BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-28
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have IRMA damage to my home in XXXX County Florida. I had to sue my insurance company to get coverage. While I'm waiting on the lawsuit to end I fix the house with SBA money and my own money. Insurance company settled in XXXX. In XX/XX/2019 I received 50 % of my monies from LoanCare ( mortgage servicing company ) on XX/XX/2019 I received a 100 % inspection but LoanCare will not release the remaining funds. I've called them countless times and they keep telling me I need additional paperwork. LoanCare has all of the required paperwork. They just will not release my remaining funds because I did some of the work myself and they don't know how to handle that.

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 2020-07-15
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I emailed all my personal documents to Ms XXXX and filled out the form on Wells Fargo website. She called me on the phone many times and spoke to me. Told me I would get the REFI with a rate 3.45 commiserate to my credit score. She said there is no reason I could not be paying the amount she asked me how much {$1800.00} that is so much more affordable ( she did some calculations while speaking to me ). She even told me that I would stop paying the FHA insurance payment. But wells fargo did not give me the loan modification NOR refinance AT ALL. They sent me a denial letter with absolutely no reason listed. They treated me with bias and want me to keep paying the ridiculously high mortgage amount. 
Modify the loan to make the payments lower. I am a single mother of XXXX kids. I am trying to keep my kids straight, keep a roof over their heads and send them to college. 
This whole mortgage fiasco is set up to take advantage of naive trusting consumers such as myself.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: EQUIFAX, INC.
State: VA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some inquiries. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-10
Company: ENCORE CAPITAL GROUP 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:
MIDLAND CREDIT MANAGEMENT has placed an account on my consumer credit report for {$4600.00}. This company is also reporting inaccurate information across all 3 bureaus. This company is a 3rd party company and is in violation of my consumer privacy rights such as 15 u.s code 1681b, 15 u.s code 1692b ( 2 ) and 15 us code 1692e. 
Due to, I never gave consent verbally or in writing would result in identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Tried using my Citi credit card, but Citi freaked out and blocked it. No valid reason for a block. All paid up and current. Anyway, the XXXX lady on the phone at Citi ( likely sitting in a XXXX sweat shop ) flat out refused to help me because I dont have a phone that texts. 

Over 75 million Americans dont have smartphones and Citi despises us all. They discriminate against each and every one of us. We are the elderly, minorities, rural residents, landline users, people living/working in bad cell coverage areas, and many who dont want to have to text with a call center in XXXX. 

And dont it beat all common sense that smartphones are easily spoofed. Mobile numbers get hijacked faster than a toupee flies in a hurricane. Citibank clearly prefers criminals more than certain demographic categories of real customers. 

So if youre either a smart criminal, or a white XXXX year old techie, well then, Citi is glad help you. But us 75 million lesser Americans? Citi is just trying to scrape us off their shoe. 

Youd better believe the CEO, XXXX XXXX XXXX, is the lead racist, hater, and elite - condescending against 75 million American citizens. Just give him the XXXX helmet already. And the Executive Response Unit is a joke. Theyll tell you to XXXX with evasiveness and ambiguous words, hoping us peons go away. Id bet they have a portrait of XXXX XXXX on the wall in the XXXX office. The minister of XXXX propaganda was a mastermind of manipulation, deception and discrimination. Wicked evil. Just like Citibanks XXXX endeavors to be. To get a job at Citi, you probably have a XXXX tattoo. Id like to think Citi goes the way of the XXXX party. They sure deserve 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 explanation
Consumer complaint received 2020-04-21
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
issue 1 ) Equifax keep adding XXXX  XXXX XXXX back to my credit report. it was removed once based on the information provided to them years ages ago. now it is reshowing again. 

issue 2 ) Equifax also refuse to let me have access to myequifax portal to review my information. When I sign into my account it inform me to call customer service and I do. I explain that i am trying to log into my equifax portal account and it told me to call customer service, the representative i have spoken with have been no help and this has been going on for 2 yrs now. of trying to get access to my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Sentry Credit, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I received a call on .y work number from. An XXXX who bullied a rep to transfer her to me. I am not allowed personal calls at work. I have never heard of Sentry Credit Inc. I have no business to my knowledge with them. The rep XXXX didn't want to respect my request to not contact me at work. She continued to try to keep me on the phone. I advised XXXX I had no clue who she was & my work number can not be called. The number she called from is XXXX. This company can cost me my job by calling me at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I reported check fraud to Truist Bank on XX/XX/XXXX. A check I made out to CMS medicare in the amount of {$1200.00} was apparently stolen and the payee and amount changed to {$5000.00} and subsequently deposited into the fraudulent payee account at XXXX XXXX XXXX Truist case no. XXXX. 
A notarized affidavit was sent in via local Truist branch the same day. The local branch representative stated this was a common occurrence and was usually deposited into XXXX XXXX via mobile app. ( which I have since learned is called check washing ) A police report was filed XX/XX/XXXX ( case XXXX ) with the local police department with the same information. Once again police stated this happens a lot. 

Truist Bank has denied my claim for reimbursement.

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 2020-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
On XX/XX/2020 I contacted TransUnion by certified mail. I requesting TransUnion to update and correct all the false, incorrect, and inaccurate information on my credit file with the company. The letter was notarized and it included the legal following documentation that TransUnion requires a copy of my social security card, government picture ID, proof of address.

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 2021-06-01
Company: EQUIFAX, INC.
State: LA
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 have disputed this account several times to the credit bureaus. I have sent them a copy of the debt cancellation letter and its still not being removed. Please help I called XXXX Bank and they have said there isnt anything else they can do This is a XXXX XXXX/XXXX  bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: Regional Management Corporation
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: Credit inquiries on your report that you don't recognize

Complaint:
I disputed with XXXX XXXX XXXX inquiries that were not authorized by me. I also contacted XXXX XXXX made two inquirys on XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: EQUIFAX, INC.
State: PA
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:
Hello around the end of XX/XX/2023 as I was going through my credit report I noticed some violations. 15 U.S. code 1681s-2. There was no written permission from XXXX XXXX XXXX to have anyone published at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-03
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have a 15 year balloon payment due in XX/XX/XXXX. Mr Cooper is the mortgage company. We accept responsibility for loan. We have paid this loan monthly since XXXX. 
Our issue is that we never received information regarding the loan expiration. 
We had resources that if we had gotten info saying the XXXX was due we would have taken measures to stop this. Telling us on XX/XX/XXXX when we are making a payment and demanding full payment is beyond our means We have reached out to this company for options has not being fruitful. We are registering a complaint with Mr Cooper in hope that this complaint will help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2021 : Used USAA Mobile APP to deposit two XXXX XXXX XXXX XXXX in the amts of XXXX and XXXX. Noted that {$700.00} would be held from the 2nd deposit.

Contacted the bank to request funds be released ( need to pay the rent! ). Was informed that the image of the check for {$800.00} was not yet available. Supervisor I spoke with stated that he would be happy to release the funds under the circumstances but without visual verify of face of check there was nothing to be done. Instructed me to return call the next day. 
XX/XX/2021 : Contacted USAA. Spoke with member of Executive Resolution team who stated that since I had had an NSF within 90 days that they would not release the funds.

Note that USAA had most recently NSF 'd an {$80.00} pmt to XXXX XXXX ( USAA is my current Insurance carrier ) when the account had $ XXXX. It is a curious coincidence. 

In truth, owing to unemployment during COVID era I had had some difficulty making ends meet. However, I have been working and depositing XXXX $ XXXX weekly for about 8 weeks. I have had a couple of NFSs ( valid ) while I am paying out large sums to bring other accounts to current and adjusting to the new pay schedule. 

I learned from one of the USAA reps that Digital Deposits are not covered by Expedited Funds Act nor the XXXX XXXX  ' act. Result is that it seems that it is a gray area and USAA makes its own policy. 

USAA has a single branch in XXXX XXXX, TX. 
USAA does not have/offer walk-in service agreements with any other banks. 
The only way to deposit funds is either payroll deposit or through their digital deposit phone app. 

The above facts put EVERY depositor in a situation whereby USAA can, and does, act only on policy and holds deposits for longest period of time permitted by law. In my case, I was informed that my funds would be released at XXXX XXXX on XX/XX/XXXX - XXXX business days later. This hold is placed on an instrument that must be paid for in CASH. A XXXX XXXX MO is no different than a certified bank check -- excepting the requirement of membership at that institution and the cost where applicable. 

The practice of only offering digital deposits and holding nation brand Money Orders for 5 bank days serves only to provide revenue to USAA. It is an unfair practice and skirts the intent of recent banking laws by hiding in the text they were written in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
SOMEONE HAS STOLEN MY IDENTITY. I DONT RECOGNIZE ANY OF THESE ACCOUNTS.PLEASE REMOVE THESE ACCOUNT 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 2020-12-04
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Dear US Dept Of Edu : Thank you for sending me your internal records of the debt ( US DEPT OF EDU ) Account # XXXX, however you did not VALIDATE THE DEBT. YOU DID NOT provide me a copy of ANY original documentation ( a consumer contract with my wet-ink signature on it ) or provide a valid E-Signature stating my IP Address with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I also have provided FACTUAL EVIDENCE ( see screenshots attached ), circled the items and pointed out with arrows multiple inaccuracies reporting from ALL THREE CREDIT BUREAUS including reporting payments on a CLOSED ACCOUNT & RE-AGING THE ACCOUNT ( please see attachment ) which is in violation of the FDCPA. You stated in writing that you verified that these items are being reported correctly so how could this happen? Are you being prejudice against me? I am certain you are aware that it is against the law to threaten suit without the intention of doing so. Therefore, be advised that I am very serious about filing a suit against your company. I HAVE PROVIDED MY UTILITY BILL FOR ADDRESS VERIFICATION AND ID AND SOCIAL SECURITY # Best Regard, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: Experian Information Solutions 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:
Hi guys. I'm hoping you could help me with a little problem I'm having. I can't seem to get the credit bureaus to investigate an account I disputed through them. I sent them a letter over a month ago and I haven't seen any letters come back to me telling me if my account was deleted or verified. I've disputed things with them in the past about 4 to 5 years ago so I'm familiar with the process. None of my disputes in the past ever took this long so I'm really worried they are just ignoring me. 

The letters have the right address so I know it's not because I sent them to a wrong place. Can you make them investigate this for me please? This is the only collection account on my credit report and I don't owe it. Thank you for helping me with this.

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 2022-12-07
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:
This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts 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 accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX, XXXX, Experian have all stated that the investigation was completed, that they in fact found that XXXX confirmed that the bankruptcy belongs to me. However, in complaint XXXX against XXXX, they actually have DELETED the bankruptcy from my file. XXXX DID not conduct an investigation like they claimed.

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 2018-02-27
Company: EQUIFAX, INC.
State: KY
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 filed a lawsuit for a credit card claim which I did not make. Case # XXXX in XXXX County District Court in XXXX, Ky. Waited for over a year for it to go to court. XXXX 's lawyer showed up before my case and did not have any complaint for me and judge dismissed the case for lack of prosecution dated XX/XX/XXXX. My lawyer wrote to the three credit reporting agencies, XXXX and XXXX removed the bad claim but Equifax refused to remove the false charge. This has been going since XX/XX/XXXX and I have filed complaints to them every month up to XX/XX/XXXX. Supporting documents are available.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I've had an HSBC credit card for a few weeks. Unable to log on HSBC website. Message says, " unable to access your information ''. I've called HSBC over six times and have spent HOURS on hold with no resolution. My card is apparently invalid, but company hasn't told me why. I'm concerned about the possibility of fraud and my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 want to inform you AGAIN I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief