BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-12
Company: Prosper Marketplace, Inc.
State: WV
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Today XX/XX/2019, XXXX XXXX XXXX ( XXXX XXXX XXXX ) left me a voicemail that I qualified for a {$8000.00} loan with 10 % APR, for 36 months with a $ XXXX monthly payment. That wasnt bad. I called back and the representative asked for my social security number in order to confirm my application which I did give him. He asked for my bank routing number since it was going to be a direct deposit loan. I actually did give him that. Then, he said that he would need my bank account login information ( username and password ) in order to get into my account. I was polite in refusing to yield to his request. He became rude and the tone of his voice increased, threatening that he wont give me the loan and I shouldnt call him back. Well, maam, {$8000.00} is a lot of money and I cant deposit it into your account without logging into your bank account, he said. I told him again politely that my login information should be my private thing. He told me not to call him again until Im ready to give him the information he needs. Call back tomorrow when you really need the money, he said and then ended the call. I was shocked and wondered how unprofessional this company was and decided to call again in order to ask if there were other options for me to get the loan. He picked up and said maam, if youre not ready to give me the login information, dont call this number again. He did hang up again for the second time. Few minutes later, I decided to call again and the company refused to answer. I called two more times. No answer. I came to a conclusion that XXXX XXXX XXXX is either a scam or it has a horrible customer service. Im still shocked. Also, this business is not same as PROSPER MARKETPLACE INC ( XXXX XXXX XXXX ) because I called PROSPER MARKETPLACE INC and was able to confirm the differences.

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 2018-10-04
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been called 3 times this company. They are looking for XXXX or XXXX XXXX. I am not XXXX or XXXX XXXX. I have told them 3 times that I am not XXXX ( I am female ) nor do I know a XXXX or XXXX XXXX. All 3 times I have told them to remove my telephone number from their calling list and all 3 times they have stated they will put this is the wrong number in this file and discontinue calling me. The newest call was yesterday at XXXX - XX/XX/18. They have called from the following telephone numbers XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: Halsted Financial Services, LLC.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Thursday XXXX XXXX, 2017 : XXXX XXXX Eastern Time - unknown number called me.. answered, no one on the other line XXXX XXXX Eastern Time - called number back and spoke with a male representative who gave me his name, and the company name. Wanting me to verify information. I refused to give him my information and asked " Are you a debt collector '' he kept telling me he could n't say until I verified the account which is in violation of FDCPA 805. Communication in connection with debt collection ( 15 USC 1692c ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
It has been brought to my attention that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX UNIT XXXX XXXX, NC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-03
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened new checking and savings accounts with BMO Harris Bank on XX/XX/2021. Over the following weeks I made a series of deposits into the account ( some checks, XXXX and XXXX funds, transfers from my previous bank, etc. ). 

On or around XX/XX/XXXX, I attempted to transfer funds from my BMO Harris checking account, to my BMO Harris savings account, but found I could not execute the transfer. I also found that none of the debits or withdrawals ( e.g. utility and credit card payments ) I would have expected to see over the previous few weeks were reflected in my checking account activity. 

I contacted BMO Harris to inquire as to what the issue might be, whereupon they informed me that " furthered [ XXXX ] verificaton is needed for account access '' and requested that I provide my social security card, driver 's license, and a utility bill to their fraud detection department. I immediately sent the requested documents. 

BMO Harris at no time contacted me, by any means, to notify me that there was any issue with my account, nor is there any indication when accessing my account online that it is frozen. They unilaterally cut me off from my money and could not be troubled to let me know they were doing so ( nor did they indicate what I might do to prevent -- or remediate -- the situation ). If I had not discovered the issue myself, I suspect my funds would have remained frozen indefinitely. 

Meanwhile, I am unable to pay my rent, pay credit cards, or withdraw cash. I am incurring fees for rejected payments. I have no access to my own money. 

I have contacted BMO Harris via secure chat in their banking portal, by phone, and by social media, and repeatedly requested escalation of my case. I have received no assistance -- only standard 'we 're sorry for the inconvenience ' messages and an indication that their fraud team may remove the freeze within 3-5 business days. 

I can not contact their fraud team as their offices are closed over the weekend. BMO Harris ' mismanagement of this issue is unacceptable.

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 2023-04-26
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: Information belongs to someone else

Complaint:
It has been brought to my attention that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX  XXXX Balance : {$0.00}, XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: REGIONS FINANCIAL CORPORATION
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
From the transaction records money from the checking account is being used for purchases we are making with our pre -paid card so I am double paying

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: EQUIFAX, INC.
State: NJ
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:
My mortgage was never late. 

From XX/XX/XXXX to XX/XX/XXXX, XXXX XXXX   fraudulently reported my mortgage late to cover up the crimes committed against me knowing that my XXXX was unlawfully taken and I was barred from Co-op Building since XX/XX/XXXXXXXX XXXX unit was illegally sold on XX/XX/XXXX, and I was arrested by XXXX XXXX XXXX  Police on XX/XX/XXXX, for being in my XXXX Lobby as a Defiant Trespasser. 

XXXX XXXX LIED THAT XXXX XXXX XXXX UNIT WAS FORECLOSED ON TO SENATOR XXXX XXXX ON XX/XX/XXXX XXXX XXXX    XXXX FRAUDENTLY CLAIMED XXXX XXXX PAID OFF MORTGAGE IN XXXX FOR XXXX UNIT UNLAWFULLY TAKEN IN XX/XX/XXXX AND SOLD ON XX/XX/XXXX NO FORECLOSED JUDGMENT OR WARRANT EXISTS AGAINST ME. 
On XX/XX/XXXX, XXXX XXXX broke into my XXXX   unit, changed the lock, barred me from entering XXXX   Building, kept my belongings, and made me homeless on XX/XX/XXXX, without a warrant, judgment or foreclosure. My mortgage was current. 
In XX/XX/XXXX, XXXX violated foreclosure laws by filing a claim on lawsuit which it was not a party of for XXXX   mortgage. Two ( 2 ) NJ Superior Court Judges XXXX XXXX on XX/XX/XXXX, and XXXX XXXX on XX/XX/XXXX, ( attachment ) denied XXXX XXXX   XXXX request for {$100000.00} proceeds in Superior Court Trust Fund from illegal private sale of my unlawfully taken XXXX unit on XX/XX/XXXX. 

On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Legal Dept. emailed to Senator XXXX XXXX 's office that my complaint was about wrongful foreclosure. 
On XX/XX/XXXX, XXXX XXXX pulled her IRS transcript for XXXX. XXXX filed XXXX XXXX Mortgage interest fraudulently claiming that XXXX XXXX paid {$23000.00} in mortgage interest for her XXXX   unit at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX New York, XXXX On Monday, XX/XX/XXXX, we called the Office of the Superior Court Clerk, Foreclosure Processing Services in XXXX, New Jersey at XXXX and was told no foreclosure ( F ) file for XXXX XXXX or paperwork. 
However, there was a closed Landlord/Tenant ( L ) file for XXXX XXXX which {$100000.00} were sent to the mortgage company** without paperwork. She did not understand how my mortgage was paid off, claiming there should have been foreclosure folder with a ( F ) file, and not ( L ) Landlord Tenant. She questioned if XXXX XXXX sold her unit. 

She referred us to XXXX County Sheriffs Office at (  XXXX ) XXXX, extension XXXX ( foreclosures ) to see if XXXX has a on file for XXXX XXXX On Monday, XX/XX/XXXX, we called XXXX Sheriff Office who stated that it did not have paperwork on stated no information on file for me. 

** The Superior Court Trust Fund gave without foreclosure documents to XXXX XXXX XXXXXXXX on or about XX/XX/XXXX, to pay off my mortgage and complete crime against me. 
No valid underlying case, no foreclosed judgment, no warrant of possession or removal, no foreclosure, no Sheriffs sale.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. The last letter sent to 3 credit bureaus was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15 U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of Accounts and Inquiries that are still reporting on my Credit Reports : Inaccurate Names : XXXX, XXXX, XXXX, XXXX XXXX ; Accounts : XXXX XXXX and XXXX XXXX XXXX XXXX Inquiries : XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, CERTIFIED Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
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: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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
Consumer complaint received 2017-07-20
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX, 2017 XXXX XXXX XXXX XXXX XXXX XXXX # XXXX case numberXXXX XXXX-was paid in full in the amount of {$3700.00} on XXXX XXXX, 2017. I received a letter dated XXXX XXXX, 2017 from IQ Data International Inc. Account # XXXX-Account XXXX Account representative XXXX XXXX stating that I owe XXXX XXXX XXXX {$3000.00} even though the balance of {$3700.00} is paid in full on XXXX XXXX, 2017. On XXXX XXXX, 2017 the Superior court of XXXX XXXX Acknowledgement Satisfaction of Judgement that the balance to XXXX is paid in full. Therefore, this debt should be removed from all Credit Bureaus XXXX, XXXX and XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
XX/XX/XXXX I filed with identitytheft.gov as I believed I was a victim of identify theft. I also placed a fraud alert on all of my credit reports as they were reporting me late on an account with XXXX by XXXX XXXX. I became aware of this account as I my XXXX card closed suddenly due to a decreased credit score as this account was reporting past due payments. 

Per the recommendations of identitytheft.gov I sent dispute letters to Transunion as well as XXXX by XXXX XXXX. 

I received a letter XX/XX/2019 dated XX/XX/2019 stating XXXX by XXXX XXXX had determined that I am liable for this loan. 

I have received no verification that this loan was in fact taken out by me other than the letter received XX/XX/2019.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 XXXX XXXX is reporting a 30-day late for XX/XX/2018on my RV loan which is incorrect ( to all 3 credit agencies ). I my  payment on XX/XX/XXXX for {$220.00} as I have each month, and received a payment confirmation number. 

XXXX XXXX XXXX XXXX reversed my payment later that day saying the account information was incorrect and did not notify me. The customer service representative I spoke with informed me this happens a lot with their system. They sent me a confirmation email for my payment 's success! I have my confirmation email I received, a screen shot of the payment and reversal if needed. This is severely affecting my credit. I have disputed with the credit bureaus and XXXX XXXX XXXX XXXX just confirms the missed payment info is correct. When I call they provide me with very little information and wont let me speak to anyone in that department specifically.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: Stellar Recovery, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
After looking/pulling my credit reports on XX/XX/XXXX, I discovered that a company called STELLAR RECOVERY INC placed a collection notice on my XXXX, XXXX, and XXXX for an account with a cable or cellular company ( Not indicated on credit bureaus ) for {$58.00}. I have not received any written notice or communication from this company and have no idea why they are trying to collect this amount from me. I have not ever heard of this company and they are ruining my credit profile. I was not made aware of the debt before it was reported to the credit bureaus. I am XXXX individual. I do not have cable service or use a commercial cellular telephone service. On my credit reports, they are listed as the original creditor, with the date of delinquency of XX/XX/XXXX. As clearly this is not my account, it needs to be deleted immediately from each of the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 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 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXXXXXX 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
Consumer complaint received 2021-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
My car was broken into and some of my personal identification was taken. I have since noticed that several attempts has been made to purchase things using my information that I did not do. The things listed on this report is fraud and not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation