BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-16
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company, Midland Credit, has been calling repeatedly and sometimes twice a day regarding a collection account that is XXXX years old and can no longer be collected. 

Phone number is XXXX. They have also been calling my husband and he was not even involved in this collection. Dates XX/XX/XXXX twice, XX/XX/XXXX twice, XX/XX/XXXX twice, XX/XX/XXXX twice and they also called my husband. 

I asked them to please stop calling and have also disputed collection on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-07
Company: SUNTRUST BANKS, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Please accept this Qualified Written Request whereby I am formally requesting a copy of the Truth in Lending Disclosure from the XX/XX/2008 closing. Thank you - 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 2017-11-19
Company: CITIBANK, N.A.
State: CA
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:
Cbna/sears Hard Inquiry from XXXX XXXX, 2016 XXXX, OH XXXX ( XXXX ) XXXX Info from XXXX & XXXX  via XXXX XXXX XXXX XXXX website. 

This hard inquiry was not authorized by me as I have never applied for any type of credit from sears.

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 2023-09-04
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting 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 have identified and notice many mistakes on my credit report. I have filed a report with the FTC. I would like to have these inquiries deleted. I did not authorize these company to run my credit that's fraudulent. I have reached out to all XXXX bureaus of the mishaps and they told me to wait a while and I will notice a change it has been over 6 months and no updated credit report. Thank you.

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 2022-02-05
Company: Specialized Loan Servicing Holdings LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We refinanced with XXXX in XX/XX/XXXX. As part of our closing, they insisted on paying our property taxes that were due by XX/XX/XXXX. So the title company for XXXX  ( XXXX XXXX XXXX ) paid our property taxes at closing ( receipt attached ). Shortly thereafter, our mortgage was sold to Specialized Loan Servicing. Specialized Loan Servicing then sent in a check to pay our property taxes AGAIN. The website shows they issued the check to XXXX XXXX on XX/XX/XXXX for {$4900.00}, which left our escrow account firmly in negative territory. I tried calling them on XX/XX/XXXX when I realized their mistake, but could not get through to the escrow department. It kept disconnecting me. I got a hold of a live person by going to the payment division, and the rep confirmed that the phone lines for escrow were down and to call back another day. He suggested I contact XXXX XXXX in the mean time to see what happened with the payment. I called XXXX XXXX MO XXXX XXXX XXXX, who confirmed that they had indeed received the check from Specialized Loan Servicing, but as the property taxes for our account had already been paid previously on XX/XX/XXXX by XXXX XXXX XXXX, they sent the check back to Specialized Loan Servicing without depositing it in early XXXX. In the mean time, I sent an online message to Specialized Loan Servicing to try to rectify the situation since their phones were supposedly down. All I received was a message to call them. Not helpful. As they have limited hours, I had to take time off work on XX/XX/XXXX to try to get a hold of someone again. Finally did. She said they would " research '' it and to give them XXXX business days, even though it had been at least a week since they likely already received the returned check. It has now been XXXX weeks since my phone call to them and nothing has been done. I am extremely concerned about our money at this point, as their online reviews are awful. We didn't have a choice as our mortgage was sold to them, so it is important that someone is watching over their business practices. They have STOLEN {$4900.00} from our account.

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 2023-09-13
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX  XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
We sold a home last year and XXXX XXXX refused to credit our account after acknowledging receipt of the payoff amount they requested. That case was reported as case number XXXX XXXX claims to have sent notification to the credit bureaus that our loan was never delinquent and yet here we are three months later and no changes appear on our credit history. PLEASE tell us what we need to do to have our credit history restored to what it should have been before XXXX fraudulently intervened. We need this fixed with all credit bureaus. 

Thank you

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Well it was a while back. I ended up closing my accounts. 
It was to much drama trying to pay bills and get to my money! 
I do have two cd accounts open from an accident for both of my sons. 
They are about to receive them this year in a few months. 
I was also wondering if I could ask about my dad had an checking and savings account through them for 10 to 15 years but he dead XXXX years ago! 
I know he had many issues with them. 
I kept telling him to switch banks but he didn't listen. 
Thank you for hearing me out. 

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 2022-02-08
Company: LD Holdings Group, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Since XX/XX/XXXX my mortgage has increased by {$2400.00} monthly from {$3500.00} to {$5900.00}. Upon inquiry, I was informed that the increase was due to a and escrow shortage in the amount of {$19000.00}. I requested an investigation and it was found that a check in that amount was sent out to me on XX/XX/XXXX of XXXX XXXX and was cashed in XX/XX/XXXX of XXXX. This check disbursement is the express reason for my escrow account being short, ( shortage amount {$19000.00} ) and as a result, my payment has significantly increased to close the {$6000.00} a month. 
I am unable to pay that amount, naturally and am requesting an escrow analysis to determine why my account is constantly showing either an overage or a shortage in order to stop this problem from arising again. This is the second check that was sent to me, the first being in the amount of {$12000.00} in XXXX. At the time, I called and inquired about the funds and was told it was an overage and that it belonged to me. 
I have been ready to make my usual mortgage payment of {$3500.00} and requested permission to make payment until this shortage issue could be solved but was told by customer service reps that they could not take partial payments. I was advised to request a shortage spread over thirty-six ( 36 ) months so that I would be able to afford the payments and sent a written request in XXXX but have yet to receive a response. I have called numerous times and spent many hours on the phone trying to rectify this, as documented in call logs and your customer representatives notes on my account. Meanwhile my account is three ( 3 ) months overdrawn and I received a foreclosure letter this past weekend. As you can imagine, this is very frustrating and worrisome, as I have been attempting to make contact and receive a resolution to this problem for close to 3 months. As a result, my credit has been negatively affected and I am being charged late fees on a monthly basis.

I am requesting an escrow analysis to determine the cause of these discrepancies/ disbursement, and seek a reasonable resolution to this problem so that I may return to good standing on my mortgage. Up until this time, I have not missed or been late on my mortgage payments for the three ( 3 ) years that I own my home. I do not wish to lose my home, especially when this is a problem not of my own creation. When I received guidance and payment from my mortgage company, not once but twice, I would never have assumed this was done in error. I called and inquired before and was assured it was an overage. I don't understand why I am being penalized for the internal error now. Please research this issue with my account and advise me on all of my options. I have also been interested in refinancing and am concerned this issue may upset my chances and ability to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I deposited my COVID-19 stimulus check worth {$1200.00} on XX/XX/2020, and the check was approved on XX/XX/2020. As of XX/XX/2020, the funds from the check were not available. 

I contacted Barclays to let them know that a Federal Treasury check meant they had to have funds available on the next day following a deposit. This statement is in accordance with the next-day availability requirement in Regulation CC and section 229.10 ( c ) of the Expedited Funds Availability Act. 

However, Barclays told me they would make me wait for five business days before they would make the funds available.

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 2023-09-13
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 20th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$690.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have been with Wells Fargo for more XXXX  years and I have not ever been allowed to get a credit card with poor or good credit scores.

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: TrueAccord Corp.
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have a right to better myself and my XXXX XXXX  also. I have been disputing this same company for years! They call themselfs XXXX XXXX XXXX. 

I have submitted Disputes with XXXX, XXXX, and XXXX credit reporting AGENCYS. They keep popping back up after a couple months. I don't know these people. In my disputes all I want is account numbers and dates! 

Now XXXX XXXX XXXX THREATENED ME IN MY EMAIL ACCOUNT! She told me to hit unsubscribe but that is not going to stop here from getting a full amount due back in 2015. I can't afford an attorney on my Social Security checks! She was ranting on about suing me in courts. I have snap shots of these threats.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX15 USC section 602 A. States I have a right to privacy. 15 USC section 1681 Section 604 A Section 2 : It also states a consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681sw-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-02-18
Company: MOHELA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I submitted a request to have my payments counts updated in response to the public service loan forgiveness program. I have submitted all the requested paperwork, however, the form, which is accurate, keeps getting rejected by MOHELA. When I address the issue and resubmit the form, the 90-day processing time starts over. It seems like an endless process on their end to update my payment counts for the PSLF program. I have gone through this process at least 3 times and each time I get pushed to the back of the queue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
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:
I have contacted the credit bureau several times in regards to this account. 
They all come back stating the account is verified and accurate even though i have asked several times how is the information being verified and with whom. I never get a response. 
XXXX XXXX XXXX It states its for a University I did not attend this university. 
I've attended two universities one XXXX and the other XXXX. 
I want this off my credit report and not to be taken off and then put back on cause thats what they are doing. 

three versions of this letter have been sent NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately.

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 2020-03-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I had a simple credit freeze with each of the three credit reporting agencies, Experian, XXXX   and XXXX. I want to refinance my home and lock in an exceptional low rate. Locking in an interest rate must happen day of, but they have to also pull your credit report from all three of the credit reporting agencies. 

I called XXXX, spoke with a representative, answered security questions and they lifted the freeze immediately. I called XXXX, and a few clicks of the phone keypad they also lifted the freeze immediately. I went online with Experian to also release the freeze. I input all the required information and my PIN and they required that I mail in my government identification, utility bill and my social security card. How is that secure? I called Experian and tried to speak with a live person, but no luck. I called many, many, many times trying to speak with a representative and it was all in vain. It is absolutely unacceptable that a credit reporting agency, that owns your data, and has such the power over, and affects every single adult person in the United States, does not allow its customers the opportunity to speak with a live human being. I have now lost out on the interest rate, and Experian has caused me financial harm.

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