BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXXXXXX Account Number XXXX Names and variations not mine XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Numbers- Not mine- never used- FCRA Violation ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX inquiries - XXXX  XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXXXX XXXX XXXXXXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX  All Banks - non specific Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXXXX XXXXXXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Sales Financing Company Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Employer ( s ) * XXXX XXXX XXXX * RETIRED XXXX XXXX XXXX RETIRED 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 2020-11-23
Company: The Law Office of Edwin B. Parry
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was served papers for a RECENT debt from XXXX XXXX, ( ie XXXX XXXX XXXX XXXX, shortly after disputing it with a credit reporting agency. In order to verify this debt I need the itemization and PROOF that the debt is in fact valid. Many of these debts are too recent for the paperwork to have processed due to the slowing down of IRS paperwork, by the coronavirus. Getting the information is the only way I can properly reply. 

On XXXX, their hours are Monday-Friday and Saturday XXXX to XXXX XXXX. When I showed up at XXXX on Saturday, I discovered that XXXX XXXX XXXX is in the same building as XXXX XXXX XXXX. But XXXXXXXX XXXX  XXXX isnt posted on the door anywhere ... I walked around looking for a separate door :,, nothing. Furthermore, when I called because the front desk area wasnt open, I was told that law office of XXXXXXXX XXXX XXXXXXXX was open just on the other side of the door, she had the paperwork, but she wouldnt give me the papers because the receptionist was their client, express recovery services ... and they werent open. 

I was upset about this and am now delayed further as I dont have a car to drive there all the time. Im an unemployed individual living through this pandemic. A lawsuit on recent unresolved debts, currently in dispute, is anything but compassionate and should be a crime. 

I told them this to which I was told everything is moving forward, businesses are still running and the world is moving forward. I am not able to be employed as I am on the CDC list of vulnerable populations right now. But yet here I am, at the ( law office? ) thats suing me, miles from home, outside, begging for proof of a recent debt, during open hours, so I can reply to a summons. Shame on this law office, and Im certain their relationship with XXXX XXXX is brushing too close to whats considered legal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: FCI Lender Services Inc.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Today I went to court for a Forclosure that they trying to do to a property I dont own any more court case # XXXX the debt was canceled by XXXX XXXX XXXX seems XXXX which I even reported to my taxes in the same year, the judge XXXX XXXX close this case with prejudice seems XXXX and I transfer this property same year and now this company is trying to Forclosure company name XXXX XXXX XXXX locate in XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX phone # ( XXXX ) XXXX Ext XXXX I spoke today with Mr. XXXX XXXX dispute the debt and he send a lot of paper I dont recognize after contact also company name FCI Lender Services , Inc XXXX XXXX XXXX, XXXX XXXX, CA, XXXX phone # XXXX and I spoke few weeks ago with Mr. XXXX XXXX please help me with this injustice matter sincerely 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 2020-08-28
Company: EQUIFAX, 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:
I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX {$780.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: FISERV INC.
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Stimulus debit card. WHY did the government do the debit card? How much is this costing to use this service? WHY do I have to pay to get my money from this card? WHY do other people get a check? This is not constitutional we are not being treated equal. I'm going to pay {$10.00} to get cash. I will have to make 3 trips to the bank because you can only take out {$1000.00} out at a time and since they were stupid enough to put my husbands name on he has to go to the bank 3 times with me to do anything with this XXXX card. I get social security and so does my husband why did we NOT get a CHECK. ( direct  deposited ) They said we would receive a check, whey in midstream do they change to cards? I want to go to the bank and get my money, just like the people that got checks. I don't want rules and hoops to jump threw to receive my money on their terms. WHO is related to someone at this business? Who is benefiting from this transaction at the other end of my information that they have released to them. I never gave permission to them to give out my information. They think this is safer, are they crazy now someone else has our information. HACK!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
this is unresolved, credit card opened last XXXX and used in 3 months in excess of XXXX in order to get {$200.00} bonus. You dropped the case but it is STILL UNRESOLVED. Bank of America, they refuse to respond. This has been going on since XX/XX/2020.

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 2018-02-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Frauding scams using XXXX XXXXXXXX XXXX of XXXX XXXXXXXX Indiana of my birth certificate long form of XXXX XXXX XXXX and XXXX XXXX frauding scams using landdelopments in MO Missouri frauding my serial numbered documents attached to my national security clearance data of VA and military documents and also hospital data Frauding scams using Land development using other states documents

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 2020-01-28
Company: EQUIFAX, INC.
State: DC
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 never solicited or sought to acquire an auto loan through XXXX XXXX XXXX XXXX date of the letter I received was XX/XX/2019. I am going to assume they received my information from an unknown source in an attempt to get a car loan. 

The control number is listed as XXXX. 
I want to know why they sent me a letter of which I never inquired about from their organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: Experian Information Solutions 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:
Theres an account on my file that needs to be removed the company is aware but they are needing this attached that is to this complaint to fix the issue there system is not working so they can not removed the file

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 2021-05-19
Company: CITIBANK, N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
i wired money from XXXX to XXXX  via citi but citibank froze my funds and didnt notify anyone. They asked for more information without explaining me my rights to privacy or what they will do with this information. I felt hopeless and inadequate. I then called Citibank ( it took 2.5 hours to get a representative on the line ) I called their wire department at XXXX i waited about 1.5 hours and then the XXXX  representative said I have to speak with an American representative for this information. She transferred me another hour wait. and then I was able to speak with XXXX Employee ID XXXX who only told me she needs to review the XXXX. 

She then came back on the line and then told me Citibank returned the money to XXXX  based on their request. THis is not correct. But anyways I still dont see my money in was not delivered not given back and my civil rights have been violated in every way because of their corrupted software. XXXX had the information, but Citibank erred many times. Their practices are against the Law. I can not think this is legal the way they treated me If it is then Its evident that I and all XXXX 's have to ride on the back of the bus as in 1950 segregation.

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 2021-02-08
Company: SIERRA PACIFIC MORTGAGE
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of XXXX I spoke with a representative from Sierra Pacific Mortgage. I explained my circumstances of having 2 tenants who worked in XXXX and that they were unsure of their job security due to the pandemic. I could not make the mortgage payments without the income from their rent. As advised by the representative and out of an abundance of caution, I decided on a forbearance for the mortgage. 
By XXXX, the tenants advised me they were secure in their places of employment and that rent payments would not be in jeopardy. I immediately contacted Sierra Pacific to attempt to remove myself from the forbearance. The process was time consuming and in vain. After many calls and hours of waiting on hold it was stated that the auto draft payments would be reapplied for XXXX and my forbearance payments would be deferred to the end of the loan. After XXXX I contacted Sierra Pacific at least on a monthly basis to be clear the auto drafts were not happening. I was told to make my payments manually as it takes time. 
It is now XX/XX/XXXX and I have have made every payment in a timely manner since XXXX of XXXX manually. I received my XXXX Mortgage Interest Statement form and the interest paid for XXXX was only calculated from the first 4 months of XXXX. I spoke with XXXX XXXX customer service and loss mitigation and was told I was still in forbearance and my last 6 mortgage payments were held as suspended. 
Several more hours being on hold and it was confirmed my forbearance was deferred as of XX/XX/XXXX. After repeatedly questioning how this happened I was given no explanation as to why this was never corrected and was just being forwarded to speak with a different department or supervisor. 
The issue has progressed as my mortgage interest for the year is only about a third of what was actually paid and this will affect me negatively on my taxes for XXXX. As of yet I have not been given a satisfactory response towards rectifying this error. It appears to be approximately several thousand dollars in interest that is missing from my 1098.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
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:
The inquiries that being reported were not authorized by me nor did anyone call to confirm the request for credit by me and I have a fraud alert on my file.

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 2020-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hi. 
I sent dispute letters to the credit bureaus because they are reporting inaccurate information that is ruining my credit. 
I want the inquiries that I didn't authorized and negative accounts that shouldn't be on my report remove.

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 2018-07-05
Company: Credit Card Receivables Fund Incorporated
State: PA
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 recently filed a complaint against XXXX XXXX  about an inaccurate information on my report, they responded by saying that account was sold to Unifund. address : XXXX XXXX XXXX XXXX, OH XXXX XXXX Since then they've not been involved in reporting the negative information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this debt after seeing it listed on my credit file, this is unknown and I believe it does not belong to me. I have requested validation in my dispute and have received nothing. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I have recently reviewed my consumer reports and I have found that there are items that should be excluded from my consumer reports pursuant to 15 USC 1681a ( 2 ) ( B ). This federal law states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card should not be in my consumer report. To have no misunderstanding of the true definition of the lawful meaning of what a " credit card '' is I will state it. Pursuant to 15 USC 1602, a credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. By willfully not complying with these federal law makes them civilly and criminally liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: Bread Financial Holdings, Inc.
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
They keep signing me out of my account and when they answer you its case closed you have no power Im going to send all your useless answers to every senator and congress man and women I think you serve no purpose I have seen.no one you have ever helped but yourself Im going to sign the petition that all you do is waste government money I hope to XXXX  useless XXXX  lose your jobs there is no need for bums like you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: Assured Financial Partners
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Business sent a text message asking that I return the call. I forgot. 2 days later I get a call from a private number. I answer and speak to a XXXX XXXX. She verify 's the case number in the text message and then begins to verify my personal information. First she calls me a man, I am not a man ... Then she confirms my DOB which the date she had was incorrect, then she confirms my social. Which was incorrect. Then she asks about a street that I lived on at one time. I am familiar with the street name from my childhood, however she did not give a street number. Because I have lived on that street 20 years ago, I acknowledged the street name. Then she begins to tell me I have an unpaid debt from XX/XX/2009 and it's currently $ 1800+ the {$2500.00} court fees because they are getting ready to file a lawsuit against me. I let her know that I the account is not mine and that I have no recollection of it. She stated " Well they said you opened the account, and good luck in court, if you don't settle this account today ''. Once again I told her that I am not settling any account today, first it's not my account, 2nd she provided me in depth details about the wrong person and their account, and 3rd that she would be the one needing the luck in court, because the DOB and Social that they have for " me '' as she stated is not correct. Not only that she threatened me with court for an account that was closed in XX/XX/2009. Even if this was my debt the statute of limitations is 4 years from account closure, or last negotiations in my state. She said I will be mailed the court documents and it would be best for me to show up, again I let her know that she didn't even have an address for me and she said it will go the the last know address. This is not right! It's not my debt, but if she had convinced me and I hadn't known better, and paid this account off for something 1 that I don't own, but was scared about being sued so I paid it, and 2 that I didn't know my statute of limitations for my state, that I could have been tricked into paying something that I can not be sued for. This is not the proper way to handle something like this. Now I have access to a social that is not mine, and a DOB as well as an account number. What if I was an identity thief? This company basically provides any information necessary to attempt to make a dollar. In this day and age this should be stopped, as people do pray on the identity of others, and now this business has provided me someone else 's info.

Company response to consumer: Untimely response