BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
Upon checking the updates on my Transunion credit file, I came across an unverified account placed on my credit file by XXXX XXXX XXXX. From to an apartment lease with XXXX XXXX in XXXX, TX that i did not sign. that I did not sign the was previously deleted XX/XX/2021. acc # XXXX. 
This credit reporting agency is in violation of the FCRA rule that states, " if a dispute is upheld and subsequently overturned, the credit rerooting agency must notify the consumer. 
I have repeatedly asked this credit reporting agency to conduct a reasonable investigation concerning this matter. 
I finally conducted an investigation of my own a called the leasing office XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. Phone number XXXX XXXX XXXX and spoke with a gentleman by the name of XXXX on Monday XX/XX/XXXX at XXXX XXXX. XXXX was unable to find any leas agreement with my name or social security number on it. 
A simple five minute phone call to the leasing office will be able to resolve this matter.

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 2020-05-07
Company: McCarthy, Burgess & Wolff, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On or around XX/XX/XXXX, our company closed an office in XXXX XXXX, CA and terminated relevant services. Internet and various utilities. On XX/XX/XXXX I received an email from McCarthy, Burgess & Wolff ( hereafter MB & W ) saying that a XXXX bill was unpaid. After reviewing the very " grainy '' documents they provided, it appears that XXXX XXXX XXXX continued to bill after service was discontinued, applied my {$250.00} deposit, and then continued to bill long after service was terminated. 

I immediately ( same day. XX/XX/XXXX ) replied to their email asking for more documentation. I received no response. 
On XX/XX/XXXX, I left a voicemail with the agent assigned to me in the letter. I received no response. 
On ( I believe ) XX/XX/XXXX, I left an additional voicemail. I received no response. 
On XX/XX/XXXX, I sent an additional email. I received no response. 
On XX/XX/XXXX, I sent an additional email. I received not response. 
On XX/XX/XXXX, I sent a letter via USPS with tracking and signature confirmation. I received no response. 

From my written, delivered, and signed-for letter sent to MB & W " To recap. The documentation you sent was very grainy and difficult to read. It would appear that this account was still being billed after being closed. I am requesting the invalid billing be voided, and my {$250.00} deposit with applicable interest be refunded. " To date, excluding the original email I received from MB & W, I have not received any response to any of my inquires. No emails, no postal mail, no callback. 

From MB & W Account XXXX, File XXXX, Invoice XXXX Contact Information : Agent listed XXXX XXXX Website : http : //www.mbandw.com/ Mailing Address : McCarthy, Burgess & Wolff XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX , Ohio XXXX USPS Tracking with Signature Confirmation : XXXX " Your item was delivered at XXXX XXXX on XX/XX/XXXX in XXXX, OH XXXX. The item was signed for XXXX 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 2020-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 and Transunion are incorrectly reporting me as an Authorized User on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed 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 2018-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 disputed several negative several negative accounts on my TransUnion report asking that they be deleted because they I have not been provided with the original documentation with my signature on it.The following accounts are : XXXX XXXX XXXX acct num : XXXX XXXX XXXX acct num : XXXX XXXX XXXX XXXX acct num : 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 2021-09-08
Company: Ability Recovery Services, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I contacted Ability Recovery LLC in regards to a medical debt on my credit report. According to Ability Recovery I had an unpaid medical bill of {$100.00} which was the same amount that was reporting on my credit report. I spoke with a agent ( guy ) who told me that if I pay the debt now it can be deleted from my credit report. I agreed to pay the debt in return for a written letter stating that debt will be deleted once paid in full. The agent agreed to send the letter via email to XXXX stating that debt was paid in full for deletion. In XX/XX/XXXX I viewed my XXXX credit report and noticed that Ability Recovery LLC was still reporting the debt so I filed a dispute through XXXX but the results only revealed that the account was updated to paid in full but not deleted. I continued to call Ability Recovery LLC to request that they delete the debt from the credit bureaus and each time i called a rep will say they already sent it to be deleted but as of now it still shows on my credit report as a paid in full collection. Ive contacted XXXX to dispute multiple times and I even sent it the email that I received from Ability Recovery llc saying that debt was paid in full for deletion but they too refuse to delete it. I dont understand how a recorded and monitored conversation on XX/XX/XXXX is not being used in the manner that it was discussed on that call. I am left to seek legal counsel if this collection from Ability Recovery Llc is not deleted from my credit report as agreed upon on 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 2021-09-08
Company: EQUIFAX, INC.
State: MD
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 am a victim of identity theft. XXXXXXXX XXXX XXXX XXXX XXXX XXXX, has fraudulent accounts on my credit profile that need to be removed immediately. 

Account numbers : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: LD Holdings Group, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Loan depot free refinance guarantee. They Guarantee no lender fees if you use them again in the future to refinance your original loan with them. Upon speaking with them about the free lender fees I was told we saved you enough money so we will not be offering you free lender fees. The gentlemen I spoke with was on a recorded line when he stated that. No where does it mention if they save me money lender fees will need to be paid. On multiple occasions I received different explanations on why I would not receive the credit. I wouldn't have even used loan depot if this was the case, they kept delaying a response i had so much time invested i had no choice but to move forward. I have plenty of correspondences from loandepot on the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: Experian Information Solutions Inc.
State: UT
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:
After dispute, nothing changed. They are falsely reporting a XXXX bill that should NOT be on my credit report, and based on their own information, shouldn't be reporting.

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 2019-02-07
Company: I.C. System, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
i have sent copies of my XXXX XXXX XXXX to i c systems and the credtor is XXXX XXXX XXXX XXXX  for XXXX which is 100 % paid for by the XXXX XXXX  and i have sent them everything and they still won't take it off my credit report and it was opened on XX/XX/XXXX XXXXand it was reported on XX/XX/XXXX i need it taken off my XXXX credit

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 2018-03-26
Company: PENTAGON FEDERAL CREDIT UNION
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I received a check to use in the mail saying Im pre-approved for a personal loan. It said I would be getting a XXXX so I was not interested. I then received an email stating Weve lowered your rate. You will now get a XXXX I work in a XXXX XXXX myself and the fine print read Offer current as of XX/XX/2018. 

1 In order to consolidate an existing PenFed loan, line of credit, or credit card, the current Bill Consolidation Loan rate must be equal to or greater than the rate on your existing PenFed loan, line of credit, or credit card. No more than 50 % of Bill Consolidation Loan funds may be used to consolidate existing PenFed debt. PenFed does not permit internal refinances of an existing PenFed Personal loan or Bill Consolidation Loan. 

Loan amount determines term. All loans are subject to a minimum monthly payment of {$50.00}. 
Questions or comments? Contact us. 

To change your email address, please log on from our home page. This will ensure that your official records are updated. After you log on, go to " account actions '' then " Update Profile ''.

So this is not stating that I may not get that rate or anything. Nowhere on the email does it say as low as. I called to make sure and I was verbally told yes, I will be getting a XXXX. I deposited the money in my account of $ XXXX and when I go online, I see I have a loan of 12.99 %. Thats higher than some of the debt I want to payoff. I called and spoke to a supervisor named XXXX and he said they will not be able to honor the rate of 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 2019-08-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I was working with XXXX XXXX on a payment arrangement for a bill. As soon as I gave my checking account number-within that same breath-the rep asks me if I am aware of debt for capital one in their office. 

I have a Current Capital one card I am in repayment on-in past when I received these phone calls it upset me because I was confused about which debt they were referring to. 

This debt they were referring to is over 13 years old. 

I felt Harassed and manipulated-I would not have gone into a payment arrangement with this company for XXXX -- had I known they would combine the two companies in our conversations, and during our payment arrangement no less. 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: M&T BANK CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been trying for over 2 weeks to pay down my mortgage to eliminate Private Mortgage Insurance. I have made dozens of calls to the servicer, M & T Bank, with varying degrees of difficulty and different information given that contradicts not only the mortgage documents that I signed at closing, but also the Homeowners Protection Act of 1998 as amended. I have explained EACH TIME that I sold my previous home and have plenty of cash to pay down the mortgage below 80 % LTV. The latest I received from M & T Bank is that the home would have to appraise for almost 25 % MORE than I purchased the home for 2 months ago. That is insane! And it is not in accordance with my loan documents or the Homeowners Protection Act of 1998. M & T Bank will not allow me to talk to via telephone anyone from the Mortgage Insurance " Department '' and can't provide any specific names to contact via any other means. They sent a letter stating that I could call the phone number on the letter, but the letter does NOT have a phone number on it. They clearly appear to be using my PMI as part of their profit center and NOT to protect the investment in the actual loan. Please help!

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 2023-01-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Since 2020, Ive been working on this issue. I am a victim of true name fraud. Ive notified the creditors and credit bureaus, and my credit is still being damaged. I had perfect credit before this. This has affected my personal life in so many ways. I cant even do or get the things Im entitled to because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31
Company: AES/PHEAA
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
In XX/XX/XXXX, I was advised by XXXX XXXX that I had completed 58/120 loan payments for the Public Service Loan Forgiveness ( PSLF ) program. This was upsetting because my calculations indicated that I had completed 85/120 loan payments. 

On XX/XX/XXXX, I called XXXX XXXX and spoke with XXXX ( # XXXX ) and requested a PSLF Review Payment Tracker ( " Payment Tracker '' ). I was advised it would take a minimum of 90 days. 

On XX/XX/XXXX, I called XXXX XXXX and spoke with XXXX ( XXXX ) to check on the status of the Payment Tracker review. I was advised it is now taking six months. 

On XX/XX/XXXX, I called XXXX XXXX and spoke with XXXX ( XXXX ) to check on the status of the Payment Tracker review. I was advised that they submitted my original review ( XX/XX/XXXX ) to an email folder and requested that it be expedited. Furthermore, XXXX advised me that it appeared that the processor forgot about my original request. During this call, I also requested that XXXX XXXX REMOVE the improperly credited service with the Department of Forestry they had RANDOMLY credited me with. I was advised that request was granted and completed immediately. 

On XX/XX/XXXX, I called FedLoan Servicing and spoke with XXXX ( XXXX ) to check on the status of the Payment Tracker review. I was advised it would be completed in 15 days. I asked to speak with a supervisor. 
I spoke with XXXX ( XXXX ). She advised me that my Payment Tracker request was not processed last year and now they are using a new system as of XX/XX/XXXX. Therefore, the review take six months. 

On XX/XX/XXXX, TWO YEARS after my original phone call, I spoke with XXXX ( XXXX ) and his supervisor XXXX ( XXXX ). I was advised they had not completed the payment tracker review, and they really had no timeline as to when it would be completed. XXXX advised me it would " get done when it gets done. '' Such utter and gross incompetence in the federal government is infuriating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-08
Company: PNC Bank N.A.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Today XX/XX/21 I transferred {$50.00} through my bank through XXXX to a scam landlord for a supposed refundable application fee for an apartment to a XXXX XXXX using email address XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: EQUIFAX, 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:
Good morning After recent checking my XXXX  credit report, I noticed several credit inquiries and these inquiries does not belong to me because I have left the United States back in XXXX below are these inquiries XXXX  XXXX XXXX  XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX  XXXX XXXX from XX/XX/XXXX All Banks XXXX XXXX  XXXX from XX/XX/XXXX All Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: Home Point Financial Corporation
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXXwhen my agent called the bank to check on our offer, we received a counter. The foreclosure sale date was on HOLD per XXXX XXXX  who is the file owner at XXXX. On Monday my agent sent in a new offer that was a FULL PRICE offer that met the banks net, and XXXX XXXX said she wouldn't be the person assigned. When my agent called TODAY she was told XXXX WAS INDEED still supposed to work it, but when my agent emailed her the documents she continued to write that she wouldn't work it. My agent called AGAIN today and was told that XXXX  was supposed to return my agent's call, but hasn't. I'm told it has to be postponed TODAY or else there is no chance of getting the foreclosure placed on hold, how can this be okay when we have a full price offer?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: Diversified Consultants, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Back in XXXX of 2017 I disputed a debt with Diversified Consultants. I wrote a letter asking for verification bc I have no knowledge of this debt. Diversified Consultants deleted the debt on XX/XX/2017. Diversified Consultants has placed the debt back on my consumer file and also reaged the debt stating it opened on XX/XX/2017. 
This company is deliberately commiting fraud and trying to collect on a debt that they clearly do NOT own, and then reaged the same debt that they could not verify back in XXXX of last year. All violations of the FDCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 am a victim of identity theft. XXXX XXXX, XXXX XXXXXXXX XXXX XXXX has fraudulent accounts on my credit profile that need to be removed immediately. 

Account numbers : 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 2019-02-07
Company: ARC Management Group, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
A collection agency named ARC Mgmt Group, has just reported two collection accounts on my credit report. One is for {$510.00}, and the other is for {$480.00}. Prior to reporting these accounts on my credit report, I did not receive a notice of my right to dispute. If I had, I would have certainly contested the debts, because I feel they are not owed. I spoke with their reps, and told them it was illegal to report the accounts without first providing me with a 30 days notice to dispute. They told me that they didn't have to. When I cited this statute in the Fair Debt Collection Practices Act, they claimed that it does not apply to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: Square Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I was looking for a air conditioning service and the lady agreed and asked me for a deposit of {$100.00} I sent the money through cashapp. She asked for more money for the deposit and I told her I would send half the payment which was {$150.00} so I sent her {$150.00} in total. She said she never received the money, I thought it was a bit weird and asked her if she can send the money back I showed her proof that the money was sent and then she said no its wasnt when the money was taken from my account. I requested the money back on cashapp and she declined it and called my bank and they did a dispute but werent able to get the money back and they told me to file a claim through this website.

Company response to consumer: Closed with explanation