BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-02
Company: Experian Information Solutions 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:
XXXX ; Experian and XXXX are reporting incorrectly ( 120 ) days late on the XXXX XXXX account numbers : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. ( Please see pages 5, 6, 7, and 8 attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments, however this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line  items need to be removed from my credit report. I have contacted the bureaus to remove this, however I have been unsuccessful.

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 2021-11-03
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I applied for a credit card while vacationing in XXXX XXXX Nevada on XX/XX/2021 I was approved and received my Barclays credit card on XX/XX/2021 at my home address and called to activate it on XX/XX/2021. On XX/XX/2021 I tried to make a purchase with my Barclays credit card and found out that it had fraudulent charges XXXX that I did not authorize put on the card by merchant Wyndham Vacation. I called Barclays to report these fraudulent charges on XX/XX/2021, Barclays closed that credit card and issued me a new Barclays credit card with a credit limit of XXXX, I received the new card XX/XX/2021. I activated the new card on XX/XX/2021, Barclays investigated the fraudulent charges on the old card number and found that it was a fraud and sent me a new balance on the old card of XXXX balance and I received a letter from XXXX XXXX deleting the charges from my credit report. I start using my new Barclays credit card on XX/XX/2021, then on XX/XX/2021 I tried to use my Barclays credit card with the XXXX credit limit and found out that it was over drawn with fraudulent charges that I did not authorize again from the same merchant Wyndham Vacation on XX/XX/2021 Wyndham charged my card XXXX and again a second fraudulent charge on XX/XX/2021 in the amount of XXXX over drawing my credit limit of XXXX for a total of XXXX. I called Barclays to report these fraudulent charges and was told " I had to wait ten days to report these charges because they couldn't see the charges yet. I asked why they could not see the charges and I could see that my card was over drawn with fraudulent charges. XXXX is the person who told me this on XX/XX/2021 at XXXX Id # XXXX, I asked XXXX how was it even possible for Wyndham to fraudulently add charges to my card when I have only XXXX of available credit, but Wyndham was allowed by Barclays to fraudulent charge my credit card XXXX twice on XX/XX/2021 and XXXX for a total of XXXX. Barclays has yet to respond to these fraudulent charges so I called to have the second Barclays credit card closed also.

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 2016-03-22
Company: AR Resources, Inc. (FL)
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I keep receiving calls from AR Resources about a Medical debt and shows in my credit for {$340.00}. I 'm not aware of this debt and need more information

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
THIS WAS A REFUND NOT A DEBT

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 2019-10-02
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Called repeatedly every day multiple times. 

When I answered I told him I was at work and couldn't speak to please mail all items. 

The continued on and said he works the same hours I do and went on and on even when I said I needed to hang up so I wouldn't get in trouble at work. 

He came across very threatening to me. Please pull the audio recording.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-18
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I called XXXX  and XXXX, and Experian, I have inquires from places that I know I didn't apply to cause I have bad credit so it wasn't any reason for me to apply so I called them and ask them would they removed them because I am a victim of inquiry fraud. 
They have not .so I'm telling everyone out there that it is some fraudulent stuff involved at these credit beureas..

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 2022-10-04
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I filed a complaint regarding my mortgage company AFTER speaking with FHA and finding obvious disturbing things regarding the covid forbearance and modification on my loan. I attempted many times to contact them in reference to the information from FHA about the covid modification rules and of course, my concerns went nowhere. Especially when I said, " there was no modification filed and I did not sign a new modification ''. 

Rushmore LM filed an answer to my complaint loaded with more lies about " corporate advances '' that occurred during a bankruptcy filing and dismissal back in XXXX. After that bankruptcy, we had a modification and ALL cost involved were charged back to me in that modification, there was no " corporate advances '' to charge me again and then to say that the amount they received from the state of Missouri was to " reinstate my loan ''? WHAT? I started paying my loan back in XXXX and they received those funds in XXXX or XXXX. Can they lie anymore? 

Back to the modification. I contended that I did not sign one so, I asked for a copy of it. You can't make this up, but they actually mailed a copy of the covid modification that was NOT signed nor notarized! 

In conclusion : 1. Where's the signed and notarized covid modification?

2. Why wasn't our house principal and interest lowered 25 % according to FHA guidelines?

3. Why was their no partial claim filed?

4. Why did they collect corporate advances from a bk back in XXXX that ended in dismissal and a subsequent modification that included ALL of the legal fees? After Loss mitigation said they were owed " from the original loan in XXXX ''? Do you even know? 
5. Why was money accepted from the XXXX program, from my state, for reinstatement when my loan was already reinstated and then take corporate advances from that? Where was my notice of these corporate advances? 

I maintain now, as I did in my initial complaint that Rushmore LM has committed fraud and a full audit of all accounts, especially those who received a covid forbearance and any subsequent funds in reference to that forbearance. I am going to contact a news outlet with my concerns and perhaps get the word out to others that they might want to look at their mortgage more closely if they are being serviced by Rushmore LM.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: EQUIFAX, INC.
State: CO
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:
In accordance with the fair credit reporting act : 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 XXXXXXXX Has violated my rights :15 U.S.C. 1681 section 602 A. states I have a right to privacy.

:15 U.S.C . 1681 section 604 A. section 2. also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my XXXX 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: LD Holdings Group, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX I was offered a 3.625 % interest rate with an APR of 3.704 % on a conventional 20yr fixed with Lender Paid Mortgage insurance. It had no discount points applied to get to that rate. The Loan Officer had at this point gotten my Name, SS #, Address, expected mortgage, Home value, Credit score, and income. All the things you need for a true application. We locked that rate in on that day and I decided to proceed. 
This was a match or beat offer that got me to leave the company that currently was offering 3.99 % interest rate with 1 % discount point, APR was over 4 %. I thought this was a great deal. After the appraisal was completed and the initial underwriter review, it was discovered that I was offered a program that I did not qualify for. I was offered an interest rate on a XXXX XXXX Home Possible, but I make way too much money to qualify for that program. None of my information had changed at this point. 
Due to this fact to get the interest rate I was offered I have to pay .763 % discount points which is {$2600.00}. It took them 15 days to finally admit this mistake. Every time I followed up they would say its okay we're taking care of it, its a clerical error. 
I feel this was a bait and switch tactic to get me to go with this company and get me into the process so I was unable to switch back to another company with a better deal. 
Due to rising interest rates I am now unable to get the better deal a competitor was offering. 
I have also repeatedly received Loan Estimates and today a Closing Disclosure with missing an/or inaccurate information. I have repeatedly provided them with the correct escrow information for taxes, insurance, and information on the Title company I would like to use. They have repeated sent back inaccurate disclosures stating their system won't update it properly. 
This has also adversely impacted my ability to accurately determine what my closing costs should be and if I can afford to close. 
At this point they continually have been dragging their feet on getting required documents to close and I feel they may be trying to wait until the rate lock expires to get me to back out of the deal. The rate lock expires on XX/XX/XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-30
Company: Freedom Mortgage Company
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I wanted to take advantage of the new lower mortgage rates. I contacted my existing mortgage company, Freedom Mortgage, thinking it would be a more straightforward process since they knew of my payment history, etc. This process started on or about XX/XX/2020. A Loan Advisor gave me a mutually agreed rate/term, and I moved forward with the new loan. 

Numerous calls, many representatives at all levels of ranking in the Freedom Mortgage Corp., 139 emails later, a prior complaint with the CFPB, and I am still fighting the same fight. Mortgage Freedom agreed on many occasions, verbally, in emails, and on legal documents that I signed that they were NOT going to escrow any flood insurance, homeowners insurance, and any other type of account. Plus, there must be many recorded conversations about this as well, since it is their protocol. 

Nevertheless, when I received my first mortgage statement on XX/XX/2020 ( due XX/XX/2020 ) with the new loan account, they included an escrow amount and required it as part of my monthly payment. I will NOT pay any escrow, no need, I DID NOT AGEED TO, and now Mortgage Freedom is holding me accountable for it? This is wrong, shameful, fraud, misinformation, deception, bait and switch, and a scam. I am determined to expose this bad practice to every authority that governs this process and this institution. 

Now, I have been an ideal customer. Never a late payment, never a missed payment. And at this point, it is beyond shameful the ordeal Freedom Mortgage has put me through. The hours I have spent, and my time is valuable is inexcusable. I urge you to stop this immediately. Freedom Mortgage must be held accountable for their malpractice and egregious customer service.

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 2021-10-06
Company: FORD MOTOR CREDIT CO.
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: Account information incorrect

Complaint:
FORD MOTOR CREDIT COMP reporting my Loan as OPEN with balance of XXXX while I PAID it off back in 2020 and took a NEW finance with XXXX XXXX. 
I called FORD and asked them to fix it they claimed the account is PAID OFF and they REPORTED it to the 3 BR while I still see it as open with XXXX balance. It damages my FICO 2 score for mortgage heavily!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I can't give you dates because these people ( Midland Credit Management XXXX XXXX XXXX ) have called me up to 3-4x a day since XXXX of last year and I have requested that they QUIT calling me NUMEROUS times. I have also been called at XXXX, XXXX, before XXXX, you name it, they've done it all. 

I block their numbers, they come back with literally 50 more, probably using a XXXX phone pool of rotating numbers. I think I reported about 20 of them the other night. 

They also refuse to announce who they are, only claiming that they're calling about a " Business venture '' in which I made a caller slip up on a call because she failed to claim our call was being recorded until AFTER I called her out on shenanigans in which she announced who they were and why they were calling. 

I have had them tell me they can't stop calling me unless I send a written letter, this is also a lie. When I tell you " Stop harassing me '' and you continue to do it, that's legal grounds. 

Listen, I'm fed up and these stalkery, creepy people with a bad business plan aren't my responsibility. Buying debt is XXXX. They can go under and deserve to. 

Tell them to take it up with my strawman account while you're at it. Americans aren't playing this fake debt game anymore.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-27
Company: United Resource Systems, Inc
State: KS
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 XXXX believes I owe them medical debt. I assert that I do not and communicated this to XXXX XXXX XXXX. XXXX XXXX hired United Resource System, of XXXX, CO, to collect on its debt. United Resource System never contacted me but simply listed its account on my credit report in violation of the Fair Debt Collection Practices Act. Had they contacted me, as the law requires, I would have formally disputed the debt. I need United Resource Systems to please immediately remove its entry on my credit report and come into compliance with the Fair Debt Collection Practices Act.

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 2022-12-15
Company: Experian Information Solutions Inc.
State: NV
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 blocking files when theyre sent with an FTC fraud report. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law 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 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 2021-10-06
Company: NATIONS LENDING CORPORATION
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am a XXXX veteran  that has been able to take advantage of the XXXX program offered to veteran home owners to refinance their homes at no cost, no documents, no credit or income verification. I just have to be a veteran and have no late pays on my mortgage history. I did not have any until I went with Nations Lending for this program and what should have taken 30 to 45 days, took almost 6 months for them to complete. I was advised in an email that I did not have to make the XX/XX/2020 payment or the XX/XX/2020 payment. I was then notified near the end of XXXX to make my XXXX payment because the underwriter was sick and they had no one else to sign. This delayed the process and I was not able to make my XXXX payment until XX/XX/2020. My wife contacted XXXX Mortgage immediately to make arrangements to see if we could stop it from being reported late and was advised by XXXX that they understood that we were refinancing and they would be paid in full and never said anything about it being reported late. They finally funded the loan over a month later and now I have a late pay on my mortgage because of the lack of customer service to a XXXX veteran during a global pandemic. I have made several requests to both companies to assist and they have refused to provide any customer service to me in this situation. This has caused 2 lines of credit I had to be closed as well as a credit limit being lowered by over 75 % of what the limit was on a credit card I have in good standing. This happened due to the lack of training on the part of both companies and the meaning of CUSTOMER SERVICE. I feel that both companies should be removed from this veteran program and any VA lending until they can prove they have the proper training to assist Veterans.

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 2022-12-01
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 have been contacting the company about my current situation I have been trying to get to investigate this matter but I guess I should now ask for the help of the authorities to get the matter resolved. Now Please remove the negative items while the FTC are doing the investigation.

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 2020-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have informed Trans Union on several occasions ( at least 5 times ) and the other major bureaus that they have the wrong information with regards to my name, address and telephone 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 2017-12-13
Company: Coinbase, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I placed a wire transfer of {$25000.00} at XXXX XX/XX/2017 from my bank, XXXX XXXX XXXX , to Coinbase Inc , who instructed me to transfer it to their account with Metropolitan XXXX XXXX . 

Routing Number : XXXX Account Number : XXXX Recipient Instructions : XXXX As of this moment, the amount has not been credited to my XXXX account with Coinbase. I have opened a ticket with their support team and received no response. I have tried calling their support phone number and the phone was never answered. 

Case # XXXX This appears to have happed to several other people. 
XXXX XXXX  XXXX

Company response to consumer: Closed with explanation