citibank refuses to assist me outside of mentioning a letter, that I have yet to receive after almost 2 weeks.

As of right now, I still have zero access to my account ( online banking ) or the money in it. I am being told to wait on a letter to arrive via USPS mail, that should have been here by now, and is still not here. We are in the middle of a pandemic, and I can not access my account nor can I close it.

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 2019-04-05
Company: Tower Loan of Mississippi, Inc.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I have been struggling to make loan payment to Tower Loan, due to unforeseen Bill 's. I called when I began to struggle & they suggested I come in to redo the loan. I did, but didn't have all the information they required. I explained again I was not able to repay the loan at this time. The manager of the store called today XX/XX/19 & said he needed a payment of {$100.00} which I explained I did not have. I am on special security dissability & recieve payment monthly via XXXX XXXX. He proceeded to tell me that he could go to court & have my payments garnished. When I told him I recieved dissability & legally he could not do that. He replied that he would place a lien on my XXXX XXXX card which has my XXXX payments on it. Which he can also not do. To which he replied .. he didn't know how I could even sleep at night & that I was surely raised better than that. At this point I just hung up the phone.

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 2021-09-23
Company: DIME COMMUNITY BANCSHARES, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My employer sometimes pays my expenses on XXXX, I then transfer the funds to my checking account. On XX/XX/2021 I was paid {$1100.00} on XXXX and transferred that amount to my Dime checking account where it posted on XX/XX/XXXX as completed. Three days later on XX/XX/XXXX the money disappeared, it showed as a withdrawal called " XXXX Reversal '' and all {$1100.00} was, and remains gone. My bank at first blamed it on XXXX, so I called them and they have no record of any such transaction and said it would be illegal for them to take the money back without either my or the bank 's consent, neither of which were given. Then the bank said XXXX asked for it back, which XXXX denies and if they did it would have returned to my PP account, which it hasn't. Now my bank seems to blame it on me, as though I created this transaction which I'm pretty sure ( if they would actually investigate ) they'd see it's likely fraud, and therefore the bank 's fault. I have offered to allow the bank access to my XXXX account but they are not interested in resolving this or even talking to me at all. 
I filled out an " Unauthorized ACH Form '' a couple weeks ago but still nobody at the bank seems to be investigating, and they do not wish to speak to me or explain anything, it is incredibly frustrating because I need this money for my rent coming up soon. I asked my branch manager to look into it but haven't heard back and I'm assuming he too will have no useful information. I really don't know what to do, the bank was supposed to protect my money but now it's gone and they want nothing to do with me. I've opened a new account at another bank because I no longer trust Dime, but have kept the empty checking account open waiting for them to give me my money back. PLEASE HELP! Thank you : )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-17
Company: GOLDMAN SACHS BANK USA
State: CO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX Apple suspended my account for review of an XXXX charge dispute -I called every day for a month asking for updates and understanding of why my account was suspended. Multiple representatives told me that it would be resolved within the day or week. 

-I provided evidence proving a financial error by XXXX and Apple wherein I was being charged for a monthly installment for a watch I returned last XXXX. The Apple employee forgot to cancel my wireless plan attached to the watch when it returned and i was being charged for a watch and service I did not need. 

-After one month of daily calls, my account was closed without explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29
Company: EQUIFAX, INC.
State: NY
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 previously notified you an error on my personal credit report and that I am a victim of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-08
Company: Credit Karma, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I am a member with Credit Karma. Credit Karma has the Guarantee policy if u have a guarantee offer to apply for a credit card. And if u get denied. They will give u XXXX. I applied for XXXX XXXX credit card. From my credit karma site. I was denied. When applying for the XXXX for being denied. It's no longer in my account. The offer. I just now starting to file for the XXXX promotion. What worry me. Since I been denied. The offer does not reflects in my account anymore. I had already been denied for the card threw experience credit reporting site. And when I seen the credit karma Guarantee on my credit karama acct. I applied again. Now I been denied twice!! It's going to lower my credit score for applying.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: Commonwealth Financial Systems, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted by COMMONWEALTH FINANCIAL SYSTEMS, in late XXXX I received a bill stating that I owed a dept dated XX/XX/14 to the XXXX XXXX  XXXX XXXX for over {$490.00} something. I called the number provided and informed the women I was confused about what was going on. They told me I went to the ER that date and I had an unpaid medical bill from then and that I needed to pay it. I told them I have been to that ER before but it was years earlier and definitely not that date. I told them that it was not my debt and there must be a mistake. I requested proof of the debt an EOB or any paperwork to prove the debt was mine or give any additional information. The women hung up on me and I have not heard from them again and I did not receive any paperwork from them at all. I was notified today that they have added the collections to my XXXX report. I take great pride in my credit and worked hard for the XXXX score I have maintained and I will not allow this company to fraudulently ruin my score. I have disputed the report to XXXX   but their methods of doing business and the frivolous nature of their actions are reprehensible and should not be allowed to continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: Experian Information Solutions Inc.
State: AZ
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 paid and closed a collection account.and experian will not update to reflect as they did with the last one I did. 

The collection agency sent the removal and Experian only updates the balance. This is discrimination and unfair treatment as they are now charging for services they have a vested interest in ruining peoples credit so they can have you pay for their updates quicker. 

Agencies like this need to be closely examined.

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 2018-02-11
Company: BROKER SOLUTIONS, INC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX I reached out to a company federal assets solution to work out a loss mitigation plan during that whole process the lender did not contact me and I was never appointed a single point of contact, all updated information was coming from federal assets solution of the Lost mitigation process.XX/XX/XXXX I personally started getting in contact with the lender. I submitted a loss mitigation packet my real estate broker submitted a short sale packet it was confirmed by the lender that all packets have been submitted and completed. Lender is in violation for continuing and moving forward with a foreclosure trustee sale date XX/XX/XXXX. Section 2924.11 prohibits recording a note of sale for conducting a foreclosure sale upon receipt of a complete application for a foreclosure prevention alternative starting XX/XX/XXXX the Dual tracking prohibition applies to all application for all foreclosure prevention alternatives.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
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: Investigation took more than 30 days

Complaint:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: NAVY FEDERAL CREDIT UNION
State: IN
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, XXXX XXXX, Am submitting this complain on my own behalf and there is no third party involved. 

I recently pulled my credit report and discovered that there is information that I do not wish Navy Federal to furnish as they already in violation of the Fair Credit Reporting Act. The FCRA states what shall be EXCLUDED from my consumer credit report. 15 USC 1681a ( 2 ) ( b ) states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card. so According to Federal Law this account should not be on my credit report because it violates my federal rights and shall be removed immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2022 I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  to inquire about eyewear. I told the lady that I had a prescription from a previous optical place, but she suggested that I take another eye exam just in case there were changes. She also suggested that she can give me a great deal on eyewear. I mentioned that I didnt want any hard inquiries on my credit report and she insisted that it wouldnt. Weeks later my credit score dropped and I started receiving statements from Comenity bank. They also started contacting me regarding late payments. I never gave authorization for the order to be processed. I contacted both parties and they said I would receive a callback, which that never happened. Bottom line is my eye health is deteriorating. 
My credit score also dropped drastically.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-02
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I don't remember submitting a credit application for PayPal credit and had clicked to cancel the advertisement and closed out the webpage. I still somehow got approved for credit I don't want with PayPal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XXXX ; XXXX  and Transunion are reporting incorrectly that I am 30 days past due on XXXX XXXX XXXX XXXX - partial account number XXXX. ( Please see page 2 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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