BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-27
Company: ENCORE CAPITAL GROUP INC.
State: MI
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:
Midland Funding has reported payment of XXXX made on account which wasn't made. Asked for verification ... they cant lowering my credit score by 27 points. Midland Funding is reporting ( originally XXXX ) debt. Reported fraudulent payment of XXXX. Now reporting XXXX. Yet they state the debt is approx XXXX. The credit card company states approx.XXXX ( XXXX XXXX bank ) .Filed 4 disputes now through XXXX, XXXX and XXXX. Midland states account correct so agencies won't investigate and leaves FALSE info on my report. Midland has been asked for Legal verification, accounting records, License number ( Michigan Law ). Receipts, proof of ownership.NOTHING has been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: Walwick, Inc
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Date is XX/XX/2018 Gave verbal communication that I was disputing the debt. XXXX XXXX proceeded to tell me that it not valid and it has to be in writing. I requested the address to send in written documentation and he responded with a poor attitude. Telling me that they already sent valid information about the date. I suggested that nothing was received and if they sent anything it was only a Dunning Notice. 
I asked him to change his tone or manner he is handling the call. Then requested a manager. He only sent me to a supervisor. The supervisor said they had no managers on staff they are gone for the day. I also informed her of my dispute of said debt.

Company response to consumer: Untimely response
Consumer complaint received 2023-03-29
Company: Paypal Holdings, Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have 2 pending transactions for XXXX for each stay at a XXXX XXXX XXXX stay in which the room and tax has already finalized and the incidentals held were released from the hotel but has not been released from Venmo. In their policies it states that I would need to wait 30 days for the hotel business to finalize. The dates of my stats are XXXX XXXX XXXX as well as XXXX XXXX XXXX. I have contacted Venmo on numerous occasions and they keep telling me that they will make a claim, have someone email me, and make it right. I still have not received any of my money and I dont know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: HW Holding, Inc
State: SD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter from Hunter Warfield ( XXXX collections ) stating I owed {$520.00} on XX/XX/2018. XXXX # XXXX and Hunter Warfield # XXXX. 
I replied asking for validation of debt and explained that the dishwasher had been returned. I sent the confirmation letter from XXXX stating it had been returned. 
I sent a check in the amount of {$66.00} which would cover the amount in full that I would of owed but Hunter Warfield returned my check. 
I do not owe {$520.00}. I do owe {$66.00} but the are refusing to except that payment.

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 2021-09-20
Company: Better Mortgage, Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am trying to get a mortgage on a new property from Better.com. I was told that my mortgage was approved and that we were ready to go to closing when that step was necessary. A week later, I was told that there were other requirements for the approval of my loan, that my current mortgage needed to be paid off, the closing date needed to be moved or the mortgage contingency on the contract of sale of my current house needed to be removed from the contract. I complained that they had already approved my mortgage and that these late requirements made it almost impossible. I sent a complaint to their complaint department and to their CEO and they reiterated their demands. Then they told me that they were not going to use my current mortgage in my debt to income ratio but that I needed to get a distribution plan from XXXX, the company where I have my IRA- this is not possible, there is no such thing- it is a self directed IRA. 

I made plans to purchase the new house with cash and choose another mortgage company in the future and so removed funds from the IRA as a short-term loan using the once-yearly rollover ability for IRAs. 

This morning, XX/XX/2021, I was told that my mortgage was done and that I should wait for underwriting to send me the paperwork to review and approved so it can go to closing in time for the closing on XX/XX/2021. Just hours later, I am sent the same demands for contingency removal and distribution plan. 

1- Better wants proof that I, as a retiree, can prove that I will have solid income for the future when they do not require this of people with jobs.

2- Better has told me on two occasions that my mortgage was approved only later to tell me they had the same requirements, requirements which I was told were no longer required.

3 - Better waited until no more time was available for me to get another mortgage before they started adding requirements to what was already an approved mortgage. 

4- Better required that I reinvest my IRA into an annuity so they could have proof of income. I am not sure that Better has the legal status to be providing securities advice and hold that advice as a requirement in their mortgages. 

I am prepared to buy my new home on XX/XX/2021 with cash but will suffer when applying for a mortgage after the fact because of my rejection by Better and because it will be a cash-out refi on an already paid off home. If I can get a Better mortgage before XX/XX/2021, I will, as that would be the simple solution even though I prefer not to do business with them any further. 

My concern is that those without financial knowledge may be being coerced to do things for which Better has no right to require. 

I can provide an email trail, which will take some time to gather, to support the above.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03
Company: Google Compare Credit Cards Inc.
State: NV
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:
For three years, I have been trying to resolve an issue wit Google Payments. I have had an account with them since at least XX/XX/2008. It appears that someone used my information to violate the terms and conditions under my identity and account, as verified by Google. Since then, they have asked me to send them information to resolve the issue. After I sent it several times, they flat out deny to assist me and choose to hold me responsible WITHOUT PROVIDING ANY INFO as to why it happened, how it happened, or who specifically did it besides blaming me. During this timeframe, I was in the process of moving to XXXX XXXX, NV where my identity theft began occurring. I have tried contacting Google several times if not dozens to resolve this issue and they simply deny to assist me or file any claims to dispute the charges, claiming that it is my account and anyone can use it without my permission and it will be considered authorized since it is under my name. That does not make any sense especially with all the fraud going on now days. They will not prove to me or provide to me who did it nor will they fix it for me. They claim they have security measures to prove it is me, but still they DO NOT show it to me or tell me, therefore, how am I supposed to believe them, fix this, or understand what is going on? Furthermore, they are very rude, deny to assist me, blame me, and tell me they can not argue with me or provide any info. During these charges that occurred, my other bank accounts and things in my name were affected, compromised, and opened/closed. Someone used my account for fraudulent things and even my bank confirmed it. However, Google does not want to assist me or take any responsibility. They want me to communicate with them by email even though my email/account with them was compromised/hacked somehow and I do not trust that way of communication, especially since we can not understand each other as well over email than over the phone and to give details. Why would I want to email a department over something urgent and not being resolved correctly?? They keep denying to assist me, will not, and flat out do not have any more info to provide me which leads me to believe that they can not truly show any proof as to it being me since it WAS NOT. I need to use Google Payments to pay for my storage for email that is critical, photo storage, products, services, movies, apps, and other services that require me to use Google Payments. I can not even add a payment method to resolve the balance even if I wanted to nor can I even add a payment method or do anything with the account, therefore, I closed it. I am very frustrated with this situation and am fed up with it. It keeps going in circles and does NOT get anywhere! UNPROFESSIONAL!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody 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 2016-04-22
Company: Resurgent Capital Services L.P.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never enter into a contractual agreement with this company and neither have they ever provided me with goods or services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: KEYCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
This happened to both me and my spouse today. 
I want a refund for an {$4.00} fee another bank charged me and Keys outside atm fee, which incurred using another banks ATM.

The drive through ATM was cash withdrawal disabled.

Keys teller them refused to disperse my finds through fun the window, or let me withdraw money within Keys limits.

Is Key running out of money? 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX telephone : XXXX Date : XX/XX/23 Time : XXXX EST

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-13
Company: EQUIFAX, INC.
State: CA
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 need clarification into how XXXX is coming up with this XXXX XXXX XXXX account that is verified as Accurate. I recently submitted a dispute directly with XXXX and on XX/XX/XXXX I received the results.The results state that the date of first Delinquency is being reported correctly and as a date of XXXX. ( see attached dispute results ), but if you look at my equifax CCR it shows different information on my timeline ( see attached timeline screenshot.Equifax is reporting on my payment history A 90 day late in XX/XX/ and a XXXX late in XX/XX/, so how is that equifax is saying the that the date of first delinquency is accurate and Verified as accurate. It can't be correct

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: Experian Information Solutions Inc.
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: Credit inquiries on your report that you don't recognize

Complaint:
I recently conducted a review of my credit report, and I noticed that your agency showed XXXX XXXX, XXXX XXXX credit hard inquiries without my knowledge. The unknown and unauthorize hard inquiries in question was apparently made by XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX. XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX.I have not informed or recalled of any association with these company. I have contacted XXXX, and XXXX XXXX requested them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and proceed necessary steps to resolve the issue. I wanted to contact all the credit agency as well, just to make sure the issue would be resolved 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 2018-06-01
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Received HAMP modification in XX/XX/2013. Included a principle forbearance. Not one time in 5 years after modification did I receive any documentation reminding me about the forbearance amount or how to repay it. On the Wells Fargo statement it only included the payoff for the reduced principle. When I went to sell the home there was a lien attached as a second mortgage to some company whom I had never heard of stating that I owed XXXX dollars at settlement. I find this forbearance from the government should have been treated like a debt and made known at least monthly or yearly of the amount and I the consumer should have had the option of paying it down. Wells Fargo had no information about this debt even though they were the writers of the contract that included it. Every time I called for a payoff it never was mentioned that this needed paid off also. Two days before settlement is when I found out that I owed it and who I needed to pay it to. The company or the government should have given options for repayment to me at the time of the loan modification. I was never given this information. I feel like I was set up to fail in the end even though this program was meant to help struggling homeowners. They failed to disclose this information to me during the life of my home ownership.

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 2021-11-03
Company: GOLDMAN SACHS BANK USA
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: Credit inquiries on your report that you don't recognize

Complaint:
I, XXXX XXXX have received a hard inquiry after applying for a credit card with Apple Card/GS Bank on XX/XX/2021. I am a victim of identity theft and did not give permission for these assumed credit reporting agencies to have access to my information. Under 15 U.S. Code 1681n, " Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' Please have this inquiry removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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've requested to have accounts investigated because they were inaccurately being reported. After disputing the items and requesting the method of verification, I was given a templated letter with no specifics. It appears that the company didn't conduct a reasonable investigation. 

Now I'm in the process of buying a home and the accounts are listed in dispute. Over the past couple of months, I've requested to have the accounts in dispute to have the dispute removed however the company refuses to do so.

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 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-22
Company: National Credit Systems,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:
I have disputed negative information on my credit report from National Credit System 's Account number XXXX with XXXX several times under the FCRA. I have also sent supporting documentation from the XXXX County Magistrate showing where this debt was not valid. I have submitted copies of the ruling from the judge to XXXX on three separate occasions via certified mail. I am requesting that XXXX to delete this negative information ASAP per the fair credit reporting act. I have already filed a complaint with the State of Georgia Attorney General. If this information is not deleted under the FCRA, I will have no choice but to provide all supporting documentation to my attorney and proceed with taking legal action based off XXXX clearly ignoring federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I previously sent a dispute letters addressed to the Credit Reporting Agencies requesting that the Credit Bureaus update, correct the disputed erroneous accounts that are reporting inaccurate information on my Credit file. I have read that the Credit reporting Agencies are required to report accurate information and investigate and correct any accounts reporting erroneously. I am submitting this CFPB complaint to follow up the previous CFPB complaint I submitted 15 days ago complaining and requesting the same disputes. Also, according to the FCRA, 15USC 1681i, the Credit reporting Agencies are required to finish their investigation within 30 days and send me copies of the results of investigation. However, 3 months had passed and the Credit Bureaus have failed to send me copies of documents they are required to send me and claimed that the accounts are verified. This action by the Credit Bureaus is a clear violation of a consumer 's rights. I am requesting to the Credit Bureaus to please correct the following accounts from my Credit report : XXXX XXXX XXXX Balance : {$9100.00} XXXX XXXX XXXX Balance : {$52000.00}

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 non-monetary relief
Consumer complaint received 2018-03-07
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
this account belong to someone else it was removed from my credit before and it appeared back on it please have this account removed from my credit and not put back on it because it's causing me a great deal of stress. 

XXXX XXXX Account Number XXXX Account Type Collection Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$1000.00} Balance Updated - Credit Limit - Past Due Amount {$1000.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Ownership Individual Original Creditor XXXX XXXX. 
Company Sold-to - Original Amount {$1000.00}

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