BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted this bureau a few times in the last 90 days on XX/XX/108 and XX/XX/2018. Both times i disputed and reported to them about these unauthorized hard inquiries.They have not sent me any results via us postal mail or email. these unauthorized inquiries were not authorized by me and I need them removed immediately. They are affecting me from obtaining credit and moving on in my life.

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 2021-05-02
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have received a copy of my credit report and it shows company XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$440.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

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 2021-10-06
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have five unauthorized hard inquiries on my credit report. I tried calling the companies directly who told me to call XXXX which directed me here. The dates are all from XX/XX/2020. Please help me proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Submitted a dispute and the credit bureaus took longer than the allowed amount of time by law for resolving the inaccurate information.

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 2019-02-27
Company: Pendleton Capital Management
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Repeatedly calls daily, will sometimes leave a message. Has left one message, the voicemail says ... Good afternoon this message is for XXXX XXXX, my name is XXXX, I'm in the claims department here for Pendleton Capital, if you could please give me a call back at XXXX ext XXXX, when calling back please refer to claim number XXXX. We have a claim here that we need to speak with either you yourself or your legal consult to come up with some type of resolution. If I don't get a response back I will have to put a recommendation to proceed and forward it out. Claim number is XXXX and I can be reached at phone number XXXX extension XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: NCB Management Services Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I pulled my credit reports back in XXXX and Noticed that a car that i purchased showed for the full amount of $ XXXX when it was a total loss and insurance paid it off. 

XXXX never sent me any information on that account after the accident. 

That car was purchased in XXXX and they reaged it on my credit report. 

They sold the debt to NCB they are a collection agency and they never contacted by mail. I disputed the debt it was removed then it was added back to my reports a year later without them notifying me within 5 business days that it would be put back on my credit file. Now both XXXX and NCB are trying to collect a debt that is not owed at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Complainant belongs to a class of persons whom the Fair Housing Act ( the Act ) protects from unlawful discrimination because of race. Complainant sought to obtain information on a USDA loan through Respondent Wells Fargo Bank , National Association ( Respondent WF ), and Respondent XXXX XXXX XXXX XXXX ), Loan Officer, alleging he had been pre-approved through USDA Rural for {$260000.00} with $ O down-payment and wanted information on rates and loan amounts because all his banking accounts were with Respondent WF. The property he was looking at buying was located at XXXX XXXX XXXX, XXXX XXXX XXXX County ), South Carolina, and did not foresee any issues obtaining the loan through Respondents WF and XXXX. Complainant alleges on XX/XX/2021, he was told by Respondent XXXX that he did not qualify for a USDA loan, but did qualify for an FHA loan, with a {$16000.00} down-payment. Complainant alleges he did not understand why he was denied the USDA loan through Respondent WF and XXXX, because he alleged, he met all the requirements, hence the pre-approval. Complainant alleges on XX/XX/2021, he received an official letter of denial fom Respondent WF stating he did not qualify because of information obtained on his crcdit report. Complainant alleges he feels he was treated differently than non-XXXX XXXX applicants, because it was only after he answered the preliminary questions about his race that he received the denial from Respondent XXXX and believes if he were Caucasian that he would have been approved without any issues. XXXX further alleges he contacted Best Life Mortgage and was approved for the USDA loan at {$320000.00}. XXXX feels discrimination occured against him bccausc of his disclosed race in violation of the 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 2018-04-20
Company: Specialized Loan Servicing Holdings LLC
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
SLS - XXXX XXXX XXXX denied recent loan modification on XX/XX/XXXX after referral from Attorney Generals office affiliated community agency. The home modification affiliated agency attempted to assist me. SLS had promised me last year and in XXXX that they would give me a modification with a lower interest rate of 2 % and balloon payment at the end, when I was struggling with work related injuries, discrimination since XXXX at work resulting in a civil case filed last month. SLS stated I owed {$190000.00} dollars and total principle is {$570000.00}. I had chapter XXXX filed. In XXXX. 
I contacted Hope program on XX/XX/XXXX after getting the loan modification denial from SLS. Hope program told me that my loan was neither generated from XXXX XXXX or XXXX XXXX and referred me to a Hud affiliated agency on XX/XX/XXXX. The Hud Agent took my income information and found a surplus of over $ XXXX monthly and was surprised I had been denied a modification by SLS. 
The Hud affiliated Agent got my permission and made a 3 way phone cal, to the SLS Representative in attempt to assist. The SLS was arrogant and would not budge and kept saying that I had an interest rate of 2 %, to which I replied no, my interest rate is currently listed as 4.75 % on all bank mortgage statements from SLS. The SLS agent then resorted to mentioning a supposedly prior modification done in XXXX which had fluctuating integrate from2 % during first year to 3 % ; to 4 % and then kept climbing. 
I told the Gentthat SLS had not been honest and led me to believe that I qualified for a loan modification after completing my Chapter XXXX plan / discharged in XXXX in a very satisfactory manner. They ( SLS ) waited and dropped the terrible news of a loan modification denial and they are sneaky about what they are actually planning to do so that time lapses. I have lived in the home for XXXX years and worked hard prior to my work related injuries and now I have a good income to cover all expenses with more than a {$1800.00} monthly surplus. I have 2 cases related to my work injuries in state court and 1 in federal court. Please help me and my family. Thank you. 
Conclusion : SLS can show their commitment to serving communities and struggling home owners by following through with their promise to modify my home. Just because I received XXXX loan modification by a different servicer, XXXX then XXXX XXXX XXXX, should not be a factor according to law. It has been more than 8 year to date. Their terms can be looked into so that they lower my interest rate to 2 %. Deceptive practices hurt communities and the very foundation of building our lives from the bottom up through hard work.k

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 2020-11-25
Company: Dovenmuehle Mortgage, Inc.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
According to the terms of my mortgage, I am able to make payment between XXXX and XXXX of the month. 

I would like to make my payment on the XXXX of the month. 

I asked my servicer ( not sure if it is technically XXXX XXXX XXXX or Dovenmuehle ) and they are unable to process auto-payment past the XXXX of the month due to a systems limitation. 

My complaint is that the system should be able to accommodate ability to make an auto-payment within the terms of the mortgage ( between XXXX and XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: Advance America, Cash Advance Centers, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In XX/XX/XXXX I obtained a payday loan through Advance America. In XX/XX/XXXX, a collection agency contacted me for payment, which I payed. Through the past eight years, my area has suffered through numerous floods and hurricanes. All of my paperwork has been destroyed. Also through the years, many collection agencies have contacted me for payment. I have recently found out through the manager of my local Advance America, that their system was breached by hackers. My personal information was used and is continuing to be used and various people have contacted me pretending to represent Advance America. XXXX  was found liable for their computer breaches. so should ADVANCE AMERICA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: Credit Corp Solutions Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/XXXX, I filed a complaint with the CFPB regarding Credit Corp Solutions and their calling me at work after I had asked them not to, and their illegal threaten of legal action. In their response, they agreed to settle for {$1200.00}. Unfortunately, I had to put that money elsewhere, and I was also afraid to give them access to my bank account information due to the fact they had violated rules earlier and I could not trust them to keep their word. 

On XX/XX/XXXX, I received a letter from XXXX XXXX  XXXX, dated XX/XX/XXXX stating they represented Credit Corp Solutions in the matter of a debt with XXXX XXXX in the amount of {$2400.00}. On the same day, XX/XX/XXXX, I contacted XXXX XXXX  XXXX through their website and requested validation of the debt. 

I did not receive any validation or verification from XXXX XXXX  XXXX, and therefore had no reason to believe they legitimately could collect this debt. 

On XX/XX/XXXX I was made aware that a complaint had been filed against me in this matter in my local court, despite the fact that I had requested validation from XXXX XXXX XXXX. Now I am being sued for this debt by a company, Credit Corp Solutions, who I had previously agreed to pay and had made an agreement with because they broke the rules and now their attorney has as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: CITIBANK, N.A.
State: IL
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:
On XX/XX/XXXX a payment for my Citibank credit card was requested by the over the phone automated system, requesting that {$8700.00} be paid to my Citibank credit card using the bank account and routing number I had on file ( my checking account via XXXX XXXX XXXX  ). I did not make this request, there is no call in my call history on my phone showing that I called Citibank to allow this payment to go through. I did not receive an email confirmation of this payment going through or being accepted so I had no knowledge of it. On XX/XX/XXXX, the check cleared for XXXX, draining my bank account of almost all of my cash ( and some overdraw from savings ). When I called Citibank to inquire, they told me that the payment was valid. I asked for a call log to be pulled, and they were able to confirm that the phone number that called to make the payment was NOT my phone number on record. After many frustrating calls, they told me they would reverse the payment and refund my bank account within 3-5 business days. After the fifth day, I called Citibank to inquire about my refund, they told me that it was not being processed and that it could take up to 30 days. I asked why and they said they needed XXXX XXXX XXXX to confirm they were not planning on retracting the check. I asked when they would be able to call XXXX XXXX XXXX and they told me within 30 days. After a lot of pushing, I was able to get Citi on the phone with XXXX XXXX XXXX  to confirm the check wouldn't be retracted. They then told me now it would be another 3-5 business days to get my cash back into my account. It's theXX/XX/XXXX and I still do not have my {$8700.00} back into my account. I did not make the payment, clearly that is the case since Citi confirmed that it was not my phone number that made the call. I'm owed my money back and the fact that I'm out of that much cash, is unnerving. Citi has provided me no resolution or assurance that they have the right checks and balances in place for over the phone payments. Since no one from Citi is helping me, I've decided that I needed to contact you. Thank you for your time.

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 2018-04-19
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
An account closed by credit grantor is still showing on my equifax report even though it was closed on XX/XX/2011.This is a fair credit reporting act violation. It is older than seven years. I have tried calling, but I keep getting the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Experian Information Solutions Inc.
State: AR
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 is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items :

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 2022-10-13
Company: EQUIFAX, INC.
State: AK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
There is an account on my report from XXXX XXXX  that has not reported new information since XXXX 2022. There are now TWO accounts on my credit report from XXXX XXXX, even though I only hold one line of credit. The should not be two accounts on my credit report from XXXX XXXX, and the correct balance is XXXX DOLLARS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: I.C. System, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
1. Completed a police report on XX/XX/XXXX 2. Sent a letter certified mail to IC system XX/XX/XXXX for validation of the debit and got no response 3. Active fraud alert is on file with all 3 bureau 's

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 2020-11-24
Company: Experian Information Solutions Inc.
State: NJ
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/XXXX or XXXX of this year 2020, I submitted a dispute letter to XXXX, Experian, and XXXX  about inaccuracies being reported on my credit report. I included identification documents and a utility bill. I also included screenshots of the accounts and highlighted the inaccuracies being reported. I also requested copies of documents for each of the accounts including the Original Contract, Pay Off Disclosure, Interest Rate Disclosure, Balance History, Payment History, and Credit Insurance. On XX/XX/2020 i submitted a 30 Day Demand To Comply Letter. I am asking for the accounts to be deleted from my credit report completely immediately. I have not gotten a response from the company and it is past 30 days. Please help.

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 2019-08-02
Company: BARCLAYS BANK DELAWARE
State: FL
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:
This is an extension of Complaint XXXX. After Barclays failed to adequately address my concerns, I discussed with Barclays representatives that i would return the merchandise that was purchased. I was told by XXXX XXXX and two other employees of Barclays that i would receive a full refund of the exact amount I was charged without any exchange rate issue. These people were XXXX id # XXXX, XXXX XXXX id # XXXX and XXXX XXXX. In reliance of these three representatives, I returned the merchandise and was issued two receipts equal to the purchased amount in Euros. No restocking fee at all. However, Barclays, did not give me a full refund. The difference is nearly {$40.00} off from what was charged on my account. I want the full refund of my two charges as represented by these people. I am attaching receipts and screen shots of my account.

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 monetary relief
Consumer complaint received 2022-02-28
Company: Flagstar Bank, N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
While in the process of refinancing my mortgage, Flagstar charged me {$30.00} to supply payoff statements by email to my new lender. This fee was assessed 3 times, for a total of {$90.00}. I was not made aware of the charges until the day of closing, so was unable to avoid this fees. These charges are deceptive, extortionate, and insanely excessive. 

Flagstar Release of Lien misspelled my name.

I attempted to contact Flagstar regarding these issues, they stated that there would have been no fee to have the payoff statements mailed. This doesn't make any sense since mailing is the only option that would have cost Flagstar money. I was never informed of the $ XXXX statement fee, nor given the option to request payoff by mail. Since I can generate payoff statements for free online, $ XXXX is insane. 

Furthermore, this fee was deceptively listed on the payoff statement as a " email/fax fee ''. I had to call for an explanation. Having been transferred several times, they eventually hung up on me.

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 2021-05-24
Company: EQUIFAX, INC.
State: IL
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 applied for a mortgage with XXXX XXXXXXXX XXXX and XXXX. Both lenders pulled my credit multiple times. Each time plus more times. My credit was pulled a total b of 5 times. Each time Equifax miss merged another person 's social security, date of birth. Address and credit history with detailed accout information on my credit report. This persons debt is causing me to have a HIGH DEBT RATIO. causing me to be a risk at losing my mortgage approval and home. I've called Equifax every day since XX/XX/2021 to resolve the miss merged. Please help

Company response to consumer: Closed with explanation