BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-12
Company: Harpeth Financial Services, LLC
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Unexpected or other fees

Complaint:
XX/XX/XXXX, I processed a payment to be applied to reduce the principle amount to help payoff the XXXX XXXX loan. I submitted the payment incorrectly within the online website and called the company to help allocate the funds to the correct fields. I was told that they are not able to do that and all of the money paid will go to interest. I stated that that is unfair practice to take additional payments and place them to interest. When I am a good customer who is already paying the monthly fees and interest. All of the funds I pay extra should go to the principle. I committed to paying XXXX XXXX XXXX but as I was entering the funds I typed in {$150.00} dollars in error so I went in to pay the other {$50.00}. They called my and said they still would not apply the {$150.00} to the balance to help me pay the account down. I don't think this is far as I tried to call them within 10 minutes of making the payment and they still will not move the funds to reduce the balance. They did not tell me to hold off on paying the total amount of {$200.00}. They refused to fix the money and say they are keeping the money for interest leaving me with the same balance and on the XXXX they will take the same interest as if I pay nothing. XXXX XXXX, https : XXXX # x. XXXX XXXX XXXX, XXXX, TN XXXX XXXX. This is a unfair practice. This company wants me to continue to be in debt and it will take forever to pay them off if they keep continue to limit my option. I called them right away to help and they said their system was not able to fix the issue. It is not fair to have application where you can not correct the payment within the same day/hours.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: Ad Astra Recovery Services Inc
State: TX
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:
Sent Ad Astra a debt validation letter regarding the alleged debt. Agency responded by sending me a bill. A bill is NOT validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: Torriere Holdings INC
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
" XXXX '', XXXX XXXX XXXX has contacted myself along with my father and my step-mother 's father ( on XX/XX/2018 ) with a voicemail containing false and misleading information. I have audio recording of the voicemail, including the agent stating their company name as " XXXX '' instead of the full company name. Agent, XXXX XXXX, proceeded to state legal action was going to be taken against me if there is no response. When contacting the agent on XX/XX/2018, the agent never stated the Mini-Miranda warning. Agent threatened to terminate call without resolve when I brought this up. Agent transferred me to a manager. Manager did stated the Mini-Miranda. Manager transferred me to the payment processor, and I signed a document listing the series of payments. No where on this document states I can not cancel this series of post dated payments. I contacted the company XX/XX/2018. Agent on the phone did not state the Mini-Miranda. Agent stated that I signed a contract of these series of payments and at first stated they can not be cancelled. Agent then stated payments will be cancelled and this will be sent back to the client, did not state who the client is, to be sent to another agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
information was compromised during the massive 2017 XXXX  data breach, my ' private information, including names, Social Security numbers, dates of birth, credit card numbers and driver 's license numbers. I had Credit monitoring which seem to not help ive paid for Bureaus to alert me and Ive been lock out account made me economic deprived from loan if I need to seek financial help due to my credit I havent got to open and enjoy my credit because of the mess thats been going on for years of debt I hadnt accumulated Im a victim Ive took you guys to court which some due to my email being Compromised I lost a lot of documents I couldve helped me during my court process of me already being the victim of identity theft/data breach the increase that you guys have still havent approved my credit score is a XXXX theres a lot of suffering

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 2020-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
information was compromised during the massive 2017 XXXX data breach, my ' private information, including names, Social Security numbers, dates of birth, credit card numbers and driver 's license numbers. I had Credit monitoring which seem to not help ive paid for Bureaus to alert me and Ive been lock out account made me economic deprived from loan if I need to seek financial help due to my credit I havent got to open and enjoy my credit because of the mess thats been going on for years of debt I hadnt accumulated Im a victim Ive took you guys to court which some due to my email being Compromised I lost a lot of documents I couldve helped me during my court process of me already being the victim of identity theft/data breach the increase that you guys have still havent approved my credit score is a four theres a lot of suffering

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 2020-05-21
Company: Guild Mortgage Company LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Ive attempted to contact on numerous occasions Guild mortgage in regards to XXXX loan through XXXX XXXX renovation loan officer her manager and the third party company ( XXXX XXXX ) rep. XXXX XXXX whose to oversee the rehabilitation but to no avail the sale was closed without a walk through previous tenants still onsite refusing me access to property I purchased in XX/XX/2020, Sale agreement ( contract ) stated property was to be delivered tenant free thats the major and first problem. Secondly, XXXX loan has stipulation in regards to work for rehabilitation should be started within 30days of purchase and completed within 6 months. Til date work has not been commenced because tenants refuse to leave. Ive been trying to get help from Guild mortgage since XXXX but they are not providing me with any answer. I leave messages with callback information and no one calls back. In XXXX I started reaching out to third party company XXXX  XXXX for assistances Ive been told they will escalate to Guild Mortgage. Im still waiting. The frustration about this is Ive been paying mortgage on time since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX. 
Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also noticed that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me : XXXX # XXXX, US DEPT ED # 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 2023-06-10
Company: Experian Information Solutions Inc.
State: LA
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 Have Not supplied Proof Under the doctrine of Estoppel by silence, Engelhardt V. Gravens ( My 281 SW 715, 719, I Presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-10
Company: EQUIFAX, INC.
State: NC
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  agreed to accept {$350.00} as payment in full to resolve the account. The call was recorded and I have the recording. I mailed them the check and in exchange they were to resolve the account in full but they are still saying I owe them Money. They did not follow the terms in the attached letter but they did cash my check. My balance should be XXXX and they should honor their agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: ARS National Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Initially on XX/XX/20 I received a threatening phone call from a XXXX XXXX stating she was going to file legal action with XXXX XXXX XXXX unless I called them back at XXXX, and that my case number was XXXX She also called my XXXX year old grandmother and parents, threatening legal action and to come to her place of residence. Which when I called they said that it was regarding a personal loan that I hadnt paid with loan me totaling {$7300.00}. They stated they are a proceedings office called National they would not give me an address. They said I must pay in full or they would proceed with legal action and I would be responsible for all legal fees for a total of {$15000.00}. They forced me to set up payments which I couldnt possibly afford bi-weekly otherwise they said I would have to pay the {$15000.00}. After I did research and spoke to a legal representative they told me not to pay them anything until they gave me a written validation notice. I called them back on XX/XX/20 to ask for this document and they refused. Then on XX/XX/20 they once again called and said since I didnt pay they were going to proceed with legal action. That same day XXXX XXXX called my XXXX year old grandmother and screamed at her, threatening to come to her residence. She also left messages on my Parents phones with the same general message of proceeding with legal action and coming to their place of residence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: OneMain Finance Corporation
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:
I did not authorize any of those companies to Run my Credit. Below you will see the attachments of all inquiries that I will like of my Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
TD Bank has refused to close my checking account for almost three months. I opened the account online. I have never been to a TD Bank branch. I called their customer service number to close the account on or around XX/XX/XXXX. I was told the account would be closed. In early XX/XX/XXXX, I received a statement in the mail. The account is still open and has been charged two monthly service fees since XX/XX/XXXX. I called their customer service number again on XX/XX/XXXX. I was told they could not close the account and that I needed to contact my " local branch, '' despite the fact that I have never been to any TD Bank branch. I called the local branch at the number I was provided. The local branch refused to close the account. First, they told me to call the customer service number. Then, they told me to send a letter to a post office box in Maine. Neither the representative at the local branch nor at the customer service number could explain why my account was still open or why they were unable to close it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
My name is XXXX XXXX XXXX I am in the middle of buying a new condo and just had my credit pulled and I have some addresses that are not accurate on my credit file please delete remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX I have NO record of the paperwork that should have been provided to me upon request documentation ( a consumer contract with my signature on it ) 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. My intentions are to exercise my rights under the FCRA. please remove the following accounts : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law.

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 2020-05-21
Company: EQUIFAX, INC.
State: SC
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 requested a credit line increase with XXXX for my XXXX XXXX XXXX. The option I selected was for a instant credit line increase which specifically stated " this will not cause an inquiry on your credit report. '' No sooner than five minutes later did I get a notification of a hard inquiry on my Equifax report. I called to dispute this and they said they could do nothing about it and apologized. Unbelievable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2021 I had a wire transfer fraud on my account and I did not authorize this activity. I bank with Chase I immediately filed a claim on XX/XX/XXXX. The fraud department that handles wire transfer fraud told me they are sending out a packet to my residents. When I receive this packet I must fill out and return. 

My local branch manager was assisting me in this claim and ask for the department to these document via email. The department said this a a packet we need to send to the client which is me via mail. 

I waited over one week to receive this packet and I have received nothing. The day is Saturday XX/XX/XXXX XXXX after waiting on hold and being transferred to multiple departments I ask a customer service representative may I speak with a manager. I get sent to XXXX in escalations department. I tell him my situation he notifies me that a branch manager can upload the document and I can fill the affidavit at a local branch and he can fax it. 

I drive straight to my local branch and I let the branch manager know what XXXX told me. The branch manager  calls Escalations department and ends up talking to XXXX the same person I finish speaking with 10 minutes ago. The branch manager said the client is in the branch. XXXX walked the branch manger through the process he printed out the affidavit I fill out the document and the branch manger fax it straight to the Fraud department and deals with wire fraud. 

The day is XX/XX/2021 I speak with a representative from the fraud department and he lets me know the decision will take 2 to 3 business days. I call after the 3rd day I am on wait so long that an automated message tells me to call back. I call the branch manger that has been helping me and says it will take 6 to 7 calendar days but no decision. 

the day is XX/XX/2021 no update and all I get is the department is backed up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-10
Company: EQUIFAX, INC.
State: VT
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:
Personal lien just showed up on my credit report, about a month after it was completely paid off. The credit report does not show its status at all, implying it is still active, and it should appear in some sort of closed/fulfilled state. I tried to report the problem to Equifax, which provided the credit report to XXXX, where I saw it. Their webpage did n't load anything at all, just had " Please wait for page to load '' in the header. [ https : //www.ai.equifax.com/ ] I tried to call them at the number given at the bottom of the report I saw [ also contained with the Vermont Consumer Notification ], and there was no way to talk to someone about this there.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Windham Professionals, Inc.
State: AK
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XX/XX/2020 ; {$1300.00} ; I received a call from Windham Professionals to collect a debt. The debt collector did not make it clear and did not introduce where she was from or what exactly was needed from the phone call. I repeatedly informed the debt collector through that I was already working with an agency, XXXX XXXX XXXX, to consolidate my debt and pay off this debt. I told the debt collector that her approach felt harassing. At the very end, she offered to reduce the debt, though did not mention this at all previously during the conversation. The debt collector also called during my work hours on the phone I use for my work.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-10
Company: Freedom Mortgage Company
State: KY
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Freedom morgage bought my morgage XX/XX/XXXX and from second month they stared sending letter letters say I didn't pay my morgage payment Then six months later I started getting letters stating I was several months behind .i called and asked what months and then twice sent copies of front and back of canceled checks for those months and both times they said they didn't receive them after phone calls over several months of there personal just wanting to know when I was going to send payment XX/XX/XXXX I called and informed them I would be late on XX/XX/XXXX payment because of death in family and would pay extra each month to make it up.then I received five letters for five different single point of contact when I called was told they were no longer employed They started forclosure at end of XX/XX/XXXX I sent five copies documents for modification and they rejected all I've got canceled checks for several months they say never received Had a court date of XX/XX/XXXX and on XX/XX/XXXX received letter from there attorney canceling the motion and court date. On the XX/XX/XXXX I received lazier from master commissioner for sale date of my home motion was dated XX/XX/XXXX I was never informed of second court date or not e they started forclosure again. I have all bank statements and Morgage statements with other issues like missing funds from escrow I'm 100 % XXXX and a DAV and this home is all I have An you help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I filed complaints about the misuse of my personal information to local authorities. I also contacted the FTC and complained. I was issued an FTC Report # XXXX The following accounts must be removed from my credit report because it is fraud. 
XXXX XXXX ( 2 Accounts 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