BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XXXX mortgage lender tried to pull my Equifax credit report and score. They were unsuccessful. On XX/XX/2019, XXXX XXXX and I attempted to resolve the issue with Equifax but was unsuccessful. I was informed that there were no issues. On XX/XX/2019, I called 3 times and spoken with 2 reps and 1 supervisor and they claim that there are no locks, blocks or freezes on my file, but yet I can not pull my report and score with XXXX, XXXX  ( their 3 bureau service ) nor Equifax and XXXX XXXX nor my lender has still not received my score and report. In fact, I can not even log into my Equifax online account. Something has to give. This is ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The wrong name is reporting on my credit report. Some of the information showing does not belong to me and needs to be removed immediately! I complained to the FTC. 

FTC Complaint # XXXX Account : XXXX XXXX Account # : XXXX Balance : {$560.00} Opened : XX/XX/XXXX XXXX XXXX Account # XXXX Balance : {$310.00} Opened : XX/XX/XXXX Account : XXXX XXXX XXXX Account # : XXXX Balance : {$20000.00} Account : XXXX XXXX   Account # : XXXX Balance : {$4000.00} Opened : XX/XX/XXXX Account : XXXX XXXX XXXX Account # : XXXX Balance : {$500.00} Opened : XX/XX/XXXX Account : XXXX XXXX XXXX Account # : XXXX Balance : {$260.00} Opened:XXXX Account : XXXX Account # : XXXX Account : XXXX Account XXXX XXXX Balance : {$1300.00} Account : XXXX Account # : XXXX Balance : {$750.00} ( Limit ) Opened : XX/XX/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 2018-01-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have been trying to obtain my credit reports for years and I am always told they are unable to provide them to me. Each time I am either given an incomplete report or referred to requesting the reports through the mail at substantial costs. I am simply asking for something that everyone else in the country is entitled to.

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 2019-07-23
Company: JPMORGAN CHASE & CO.
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I got my mortgage through XXXX who has the investment from XXXX XXXX. They told me I had to pay mortgage insurance until I reached 20 % of my loan to value. I called to see how much I needed to pay in order to get this removed. There was a severe lack of communication on their front. Not only do they require me to pay XXXX for a home estimate but they also won't remove it until I get to 25 % of the loan paid. They neglected to mention any of this in closing and in fact they told me it would automatically be dropped at 20 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: Advance America, Cash Advance Centers, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
On XX/XX/2019 I was blocked in my driveway by a man and his tow truck. I asked the man to remove himself from the property but the man refused and threatened me saying " if you do not give up the vehicle then I will call the police and have you arrested '' the man called another man to the block an end to blocking the entire XXXX XXXX  access to the front of the of my house when the second man arrived he walked up to me and demanded I give him the key to my car I argued and both tow truck drivers grabbed my car key from my hand and I wrestled with them both for a only a second or two they told me to remove my belongings from the car or they would be forced to remove it at some point then after I removed my belongings the second tow truck driver said to me Sia in court I contacted the lender only for them to request the full amount of the auto loan title loan I had obtained in XXXX plus interest which was approximately {$3200.00} I was not able to come up with all of the {$3200.00} I haven't heard from the lender since the repossession of my car according to contract and federal consumer law all right it is applicable and lawful to inform a client or consumer income in contract about the sale of property the lender has never informed me of any information regarding the whereabouts of my car or the planning of the sale of my car or the amount that they sold my car for I am asking that I be confiscated in the amount of the loan the original loan amount of {$2500.00} for the loss of my vehicle the loss of my employment the grief of being uninformed of the sale of my car and I requested the tow truck tow company compensate me for mishandling my private agreement with the lender in the amount of {$6400.00} that cost the original cost of my car at the time of purchase .XXXX  XXXX the lender company is Advance America in XXXX California and the tow company is a private third party that the lender used to repossess the vehicle from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: Frost-Arnett Company
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Please reference CFPB complaint IDs XXXX ( XXXX  ) and XXXX ( XXXX  ) as this is a follow up to the same issue. 

From previous complaint : On XX/XX/XXXX, I scheduled a phone appointment with XXXX XXXX XXXX of XXXX XXXX  XXXX XXXX. I talked to him at XXXX at the scheduled time and informed him of my symptoms. He told me he was unable to assist until I performed a XXXX XXXX and XXXX XXXX and that he would send the referral. I waited for the referral but nothing was sent over. Due to the urgency of the situation, I visited another doctor who handled the situation more promptly which led to the resolution of the medical issue. Later when I received the medical bill from XXXX, I called them to dispute the amount and file a complaint as I did not receive any medical care. I did so multiple times and XXXX consistently never responded. Finally in the latest communication, I spoke to XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) and described to her the issue. She told me she understood my concern and would investigate further internally before providing me with a response. I ultimately received no response from XXXX XXXX in writing or a phone call. Finally I received this collection notice from XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

The previous complaint was closed with XXXX closing the file and XXXX XXXX still not responding. 

Recently, I received another debt collection notice from Frost-Arnett Company dated XX/XX/XXXX for the same amount. I still have not received anything from XXXX XXXX  XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: National Collection Systems, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not know why this debt is on my credit report. The balance is XXXX, the debt is XXXX, yet it is listed in collections. 
National Credit Management account XXXX Original Creditor XXXX XXXX University XXXX Date XX/XX/2015 Balance - Debt- Contact Information XXXX XXXX XXXX XXXX XXXX Mo XXXX I was never contacted for this debt and do not know what it is for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: Experian Information Solutions Inc.
State: MS
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:
XXXX is reporting NEGATIVE information to the credit bureaus, thus adversely affecting my credit score.. MY account is in GOOD standing with XXXX. The account XXXX is NEGATIVELY reporting DOES NOT belong to me! 

Experian has lowered my credit by 12 point, thus changing my creditworthiness!

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 2018-01-12
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I filed a dispute with Experian regarding accounts that were reporting wrong on my credit file and they did a investigation and returned with an answer that the items were included in a bankruptcy. Those accounts were updated as follows : XXXX/ XXXX included in bankruptcy XX/XX/XXXX, XXXX XXXX XXXX included in bankruptcy XX/XX/XXXX, XXXX XXXX  included in bankruptcy XX/XX/XXXX, XXXX XXXX included in bankruptcy on XX/XX/XXXX. All of these dates are incorrect and reporting wrong on my account. I called on XX/XX/XXXX and the rep stated that this information has come back verified and there is nothing that they can do about. From the various dates I can see that this information is not correct. I also went to dispute a number of inquiries that showed on my account and was told that I can dispute inquiries and to contact each company separately. These inquiries do not belong to me and should be deleted. Inquiries : XXXX XXXX XX/XX/XXXX, XXXX/XXXX XXXX XX/XX/XXXX,   XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX. I told them that only inquires made by me should be reporting on my account. They then put a fraud alert on my credit report on XX/XX/XXXX I asked that they remove that from account and they did stating that another bureau reported the information I called the other two bureaus and they stated there was no fraud alert. Experian did remove the fraud alert but have failed to remove these items that they are reporting incorrectly.

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 2018-01-12
Company: Wilber and Associates, P.C.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
THIS IS NOW MY SECOND COMPLAINT ABOUT THIS COMPANY AND THEIR ILLEGAL THREATS AND TACTICS, THIS COMPANY HAS CONTACTED ME AND THREATENED ME NUMEROUS TIMES OVER THE PHONE STATING THEY WERE GOING TO HAVE MY LICENSE SUSPENDED IF I DO NOT PAY THEM, ON NUMEROUS PHONE CALLS YOU WILL HEAR EMPLOYEES YELLING AND SCREAMING AT ME AND EMPLOYEES TELLING ME THAT THEY WOULD NOT BE TREATING ME WITH RESPECT BECAUSE I AM NOT THEIR CLIENT, I HAVE FILED NUMEROUS COMPLAINTS ABOUT THIS BUSINESS AND THE TACTICS CONTINUE I CONTACTED THE COMPANY STATING I AM REQUESTING THAT THEY SEND ME PROOF OF THE DEBT AND THE EMPLOYEE REFUSED TO PROVIDE ME VALID PROOF OF THE DEBT. THE EMPLOYEE STATED THEY ALREADY SENT IT AND I RECEIVED IT AND I HAVE NOT IN FACT RECEIVED ANY WRITTEN CORRESPONDENCE FROM THIS COMPANY, THIS IS NOW A VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES AND IM DEMANDING THIS ACCOUNT BE CLOSED DUE TO NUMEROUS ILLEGAL VIOLATIONS IF THEY DO NOT CLOSE THE ACCOUNT OUT WITH A {$0.00} BALANCE I WILL PROCEED WITH LEGAL ACTION.

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 2019-04-09
Company: Social Finance, Inc.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My account was " temporarily restricted '' on XX/XX/2019. All I tried to do was transfer funds into the account from a linked external account. I've attached the email at the end of the complaint. 

It has not been more than two weeks and my funds are frozen. No transfers in or out are allowed. I have absolutely no access to my funds. 

Moreover, no explanation as to why my account has been frozen has been given. All I was ever told was " We are still reviewing your account because our system alerted us to some inconsistencies between activity on your account and the terms of our member agreement. We do not currently know what specifically those inconsistencies are and that is why we are taking the time to review everything before we reach out to you with an update. '' Even after I asked them about which sections or clauses of the member agreement were violated, they never got back to me. Customer Service has absolutely no information on this. They haven't made any progress on this " review '' after I've repeatedly made it clear that there has been no fraudulent activity on this account. 

-- -- -- -- -- - Original Email : " Hi X, We take the safety and security of our Members accounts very seriously. For your own protection, your SoFi Money account ending in XXXX has been temporarily restricted. 

While we review your account and determine next steps, you will not be able to perform : Deposits or withdrawals from your account Electronic or check transfers to or from your account including Bill Pay Debit card purchases P2P transactions In the event we need additional information for our review, we will contact you directly. We will also notify you once the review is complete within the next 7 to 10 business days. We appreciate your patience while this process is completed. 

Best, The SoFi Money Team SoFi Securities LLC ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: Experian Information Solutions Inc.
State: AL
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:
I recently for an apartment and I got denied. I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on, but these items are not mine and they all need to be deleted from 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 explanation
Consumer complaint received 2019-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX and XXXX XXXX XXXX XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 12 and 13 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, it is coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. 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
Consumer complaint received 2018-11-15
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX processed a mortgage modification for my residence. I made the 3 trail payments and my mortgage servicing was sold to Rushmore Loan Management. Rushmore would not honor the previous modification agreement they increased my monthly mortgage payment and referred my loan to a foreclosure attorney. I do not think I have been treated fairly I've been working with XXXX XXXX at Rushmore as the single point of contact. She is unwilling to assist me with my mortgage as well as Rushmore Loan Management. I don't want to lose my home. 


See Attached

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: Grant & Weber
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To whom this may concern. I sent a letter out to the Grant & Weber debt collection agency on XXXX XX/XX/2021 requesting a complete audit trail, explanation of the alleged debt that is showing on my credit report, my signature showing I gave Grant & Weber authorization to report any information on my credit report, and a signature showing that I gave them permission to have my personal information in their possession. This company failed to respond to me. I also requested an agreement that grants them the authority to collect the alleged debt from me, a copy of their state license, and the license number that gave them rights to collect in my state ( New York State ), the purchase agreement, and other things that will be listed in the attached letter I sent them. I informed them if they lacked proof that I gave them permission to use my social security number, they are committing identity theft and I will report them. At this point in time they have ignored my request, and I have not received any correspondence from them as of yet. I am requesting you contact this entity so that they will provide the documents that I requested and deleted this information from 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 explanation
Consumer complaint received 2019-04-09
Company: BB&T CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/2018, I ( XXXX XXXX ) ordered an official cashiers check at a local BB & T branch located at XXXX XXXX XXXX XXXX XXXX, SC XXXX. The check was made out in my name ( XXXX XXXX ) for XXXX XXXX XXXX XXXX XXXX and XXXX cents ( {$2100.00} ). I requested this check on my own accord because I planned to close my account at BB & T and place the remaining funds into my XXXX  XXXX savings account. I endorsed my name on the back which is verified by the scanned images attached to this document. On XX/XX/2018 the check was electronically deposited by my mobile device into my XXXX XXXX Savings account. Please refer to Attachment No. 1 scanned document of the cashier check. On XX/XX/2018 my XXXX XXXX savings account had an adjustment debited for the amount of {$2100.00}. Once I was made aware of this I had started my own investigation process to determine where the funds were transferred to. 

On XX/XX/2018, I met with BB & T Branch Banker XXXX XXXX to discuss my account issue and to determine where my funds have been transferred. After XXXX XXXX research, she informed me that the funds had been physically deposited a second time to a XXXX XXXX XXXX location in XXXX, SC. The account belonged to an individual that opened the account at XXXX XXXX XXXX location in Virginia. Under XXXX XXXX recommendation, I filed a police report with the XXXX XXXX Police Department. I contacted an investigator at XXXX XXXX and informed them of the situation. XXXX XXXX launched their own investigation into the account and sent a copy of the second deposited check with alterations made to the bottom of the endorsement line. Please refer to Attachment No. 2 scanned document of the altered scanned document. 
The check was taken from my possession and wrote a Pay to ( Person 's Name ) description with a signature under my own endorsement. This was conducted without my knowledge or permission. I requested that BB & T and XXXX XXXX banks investigate the matter and have received no attention or concern.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: Receivables Performance Management, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have not received any documentation validating the debt that they are trying to collect. I have not been provided with a contract or any instrument bearing my signature validating that this debt is mine

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 2019-04-09
Company: Santander Consumer USA Holdings Inc.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
In XXXX of XXXX, I bought a used car with the lender called XXXX  XXXX and paid my car note on time on the 3rd of every month. On XX/XX/XXXX of XXXX, I bought a brand new XXXX XXXX. The salesman at XXXX told me not to pay my car note to XXXX XXXX because since I was trading my old car in, XXXX XXXX would be buying out my previous lender. XXXX XXXX continued to call me so I spoke with someone and explained that I traded in the vehicle. They told me that they didnt receive word of anything and that I needed to contact XXXX. I called XXXX and they assured me that everything was fine. I then noticed on my credit report that my XXXX  XXXX account had finally been closed on XX/XX/XXXX of XXXX with a 30 day late delinquency, which dropped my score 40 points. I have never been late a payment and they stated that my late payment was the month I didnt own the car. I disputed this twice with transunion, only to be told that it was accurate. I then called XXXX XXXX myself and was told that what I was supposed to do, was pay for the car I no longer had until the account was closed. I had no knowledge of this even after speaking with someone prior from the company. They told me that they had trouble calling my cell phone. I have an email address and a physical address with the company so I dont understand why phone was the only way they tried to contact me. I was never told that I had to keep paying even if I didnt have the car. I never had a late payment so why would I pay late the very last month?

Company response to consumer: Closed with explanation