BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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 am writing to express my deep disappointment and frustration regarding the ongoing issue of fraudulent hard inquiries on my credit report. Despite my repeated attempts to resolve this matter, I have not seen any progress or positive results from your end. I urge you to understand the severity of this situation and the impact it has on my financial well-being. 

I first raised this concern with your agency on XX/XX/2023 via mail when I noticed unauthorized hard inquiries on my credit report. I followed the appropriate procedures, submitting all necessary documentation to support my dispute claim. To my dismay, several weeks have passed, and these fraudulent inquiries remain unchanged on my credit report. 

XXXX - XX/XX/2023 XXXX XXXX - XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Finance of America Holdings LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We purchased this house with a FHA XXXX loan. The total loan amount is $ XXXX. The property purchase price is $ XXXX leaving $ XXXX for renovations. We have only used $ XXXX leaving a ballance of $ XXXX. We do not need the $ XXXX remaining. I want my mortgage to refect that amount ( $ XXXX ). We needed this modification because the banks HUD Inspector approved the contractors bid that the inspector knew could not be done for the amount quoted. The inspector told us this in XX/XX/XXXX. That why we needed the first modification. We supplied all finishing materials which made rehab fit the remaining budget. When we moved in on XX/XX/XXXX, all the plumbing had to be redone, everything leaked. The inspector approved and paid for faulty plumbing. We asked for a second modification to cover the cost to make repairs. All modifications were necessary because the inspector failed to do his job. 
Finance of America 's XXXX XXXX recommended the realtor XXXX XXXX XXXX. Who recommended XXXX XXXX XXXX XXXX who grossly under bid the contract, and breached the same contract. Then Finance of America 's HUD inspector XXXX XXXX recommended XXXX  XXXX, who he has paid for unnecessary and incomplete work XXXX. The broker recommended the realtor. 
XXXX. The realtor found the house and the contractor, who breached his contract XXXX. The HUD inspector recommended the second contractor who has not completed the work but has been paid.This has predatory tendencies all over it and a whole lot of conflict of interest, nepotism, and fraud.

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 2021-03-05
Company: Local Data Recovery, LLC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX I contacted LDR Group at XXXX, as a result of LDR contacting my brother and leaving a message on my voicemail. XXXX XXXX left a number to contact him with my file number. XXXX XXXX was very aggressive when speaking to me. He asked me to confirm my last four SSN, I refused. He then asked me to confirm my DOB I also refused. I asked XXXX XXXX what was this in reference to, he told me a credit card account XXXX XXXX XXXX XXXXXXXX. I then told XXXX XXXX that this debt was an old debt. XXXX XXXX then told me that I had just paid XXXX on this account. I told him that was not true. XXXX XXXX then told me that I would be sued for the debt. I told XXXX XXXX that I could not be sued for a debt that was over 6 yrs old. I told XXXX XXXX that I did not want to be contacted about this debt and to not verbally contact me. I asked XXXX XXXX for a mailing address that I would use to address this matter. XXXX XXXX refused. I asked multiple times and XXXX XXXX still refused. I then disconnected the call. 

XXXX XXXX XXXX acct XXXX XX/XX/XXXX, first date of delinquency was XX/XX/XXXX. The High balance was {$460.00} The Account was charged off XX/XX/XXXX After several unsuccessful attempts to get a mailing address, I was finally given the address : XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX. After checking the address I realize that I was given the address of the XXXX XXXX After my own research I found the company address as XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX

Company response to consumer: Untimely response
Consumer complaint received 2023-11-28
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
XXXX XXXX Account # : XXXX Open Date : XXXX Account closed and reported under my name on XXXX XXXX XXXX. This account has been opened under my name without my authorization or permission. I have reached out o the bank and nothing was resolved. I have pure rights and am entitled for my name to be secured without being tampered with. I have no knowledge of this 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 non-monetary relief
Consumer complaint received 2018-07-30
Company: AMERICAN EXPRESS COMPANY
State: NC
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:
On approximately XX/XX/18 when checking my credit report i noticed an unauthorized hard inquiry from

AMEX on BOTH my XXXX nad XXXX  credit report that i did not AUTHORIZED. I spoke with the AMEX Fraud department by phone once i was notified of these unauthorized hard inquires.

after being asked security questions by Amex i was told they will contact the Credit bureaus and have those Hard Inquiry 's removed and my report will reflect that in 30 days, it have been 3 months and it appears i was lied to and deceived by AMEX.

They did not remove those unauthorized hard inquires from XXXX and XXXX but allowed it to stay to intentionally hurt my credit score.

I contacted both XXXX  and XXXX on XX/XX/2018 and was told AMEX never contacted them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-24
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On multiple occasions the company in question has abused its overdraft fee and caused me copious amounts of money from my own checking account, forcing my account to be deeply in the negative, to the point were a massive portion of my own biweekly check is used to cover said fee.

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 2023-08-23
Company: U.S. BANCORP
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
The following is in response to my previous complaint : XX/XX/2023 Elan Financial Services Customer Assurance Retail Payment Solutions Office of the President XXXX XXXX XXXX XXXX, ND XXXX Re : Account ending in XXXX Dear XXXX, I am writing to inform you of the severity and gravity of the actions taken by your company regarding my account. The reduction of my credit limit based on a payment that was not even 30 days past due is not only an unfair practice but has caused substantial inconvenience and stress. 

This decision appears to be in direct response to my earlier complaint, and I must stress that I find these actions unacceptable and unethical. If my credit limit is not restored to its previous amount, I am prepared to take further action, including but not limited to seeking legal recourse and escalating this matter to regulatory authorities. 

I have been a responsible cardholder, and the handling of this situation by Elan Financial Services falls far below the standard of fair and transparent business practices that customers should expect. 

I strongly urge you to review this matter with the utmost seriousness and take immediate steps to rectify this situation. I expect a response within [ reasonable time frame, e.g., 10 business days ], confirming the restoration of my credit limit. 

Should my request not be met, I will have no choice but to pursue all available options to protect my rights as a consumer. 

I can be reached at [ your contact information ] should you wish to discuss this matter further. 

Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX cc : Consumer Financial Protection Bureau 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 2022-01-28
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This company has the WORST customer service reviews I have EVER seen! I have called and emailed several times with NO response. HORRIBLE! I have tried several phone calls and messages to NO avail. Your company has the worst customer service ratings I have seen online! You bought my mortgage from XXXX and increased my payment {$300.00}!!!! I have tax records and insurance records that show NO such increase is valid therefore continue to pay the same monthly payment. No one has responded to letters, emails, phone calls or online chats for the increase!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Please refer to CFPB Case # XXXX In short : BMO bought Bank of the West and XXXX screwed up the website when they took over in XXXX. I was trying to compile my XXXX tax info, but when I downloaded XXXX statement files, they were actually random statements from XXXX, not XXXX. I then tried to access the site again while traveling, but was blocked because BMO would not send me a code via email, as Bank of the West had always done. Thus I could not submit my tax info on time to my accountant, who charged me {$600.00} late fee, due to BMO 's incompetence and neglect of its customers.

In my previous complaint, I noted that my CPA would likely charge a late penalty, and I finally received ( and paid ) the invoice, which includes the late penalty. I attach the CPA 's invoice.

I request BMO reimburse me for the {$600.00} late fee.

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 2020-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
XXXX XXXX was my old cell phone provider. I left thinking I had a XXXX balance. After I left I guess another bill came in or something I did not know about. The admitted on the phone with me they had the wrong contact info as far as email and that they may have never tried to call as my number had not changed. They did not try and call me for sure. No voicemail or email or phone call or text. They then reported this to XXXX, Transunion, and XXXX. This is how I found out I had the debt. I called and paid it but they refuse to remove the credit reporting even though I was never contacted and given a chance to even make sure it was legit or to dispute it. I disputed this with XXXX but they confirmed it and didn't take into account what I said about never being contacted at all. XXXX could not have confirmed they contacted me as they admitted they didn't have the right information and never called.

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 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-01-28
Company: Experian Information Solutions Inc.
State: NY
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ... 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 : also states a consumer reporting agency can not furnish an account without my written instruction.

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 2020-01-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For the past 10 years I have been disputing 3 items on my credit report with XXXX all three items are from a credit bureau by the name of Portfolio Recovery. I send in a new dispute every couple of months and they just reply they have verified. I have called Portfolio Recovery and the only thing they can provide me with is a list of charges someone made on credit cards from 2010. 
I have tried to sue Portfolio Recovery and when it got before the judge he just said he can not make someone show up in court from another state. 
I tried calling XXXX and the only thing they can do is file yet another dispute and someone claiming to be the manager first name XXXX refused to give last name said I could wait until it drops off my credit report. 
These are not my charges and I keep asking for them to verify not just from someone stating yep its yours I want a signature from when the account was opened or on any of the charges. XXXX states that's not up to them to verify other then ask Portfolio and Portfolio says they just have a list of charges and no signature for opening the account and no signature when charges were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Equifax is reporting an original creditor account XXXX XXXX with account number xxxxxxxxxxxx XXXX on my report that was charged off and sold to a collection agency. I settled the debt with the collection agency in full. The original creditor already charged off the account on their taxes and made money off selling the debt to the collection agency I paid, but they are still reporting it on my credit report, which brings down my score and affect my credit. I have already cleared up the debt and Equifax is still allowing the original creditor to report the debt which violates my Fair Credit Reporting rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: EMG ACQUISITION GROUP, LLC
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I told the company I wasnt able to pay until the XXXX and they accepted my payment arrangement with a debit card setup. I still received calls, after XXXX XXXX on a weekday regarding my loan. I explained to them that I have already promised a payment on the XXXX with someone else that has called. They continued to call my personal cell phone and my work. Both times I explained to them that I do not appreciate being harassed every second of the day and would appreciate if they do NOT call my place of employment OR my personal cell phone from here on out considering I do have a payment set up. They still are calling my phone AS WE SPEAK. They even have called from their personal cell phones to try to reach me even with my promised arrangement on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: ONEMAIN FINANCE CORPORATION
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
In XXXX of XXXX an Insurance sent a lump sum payment of {$2100.00} to One Main to for payment on a car that was totaled and used as collateral for my loan. When One Main applied the principal to the loan it only brought the loan amount due by the sum the insurance company paid in. I thought it would be reduced by that amount plus any interest that would be saved by not owing the {$2100.00} anymore. The manager informed me I had Precalulated Loan and they would not refund any unearned interest until the entire principal was paid. I continued making the monthly payments and decided I would call One Main to see how much interest I would be getting back as I knew the principal would be paid in full soon. I was then told that they do not refund the interest as they do not negotiate the note. I paid the loan off in full XX/XX/XXXX. I computed what I owed in total payments up to XX/XX/XXXX in the amount of {$5600.00}. In actuality I paid them {$8000.00}, which is an over payment of {$2400.00}. 
I made my regular schedule payment and paid what they computed final principal balance of {$600.00} on XX/XX/XXXX. It is unfair they had use of the money and still treated it like it was due and payable and the interest should be paid on it. I perceive it to be unearned interest which should have been refunded once my principal was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern : Be advised this is not a refusal to pay, but notice that your claim is disputed, and validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you TRANSWORLD/ SYSTEM INC. NOT who they have been paid by a third party. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. ex I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you ( TRANSWORLD/SYS INC . Please validate that this debt belongs to me and please also show me the original contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/XXXX, I had a check ( XXXX  XXXX XXXX ) deposit in my account. Truist Bank froze my account and refusing to release my funds after I done proved it was an legal check and IRS verified it as well. Since these allegations my credit score has dropped. I literally let one of the Truist Bankers speak to my landlord, I'm late on all my bills, I'm being harassed by the collectors due to my funds being FROZEN for no reason this is my personal funds being held from me and my family, and may I add my business account is at stake as well...

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