BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-27
Company: Family First Funding LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On Friday XX/XX/XXXX my client closed on her property XXXX XXXX XXXX XXXX XXXX XXXX. 
The closing was very rushed and changed last minuet as per the mortgage company. They insisted we change to " their Title company '' because they needed to close on this day or the clients lock would expire and they current title company was not cleared to be a vendor for them or something of that nature. All that being said, when my client went home, after closing on the home she purchased after selling her house in XXXX XXXX, she realized the XXXX was incorrect and said the sale price was {$220000.00} and in fact was supposed to be {$220000.00}. The contract and Deed say {$220000.00} however thinking it was a typo I immediately emailed Title and Mortgage  of the error. Monday morning XX/XX/2018. I called the Mortgage company and they admitted they were wrong and made a mistake and would have the check to her by Tuesday or Wednesday. It is Friday and now they are trying to blame the realtors and not make up the difference, I feel there is so much wrong on this file someone needs to stop these people from their gross negligence and the lies they keep telling! The title company is XXXX XXXX XXXX XXXX XXXX, XXXX , NJ XXXX and the Mortgage Company is FAMILY FIRST FUNDING, ,LLC CONTACT INFO IS XXXX XXXX XXXX XXXX Please Help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
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:
Greetings, I have reached out to Experian on two separate occasions my first letter was dated XX/XX/XXXX and the second XX/XX/XXXX. I provided them with a copy of my government-issued ID and my official W2 which has my social security number on it. Furthermore, their refusal to investigate after two requests is a direct violation of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). As a consumer, I have the right to fair and accurate reporting of my credit report. It is my understanding that under the law they have 30 days from the receipt of my letter to verify the items questioned. It has now been longer than 30 days. This constitutes the reason for the immediate deletion of all items disputed from my credit report which were provided to in both letters. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ). Also, pursuant to 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me that the items have been deleted. You may send an updated copy of my credit report to my address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification.

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 2020-10-27
Company: Tenaglia & Hunt, PA
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
earlier this evening i was trying to speak with this collection agency about disputing the debt because they failed to validate the debt. with a third party on the line also the debt collector fully disclosed my debt without asking my permission to speak about it with the 3rd party on the line. i informed the collector that her first communication was using the threat of sueing me to get me to pay the debt is a violation of fdcpa. i tried to tell the collector that she had the wrong information. she informed me that since i am disputing this debt i have to send a request in writing. this company failed to send me validation since receiving my account in XXXX and even now refused to send me my requested information. there are many more stae laws and regulations that this company violated and im really upset over it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29
Company: The CMI Group, Inc.
State: HI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid a debt from XXXX XXXX a while ago. It is still showing negatively on my report and they are still contacting my telling me the i owe money.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-28
Company: LoanCare, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We submitted a loss on our home insurance for water damage XXXX XXXX 2020. Our insurance company XXXX XXXX issued a check for {$7200.00} in damages, it also had our mortgage company as a payee on the check. We were advised by the Mortgage company to overnight the check to them so they could endorse it and return it next day. We did so and they kept the check and deposited it. Saying we were delinquent. Because of that they won't release funds. They want us to use a licensed contractor, not do the work ourselves. They do not have a process for us doing the work ourselves. They haven't even released startup funds to hire a contractor.

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 2018-10-18
Company: Experian Information Solutions 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:
INACCURATE INFORMATION SHOWING UP ON CREDIT REPORT TAKING MORE THAN 30 DAYS

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 2021-02-26
Company: Dovenmuehle Mortgage, Inc.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to get my {$750.00} back from XXXX Bank since they lost it last XX/XX/2020. I file a complaint with CFBP after spending months on my own trying to get it back. 2 months after XXXX got involved they found my money and submitted a letter to this bureau and to me dated XX/XX/2020 stating that my money was recovered and a check for {$750.00} would be issued to me and sent to my home by way of XXXX within 10 days. Once again as of today XXXX I have received nothing. I call XXXX Bank I believe on XXXX to find out what happen to the check that was to be sent to me back in XXXX. Here we go again. No one knows where that check went to like before it just vanished into thin air. after nearly XXXX hours on the phone with XXXX different people that would not give there names or telephone ext. I got promise that I would hear back from them within XXXX hours. That was XXXX weeks ago and I still have heard nothing. I am completely lost all patients with that Bank. I want to sue them put them on the news and I believe they should be treated like a criminal that steals money gets caught and still doesn't return the money to its owner. If I wouldn't give them their {$750.00} Payment 10 months ago I would be living on XXXX XXXX with bad credit and no where to go. Please help and advise me on what to do next. 
My old claim number with CFPB XXXX I have all the paper work proving everything I have said is true. 
Thank You XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Hello,I have reached out to XXXX several times regarding these inquiries by mail and phone. I have also contacted the creditors like I was advised to, and there telling me to contact XXXX, so I don’t know what else to do, here Is a list of the inquiries:XXXX or WHICHEVER CREDIT BUREAUS holding the inquiries XXXX XXXX XXXX XXXX, GA XXXXI am writing to dispute the following information in my file. I recently received a copy of my XXXX  credit report. The credit report showed MULTIPLE credit inquiries that I did not authorize. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please provide the method by which you verified that I applied directly for credit or gave permission to the following companies to access my credit by way of a signed authorization bearing my signature. If unable to do so, please have these inquiries removed from my credit file because it is making it very difficult for me to acquire credit.The FCRA states that the only permissible purpose for pulling someone’s credit is for:A. Firm Offer of CreditB. InsuranceC. EmploymentD. Court OrderThe following credit inquiries are not related to none of the aforementioned permissible• XXXX XXXX XXXX- (XX/XX/XXXX,XX/XX/XXXX)• XXXX XXXX-XXXX-XX/XX/XXXX•  XXXX- XX/XX/XXXX, XX/XX/XXXX• XXXX XXXX XXXX (XX/XX/XXXX)•  XXXX/XXXX (XX/XX/XXXX)• XXXX-XXXX XXXX-(XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX)• XXXX XXXX-(XX/XX/XXXX)Please remove these inquiries from my credit report immediately. I have enclosed a copy of my identification card as proof of my identity.Sincerely, 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 2019-08-19
Company: Pinnacle Asset Management, LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called this collection agency after haven received a mailed document that I owed money to a previous apartment complex. The amount was erroneous. I wrote them in the allotted time; provided the copy of the lease that showed I had XXXX in deposits that was not being deducted from the balance. In a phone conversation they agreed and advised that they would be sending it back to the apartment complex for review and adjustment. Two weeks later they called my cell again requesting the wrong amount. I advised XXXX if she could read the notes and advise me what happened to the investigation. She could not. Instead she advised me that I didn't need to be so hostile. I was not. She advised me that since I was refusing to pay....I advised her per my letter to XXXX at no time was I refusing to pay my bill, I am refusing to pay the amount because it is not accurate. I asked to speak to a manager. XXXX  came on the line pretending to be a manager. XXXX advised me there was no investigation going on it wasn't ever returned to the apartment complex for an adjustment and I would pay the XXXX if that's what I wanted but the account wouldn't be considered paid off. He then said let me get you to a manager because I don't like the way this call is going. And put me on hold. In comes XXXX XXXX. XXXX  regurgitated the same things her coworkers said. At this point in frustration I yelled out as she kept talking over me!! These employees and this company are disgraceful!!! I have never experienced such rudeness and disrespect or lack of assistance in getting this matter handled. If I don't owe the amount, all they have to do is bring it back to the apartment complex for an adjustment and I would pay the final bill, which I still intent to do on the XX/XX/XXXX. I can't believe that XXXX XXXX is allowed to do business like this.

Company response to consumer: Untimely response
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: TX
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:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-23
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 have tried on several occasions to have a dispute submitted in regards to being a victim of Identity theft. However, Transunion has constantly been non responsive to my efforts which is a direct violation of the fair credit reporting act, sect. 605b. I have been gravely displaced by this non action.

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 2022-05-02
Company: Adler Wallach & Associates, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX XXXX I am filing a complaint against AWA Collections. I disputed the below medical account from my credit report, and it then updated showing " Account Information Disputed and that it meets the requirements of the Fair Debt Collection Practices Act. '' Which is absurd, and a violation of my consumer rights. Pursuant to 45 CFR 164.504 Use of Disclosure of Health Information which states that no such entity may disclose protected health information except as permitted or required pursuant to an authorization and agreement, which was not given. Pursuant to 15 U.S.C 6801 ( b ) ( 3 ) Protected against unauthorized Access or use. And pursuant to 15 U.S.C 6802 ( b ) ( A ) ( B ) ( C ) the right to opt-out. 

XXXX XXXX XXXX XXXX  I am demanding this account be deleted from my consumer report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: WELLS FARGO & COMPANY
State: VA
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 made a {$500.00} payment Saturday being assured funds would be available in two hours. That was on the XXXX at XXXX EST. Nothing reflected by XXXXXXXX XXXX. I called again and was told by a rep my funds would posted bt XXXX XXXX on the XXXX. NOTHING. I called a 3rd time on XXXX and was told they will reflect by XXXXXXXX XXXX. I am in an abusive situation trying to leave before my life is jeopardized, informed Wells Fargo of this and Nothing. Wells Fargo is withholding funds again.

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 2018-09-13
Company: NRA Group, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX on behalf of XXXX XXXX XXXX reported two accounts as delinquent to the credit bureaus without properly notifying me that the account will be sent to collections. I tried to dispute with credit bereaus but nothing was done.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2021 I received two emails from Truist Bank that a new user ID was created and was associated with an online checking account, even though I did not open any account. I drove to the nearest branch office and they closed the account and flagged it. According to their records, the person that opened the account used my name, address, date of birth, and social security number.

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 2020-12-15
Company: ALLY FINANCIAL INC.
State: SC
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:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX, ALLY FINANCIAL and onXX/XX/XXXX XXXX XXXX XXXX XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consume

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 2020-12-09
Company: DISCOVER BANK
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Still have problem with the so called discover, I relly suggest them to pay a psycologist/ndeurologist for their employee since manuy of them are not even able to undertand what a internet/web banking is they want to operate on the internet but the web scares them too much, that's wy they have to transfer their company from the web to the physical store I have placed a complaint when the the checking account was blocked for one of their non sense reasons tI have added my passport and driver licence in their website page named " secure document upload '' but still they are not sure if I'm myself I have also contacted their executive office and they were at least able to write a send a email were they have confirmed that they were working to remove the checking account block for this bank managed by clown everithing is sospicious, if someone wants to update the email adress, tha 's a socspicious actvity, if someone has a phone number with a area code that they are not able to understand, that's a sospicious activity, if somone updates her mailing adress that's a socsicious activity, but the update bottom is there, so why the XXXX they have provded a update bottom if they consider everithing that was updated a " sospicious activity '', but 1 pasword is secure did they know that 10 passwords are better than 1, they are neversecure enought now the account is working but the ach transfers of funds from discover to the linked external checking account is disabled, so the account was not reinstated completely I want a fully working account and to ease their mind I tell them again, if a simple account update make them so nervous they have to remove the update buttom and they have to provide a fixed fileds online account, then the customers will choose if they want to use this bank managed by clowns or if they want to exclude them from the options I will now post a federal trade comission complaints also since they insist too much to receive complaints I WILL COMUNICATE WITH THE INTERNET, WEB IN WRTING ONLY, NO OPHONES HEREM PHONES ARE NOT AVAILBLE SINCE I HAVE ESTABILISHED FOR MYSELF THAT I WANT TO USE THE INTERNET BANKING AND NOT THE PHONE BANKING MAKE UO YOUR MIND, TO EASE YOUR MIND I TELL YOU AGAIN, I SIGNED UP FOR A ONLINE BANKING IS IT CLEAR ENOUGHT, OR PEHAPS YOU DO NOT UNDERSTAND ENGLISH I CAN PROVIDE A VOPY OF MY DOCUMENT ID IF NEEDED BY EMAIL, AND I CAN SEND THE DOC FROM THE EMAIL ADRESS REGISTERED ON THE BANK ACCOUNT!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: Experian Information Solutions Inc.
State: AZ
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2020-10-27
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In XXXX of XXXX, Fifth third falsely accused me of committing fraud with no proof. No funds was overdrawn and I do not owe the bank any money. Plaintiff XXXX XXXX filed her XXXX XXXX class action lawsuit in XX/XX/XXXX, claiming the company violated the FCRA by failing to provide accurate disclosures to consumers when they have fraud alerts on their account. I was apart of this class ( A ) lawsuit and I was settled out. My attorney have asked me to reach out to Fifth third once again to have them remove this inaccurate information from early warning. If the company refuses, we'll take legal action against Fifth third bank.

Company response to consumer: Closed with explanation