BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
On XX/XX/XXXX I went to XXXX XXXX and purchased a prepaid XXXX phone clealry marked " Prepaid '' on the box, and marked many times within the packages contents. XXXX only sells prepaid phones. I used the phone for two months purchasing prepaid phone cards from XXXX. This is the only time in my entire life I have ever used XXXX for any purpose. I never made any purchases, signed up for any contract, or incurred any charges. I never received any bills, collection notices, or any communication in any form from XXXX ever. How can I owe money for something I never had, and for an account I never opened? Have they somehow mistaken a prepaid phone I purchased outright for something else? It states " Loan Type '' ..what loan are they speaking of? Almost 3 years later I see this on my credit report. 

Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : TELECOMMUNICATIONS/CELLULAR Balance : {$130.00} DateUpdated : XX/XX/XXXX High Balance : {$130.00} Past Due : > XXXX XXXX< Pay Status : >In Collection< Date Closed : XX/XX/XXXX I am 100 % certain this is an error. I am sure I have never owed XXXX any money for any reason. I filed a credit report Investigation with Transunion who sent me back a result stating only that it " Belongs to me ''. and nothing has changed. I still have the phone I purchased from XXXX. When I called XXXX they have no idea what the charges are for and were not able to tell me anything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XXXX XXXX,2016 a hard hit inquiry was placed on my XXXX  report due to a fraudulent application " cominetycapital/XXXX ''. I have called numerous times to have them contact XXXX to remove this inquiry and nothing has been done. They now tell me they ca n't locate an application for me and an account was never opened so it should not be on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-04
Company: Smith Debnam Narron Drake Saintsing & Myers LLP
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am XXXX XXXX and I am submitting this complaint myself there is no third party involved. I am writing this complaint because Smith Debnam Law Firm continues to violate my rights as a consumer. On XX/XX/2022, I sent them a Cease and Desist and Debt Validation letter asking them to show proof that I owe this alleged debt and to stop violating my rights pursuant to Title 15 Chapter 41 Subsection 15 USC 1692. They continue to violate me by invading my privacy and providing abusive and unfair debt collection practices pursuant to 15 USC 1692c. They have yet to show proof or provide me with the documentation I have requested. I have received harassing letters from this law firm on XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022. After I have asked them to Cease all unfair communication. Pursuant to 15 USC 1692e ( 3 ) a debt collector may not use any false, deceptive or misleading representation in connection with the collection of a debt or imply that he or she is an attorney or that communication is from an attorney of which they are in direct violation. On XX/XX/2022, I sent a Cease and Desist letter disputing the validity of this alleged debt and demanded an audit trail and I have not received the documents. I asked for all documentary evidence of their claim but all they send are monthly statements that do not show where the charges and credits originated or when. They harassed me and abused me by coming to my home on Sunday, XX/XX/2022, at XXXX pm they served my husband paperwork in front of my neighbors and children. They have embarrassed me and used obscene language stating I owe this alleged debt. This firm has caused me so much mental stress by sending letters in the mail indicating they were from a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Hello to whom it may concern, Under the new law effective XXXX XXXX 2017 any public record thats reporting on a credit file must include name, address, social security number or DOB. At this time XXXX XXXX  nor transunion is in compliance with this new law and after careful investigation I am seeking to have these incorrect public records deleted off my credit file. Thanks & XXXX Bless

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 2018-01-03
Company: Professional Recovery Consultants, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, My name is XXXX XXXX and I am receiving phone calls from multiple credit recovery agencies for some other persons debt. I changed my phone number to a new phone number over a month ago and now I am receiving calls regarding this persons debt. I have no debt what so ever. The most recent organization to contact me was from : Date : X/X/2018 @ XXXX XXXX XXXX XXXX XXXX Professional Recovery Consultants XXXX XXXX XXXX XXXX . XXXX XXXX, NC XXXX PH : XXXX I have registered my phone number on the DO NOT CALL list, on X/X/2018. I am receiving multiple calls from different creditors at all hours of the day, multiple times per week.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28
Company: DISCOVER BANK
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Discover card demanded that I give them permission to demand my tax returns from IRS, I refused they closed my card, send me letter today XX/XX/19, kept my rewards almost {$150000.00} + miles. I was never late with my payments. Spoke with mngr XXXX from OH yesterday he trolled me for 2 hours with all sorts of nonsense, refused to release my rewards and stated card was closed on XX/XX/19 because I did not release access to my taxes from IRS. 
Also my rewards are voided because I did not call and ask to redeem. Then he listened to my call from XX/XX/19 when I asked to redeem my rewards but said that I did not ask properly. I was never late with my payments and had card for over a year. Discover is acting like a true troll and scammer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
For several months now, I've sent multiple letters to Transunion to dispute a fraudulent, unauthorized inquiry that was made on XX/XX/21, by XXXX bank. I've called Transunion several times after I mailed my letters in, but the fraudulent inquiry remains on my credit report. I want this inquiry to be removed immediately, please!

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 2021-08-18
Company: WELLS FARGO & COMPANY
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Wellsfargo is using an algorithm that factors in race resulting in a decreased credit scores for people of color. This is a violation of my civil rights when seeking to obtain an adequate interest rate. Their method is suppressive to people of color. I recently paid down {$14000.00} in student loan debt and more than {$1200.00} on my auto loan only for Wellsfargo to decrease my score 20 points after the major credit bureaus has increased my FICO score 18-20 points. I strongly believe Wellsfargo decreasing my score is suppressive due to their algorithm using race as a factor. Their racist algorithm needs to be invested.

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 2022-02-08
Company: NORTHWEST BANCSHARES INC
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I was charged a Title fee in my paperwork from the dealership. The bank Northwest actually holds the tile but want me to pay this fee again to get a replacement Title.

If I am to pay this Title fee again Northwest Bank will need to refund me {$15.00}. I paid this fee once Northwest Bank is in procession of my original title.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: Experian Information Solutions Inc.
State: CA
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:
I have a mortgage with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX  reporting me 150 days late payments. There was an error on their part. I was never 150 days late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Security freeze implented via my I'd was cancelled months ago PERMANENTLY. It would be nice of these so called professionals comprehended English because they evidently can not. I am now l locked out and need everything removed YESTERDAY by all three XXXX  agencies XXXX XXXX and Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Bank Of America continues collection activities and continues sending me monthly statements on an account that was discharged in bankruptcy on XX/XX/2019.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
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: Information is missing that should be on the report

Complaint:
XXXX is reporting a XXXX dollar missed payment from 2019 when i wasnt in hostpiral for anything then and i had medicare then which would of payed bill so how can they say i missed XXXX  dollar payment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: LD Holdings Group, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We signed a purchase contract for a new house on XX/XX/XXXX with tripointe homes. I was told by the sales rep that they had an in house lender ( tripointe connect ) which is partly owned by Loan Depot, and would receive a lender incentive toward closing costs of {$7500.00}. I spoke with a loan officer who quoted me a rate of 2.99 % with no points on a 30 year fixed rate mortgage. We called around to other lenders and all including tripointe connect were within .125 % of each other. We elected to use tripointe connect to take advantage of the {$7500.00} incentive. We were told that the longest lock available was 6 months and would include a one time rate float down that could only be done within 45 days of closing. Until then the rate would be floating. In XXXX we locked the loan for 6 months at 3.25 % with a rate adjustment of .25 % to account for the 6 month lock. Therefore our rate was locked at 3.5 % with an anticipated closing date of XX/XX/XXXX. The 6 month lock gave us extra time to account for any delays. Our lock expiration was XX/XX/XXXX. On XX/XX/XXXX We contacted the loan officer to see inquire about excersising the one time float down. We were told that rates had risen and were above 3.5 %. Loan Derpot 's rate sheets were available on the internet and showed that we should have been able to float down to 2.99 % with no points. I asked why we weren't being quoted the 2.99 % rate that we were qualified to have. We were told that the branch manager would contact us to discuss our concerns. When the branch manager called he told us that I wasn't understanding what I was reading. I was in the mortgage business for several years and understood perfectly how to read any rate sheet. Our belief is that we were quoted a low rate to entice us to to use tripointe connect. Once we were contractually obligated to use the in house lender there was no longer an obligation to quote a proper rate. They had no idea that there rate sheets were available to the public. We believe this is an ongoing problem with this lender that could effect hundreds if not thousands of borrowers. We believe that their actions constitute fraud and a violation of the fair lending act. We have attached a copy of the rate sheet for the date that we contacted the loan officer regarding the float down/

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05
Company: Perfection Collection
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Opened XX/XX/2015 for the amount {$4500.00} place on my credit report. I never assumed or granted credit from Perfection Collection. XXXX XXXX went out of business and they forgave all money owed due to poor business practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: PHH Mortgage Services Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Two months ago my personal checking account was overdrawn. In researching it I found out that XXXX XXXX over charged my mortgage payment by {$600.00} its causing such. I called XXXX XXXX XXXX to find out how it happened and advise them not to allow it again. Next month it happened again. Overdrawing my account. XXXX XXXX outsources the mortgage payment process to PHH. I tried to set up bill pay through XXXX XXXX XXXX for last months bill. XXXX XXXX XXXX rather than paying PHH mailed a certified check to my home. PHH collections are making calls to me and Im trying to make the correct payment. The reason for the additional XXXX is that my insurance did laps. Which I resolved immediately. My insurance agent sent proof. They also claim that I did not pay property tax. I called XXXX XXXX XXXX tax appraiser who advised me that the taxes were paid and sent me proof by mail of a receipt.No one at PHH or XXXX XXXX will give me an email to send in the proof of tax payment. The last two times Ive spoken with PHH, I was promised that they would call me back the next day with resolution. It never happened. Today, I was left on hold for 10 minutes and then hung up on. 
Any assistance and or guidance will be gratefully appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: EQUIFAX, INC.
State: NY
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:
hello my name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. this is horribly impacting my life tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Trans Union is the subject of this complaint : 1. Trans Union was notifed and provided all supporting legal documentation in support of my name change. My name is not XXXX XXXX XXXX, however Trans Union icontinues to report this incorrect name 2. The correct spelling of my name is XXXX XXXX XXXX. 3. There is a hyphen between my two middle names. 4. There is an upper tier underscored XXXX followed by a capital XXXX in XXXX. 5. Trans Union i is erroneously reporting XXXX XXXX as late. This car payment has never been late. 6. Trans Union is reporting an XXXX XXXX past due balance of {$20000.00}, when the payment is not past due. 7.  Trans Union and XXXX XXXX are over reporting the current loan balance of {$17000.00}. 8. Trans Union i is reporting unauthorized hard credit inquiries from XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX. I did not authorize any hard inquiries from these institution, but I was contacted by each regarding pre-authorized card offers which [ they each ] promised would not impact my credit score. 9. Trans Union is improperly reporting the XXXX  of Atlanta, XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX as my employer when none of the aforementioned are my employer. 10. Trans Union ioriginally removed negative reporting from XXXX XXXX XXXX XXXX and [ XXXX ] XXXX Account with respective balances of {$22.00}, XXXX ; {$5100.00} ; {$4200.00} ; {$3400.00} ; and {$2700.00} but have since replaced these negative accounts on 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 non-monetary relief
Consumer complaint received 2018-01-03
Company: EQUIFAX, 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 am having a problem with Equifax removing a collections account from XXXX XXXX XXXX. It was removed from XXXX over 6 months ago but Equifax refuses to remove it after multiple dispute submissions. The creditor is XXXX XXXX who also said they would not hold me responsible for the account when it was made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-26
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Your Name Your Address Your Phone # Request for Investigation of Unauthorized Inquiry I checked my personal credit report, which I acquired in XX/XX/XXXX and I noticed several unauthorized inquiry had been made. I contacted companies who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. I request that you initiate an investigation into hard inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry. 1.XXXX 2.XXXX XXXX XXXX XXXX 3.XXXX XXXX 4.XXXX 5.XXXX  XXXX 6.XXXX 7.XXXX XXXX XXXX 8.XXXX 9.XXXX 10.XXXX the inquiry  referenced above have been disputed please remove from my report Thank you for your assistance in this matter, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl 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 2018-01-03
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
i have asked XXXX to send me me credit report to see my history and score but its saying error. i called them they gave me a claim number. i keep on sending them my personal as gov id, ssn, utility bill, and proof address. every time i send them my info to them they send me a letter to send them all these info again. they keep on sending me the same letter with different case 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 2018-01-03
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX , XXXX. amount is {$11000.00}. I have disputed this with XXXX XXXX XXXX , XXXX. several times and also sent XXXX XXXX XXXX , XXXX. a debt validation on XXXX XXXX, 2017. XXXX XXXX XXXX , XXXX. has not responding and also have reported me to all three credit reporting agency 's.

Company response to consumer: Closed with explanation