BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-12
Company: TFS FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2022, my husband and I applied for a mortgage loan with Third Federal Savings and Loan. We wanted to obtain a pre-approval to begin shopping for our new home. Initially we tried using the online application, yet it was confusing as it require the applicant to enter the address of the home you want to finance. We would not know that information, thus, requesting a pre-approval to locate a home within our budget. We then called the Third Federal Savings and Loan location at XXXX XXXX XXXX, XXXX OH and spoke with XXXX. I told her that I was looking for a home in several nearby school districts. Via the phone, XXXX took our pre-approval application over the phone. She called us back the same day and spoke with my husband to state that our application was denied due to my husbands credit score and my DTI was high. On XX/XX/2022, I reached out to XXXX to gather more information about the credit decision and she stated that my DTI was high and I would not be qualified for the loan amount that I initially requested, which was {$450000.00}. I asked her how much I could pre-qualify for and she responded that I would not be able to afford what I am looking for in the school districts that I mentioned when the application was taken. XXXX then stated maybe {$800.00} a month and I dont know when I asked about the loan amount. She brushed me off. In addition, XXXX stated that anyone with credit scores less than XXXX will have pmi added to their mortgage loan. Knowing our race and ethnicity via the XXXX questions and age based on the application, XXXX became unprofessional on her communication of the credit decision and guidance for next steps and possible options. My ask is to ensure the credit application was decisioned properly and support of the credit decision is evident.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: Preferred Collection and Management, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was on-line looking at my credit report prior to buying a new vehicle an d noticed a medical collection I had no knowledge of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: CBC Companies, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX shows XXXX 30 days missing paying on a car loan, one in XXXX and the other in XXXX. 
XXXX only has XXXX days and XXXX on each leap year. 
Ally shows payments in XXXX and XXXX as being paid as agreed. How did XXXX account for 30 days in the month of XXXX? 

If this was a computer error and automatically generated it should be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: EQUIFAX, INC.
State: IL
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:
NO MISSED PAYMENTS XXXX  XXXX ACCOUNT # XXXX NO MISSED PAYMENTS XXXX   XXXX ACCOUNT # XXXX NO MISSED PAYMENTS XXXX XXXX ACCOUNT # XXXX NO MISSED PAYMENTS XXXX ACCOUNT # XXXX XXXX  XXXX None authorization on XX/XX/XXXX XXXX CONTACT DETAILS XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX None authorization on XX/XX/XXXX XXXX CONTACT DETAILS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX None authorization on XX/XX/XXXX XXXX CONTACT DETAILS XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX XXXX Non authorization on XX/XX/XXXX XXXX CONTACT DETAILS XXXX XXXX  XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX Non authorization on XX/XX/XXXX XXXX CONTACT DETAILS XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX EQUIFAX XXXX Non authorization on XX/XX/XXXX, XXXX CONTACT DETAILS XXXXEQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XXXX XXXX XXXX Non authorization on XX/XX/XXXX XXXX CONTACT DETAILS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
PayPal sent me an email on X/X/18 that said they were sending me an " Annual Error Resolution '' notice and how to proceed with handling errors or unauthorized charges on my account. I have not used PayPal for money transfers recently, so this was an alarming email to get ; I interpreted this email to indicate there may be identity theft or someone was using my account without authorization. They included a link to their website ; I tried finding answers on their website but it was not easy to use. I called several times, and finally had the option of leaving my number for a callback. When my cell phone rang it said the call was from XXXX NE, but when I answered the phone I did not understand what the other person was saying, but she did indicate she was in the XXXX. I believe this is a highly misleading business practice, and I have only become more concerned knowing that someone on the other side of the globe has access to my account information. I want PayPal to immediately close any accounts I have with them, delete any and all of my information and never contact me again for any reason. They need to be much more clear and upfront about exactly why they are sending emails, and if they are going to do business with Americans they need to get some American customer service so we can have trust in exactly who we are talking to and why. I am suspicious if PayPal was hacked and ID thieves have access to sensitive information?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-23
Company: The CMI Group, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums.

Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : 1. XXXX out the balance on this account. 
2 Deletion from all consumer reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-11
Company: Rent Recovery Solutions
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt is in the amount of {$150.00} and the original creditor name is " Rent Recovery Solutions ''. The date assigned is XX/XX/XXXX. This alleged debt is in regards to the apartment complex " XXXX XXXX '' located in XXXX, TX. They have since changed their name to " XXXX XXXX XXXX  XXXX '', no doubt due to several complaints about this facility and the incompetent way they handle their business. I had rented an apartment from this complex in the fall of XX/XX/XXXX. This complex boasts that they include pre-furnished rooms in all their apartments, which includes a desk, dresser, and bed. Within one week of moving into my room, my whole body was infested with bed bug bites as the bed was infested with bed bugs that were never fumigated. Needless to say, I moved out of there as soon as possible, and the apartment head manager XXXX had agreed to refund all of my deposits and my first month of paid rent. Not only did I never receive my refund, I received a call a few years later claiming that I had an unsettled " moving out cost '' with them. I had explained my situation to the representative and thought the situation would be taken care of. Fast forward to now in XX/XX/XXXX as I 'm checking my credit report, and the dispute is still on my report. I would like this erroneous charge to be removed from my credit report as it is not only grossly incorrect, but it is negatively impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
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: Reporting company used your report improperly

Complaint:
I received a catalog for XXXX and XXXX on XX/XX/XXXX. I ordered some items and paid it off on XX/XX/XXXX. There was no hard inquiry. My credit score  went down and I am in the process of cleaning up my credit report. 
Opening a new account can temporarily lower your score because it adds a hard inquiry to your report and lowers your average age of credit history. 

Please remove the XXXX account also. It is paid in full.

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 2020-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
this is unbelievable. I check my credit and I cant understand how someone stole my identity and get away with it they open up Credit Cards and then brought a Car using my information.

how is this possible don't every company has to do there due diligence for every customer with out my signature. all of theses Accounts are fraud and was not authorize by me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: JPMORGAN CHASE & CO.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a credit card in the mail from Chase Sapphire Preferred that I did not apply for. I contacted the company, and they cancelled the card, but I would also like to make sure they remove the XX/XX/21 JPMCB credit inquiry on my credit report and safeguard my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-26
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: Public record information inaccurate

Complaint:
The account was paid in full on XX/XX/2019. 
The creditor was awarded a judgement for garnishment against me on XX/XX/XXXX. 
They left the account open and didnt start the garnishment until XXXX. 
I paid it off in full XX/XX/XXXX. 
They reflect the account as still being open and being in bad standing. 
They never reported the judgment or the payment. 
And the charged me over what judgement was.

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 2018-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Transunion case # XXXX & XXXX Credit card for XXXX store. THIS case is against both of them as a ) this issue never became one and b ) Transunion ruined my credit score downward my -10 points for something not my fault. 

In either XXXX or XXXX of XX/XX/XXXXI made a purchase with a brand new, just that day, XXXX card. The total ended just under {$18.00}. I 'd just moved to this city in XXXX, MN XXXX so it was first shop at this store. 
A few months later during the move it occurred to me I 'd not RECIEVED any mail from XXXX and oh my gosh! I 've not paid my bill! 
I quickly called, explained why I was late the few months, paid it in full and THAT WAS IT. CARD PAID OFF. 
So explain to me why I 'm being sent to collections and I have numerous days on my account that I 'm past due? I called and paid it!!!! 
Plus I called in XX/XX/XXXX as I saw action on this closed account and I thought I was being used by identity theft!!! I called immediately and was about to call anyone I could but thankfully I had someone from XXXX on the line saying all was fine. 
FINE??? WHY IS MY CARD STILL SITTING IN ACTION BUT NOT BEING " USED ''? 
WHAT IS XXXX DOING TO ME? 
I beg you to please help as I do n't trust whatever is going on. 
THANK you kindly, 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 2018-01-11
Company: Patient Accounting Service Center
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I received an invoice from XXXX XXXX with the invoice amount broken down as following for a services claimed to have provided in XX/XX/XXXX : Account number : XXXX Patient payment : {$0.00} invoice balance : XXXX I called XXXX the next day and inquired why I received this invoice as I had full coverage of NY XXXX through XXXX with {$0.00} co-payment? Hospital rep informed me that this invoice is only for information whilst the payment will be settled with insurance company and I do n't need to worry. I kept the invoice but did n't note down the exact date and time of my phone call with XXXX. 

on XX/XX/XXXX I received a letter dated XX/XX/XXXX from Debt collection company ( XXXX ) ( Account # XXXX ) notifying me of the debt claiming that I owe {$640.00}. I called the debt collector but was not offered any assistance. While I am trying to contact the XXXX, I am afraid that I need assistance of your bureau to make sure both XXXX and XXXX give this matter due consideration to sole the problem with insurance company and necessary information is provided to me for appropriate action. 

For the medical assistance which XXXX has offered, every single step is taken as instructed by my XXXX who is also the focal point to advise regarding my coverage and to seek approval of insurance company for the expenses. All medical assistance which I have ever received from this medical facility, endorsed by my XXXX include urgent care-outpatient assistance, regular medical check and relevant normal process. None of the medical assistance were ever doubted or advised by my XXXX to be outside my insurance coverage. I believe that the XXXX processing associate may have been mistaken to omit my insurance which is after almost two years and last year 's assurance that this invoice will be settled with insurance, is made my problem with XXXX assistance offered from debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: Veripro Solutions Inc.
State: VA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX  Veripro Account Number # XXXX Attn : Manager or CEO The original creditor was XXXX. My mother is XXXX I have some major concerns with Veripro Solutions ( VS ) because I have tried to negotiate settlement with 2nd mortgage debt. I received a reduced payoff offer of {$4300.00}, however I spoke to the point on contact with this account that stated the reduced payoff amount is {$5000.00}. 
I property is in my mothers name and I informed them that I would like to discuss settlement options. I informed XXXX that my mother XXXX XXXX and I was trying to discuss to settle the account. I informed her that I paid off the 1st lien for a lower amount, which I have faxed documentation to show the lower payoff amount. 
She stated that she was unconcern with my financial hardship and that I would be responsible for agreeing with the payoff offer or I would lose the property.

Venripro Solutions is trying to take advantage of our family because the representative stated that they would sell the home since VS is now in 1st lien position. There are several issues ( 1 ) property value decreased ( 2 ) VS tried to increase settlement offer ( 3 ) no income ( 4 ) trying to sell the property without my consent. 
I cant afford the required monthly payments or come up with enough to pay off the total amount of the debt ; I have tried to negotiate a settlement for 2nd lien position.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: SYNCHRONY FINANCIAL
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
A paypal credit account was opened on my account on accident. I don't recall opening it or consenting to a credit account. I only discovered the account when I got a delinquent payment email. I paid the balance and promptly called Paypal to close the account. I believe the account was closed. 

I'm making this complaint because I believe its completely inappropriate ( and possibly illegal ) that an account was opened without my explicit consent.

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 2018-01-16
Company: EQUIFAX, 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 previously disputed items which you verified as accurate. However I asked in writing XX/XX/2017 to please provide me with your method of verification, I asked for the following information in accordance with the FCRA. 
1. copies of any documents you used to make your decision, including electronic correspondence of all types.

2. A copy of all information you sent to the data furnisher during your investigation, including transcripts of all telephonic conversations and any information received from that data.

3. the name and job title and contact information of the individuals you contacted at the data furnisher.

4.the name and job title and contact information of all employees within the organization that played a part in handling the dispute. 

you have failed to provide valid information and method of verification and I ask that you delete these tradelines immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08
Company: ERC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After reviewing my credit report I have discovered an inaccurate listing included on my file that I never knew about and did not sign any contract for. This company which I hold no contract with nor have received serviced from, reported a amount of {$1400.00} with XXXX, XXXX and XXXX credit reporting agencies. This has been on my credit report since XXXX and I have not been contacted to resolve this debt. I do not and should not have a signed contract with ERC or XXXX. I have never done business with either company. I am not reliable for collection from this debt from ERC or XXXX. After reviewing my report I sent debt validation letters to ERC requesting the original signed contract stating that I have or had an account with XXXX. This communication was sent XX/XX/XXXX. The FCRA requires you to verify the validity within 30 days. I have disputed this collection account with all three credit bureaus and ERC has not provided any information, contract or adequate proof. that I actually signed proving this account to belong to me. These disputes were sent to the credit bureaus on XX/XX/XXXX and ERC has failed to provide the necessary information and have only reported to the credit bureaus that my account was being reinvestigated. Validation that I actually signed a contract has yet to be received. As the accounts are under reinvestigation over the past two years it has affected me from getting credit to build my credit. If the validity can not be verified, they are obligated to remove this collection. I have never signed a contract with ERC or 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 2018-01-11
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a checking account with Huntington Bank under a promotion " {$300.00} Bonus if you deposit {$2000.00} '' on XX/XX/XXXX. I met all of the requirements within 1 day. After a couple of months I called and messaged them to check on the bonus, which had n't posted yet. 

I was told that I needed the exact promo code I used to open the account. This was about 4 months after the account opening. Nowhere in the sign up process did it mention that I was required to save the promo code ( a ridiculous requirement to me ). I do vividly remember clicking the " {$300.00} bonus '' icon and then signing up for the checking account with the promotion clearly stated ( I had a screenshot that I was willing to share with them but it was saved on my work computer, where I am no longer employed ). 

Huntington kept telling me that if I did n't have the promo code they could do nothing ( who keeps a 4 month old promo code flyer? ) I believe this is unfair, since I met all of the terms of their promotion and was hoping that the CFPB could help me in getting this resolved. 

Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted XXXX on several attempts about these accounts and inquiries placed on my credit file. These accounts and inquiries are not accurate information .. All the inquiries are unauthorized. The accounts that dont belong to me are XXXX XXXX XXXX XXXX These accounts are fraudulent as I was a victim of identity theft

Company response to consumer: Closed with non-monetary relief