BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-25
Company: Meridian ARG Inc.
State: TX
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:
1st call XX/XX/XXXX @ XXXX XXXX : Message left on cell phone X, this is XXXX XXXX contacting you from the process division. I received an order for you. It looks like two pending charges are subject to be filed. Now unfortunately because I am unable to reach you by phone I will be actively pursuing you at either your residential or place of employment. You have the right to contact the client to resolve your case voluntarily. Understand when located you forfeit that right. Your case number is XXXX and you can reach the office at XXXX. You have been notified. 

2nd call XX/XX/XXXX @ XXXX XXXX : Message left on cell phone X, this is XXXX XXXX contacting you from the process division. I received an order for you. It looks like two pending charges are subject to be filed. Now unfortunately because I am unable to reach you by phone I will be actively pursuing you at either your residential or place of employment. You have the right to contact the client to resolve your case voluntarily. Understand when located you forfeit that right. Your case number is XXXX and you can reach the office at XXXX. You have been notified. 

3rd call : Voicemail left with a random person - I was notified by email about it. 
Email to me sent at XXXX I received an automated phone message for you just now from some court saying this is their last message for case # XXXX. Here is their number XXXX. 

4th call XX/XX/XXXX @ XXXX XXXX : Message left on cell phone X, this is XXXX XXXX calling from the process division. I need to verify a current address as well as a business address. You are forfeiting your right to take care of this matter outside of court. We will contact your human resources department to follow proper protocol and procedure to serve you on the property. Again the client is willing to rectify this matter if they hear from you today. Their number is XXXX and reference your case number XXXX. This is my final attempt. You've been officially notified.

Company response to consumer: Untimely response
Consumer complaint received 2018-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Even after I entered into a forbearance program in XX/XX/XXXX after being a victim of natural disaster ( Harvey ) in XXXX, Texas, they are are reporting a late payment for me in XX/XX/XXXX ... they had specified no late payments were going to be reported. This had ruined my credit and I need this late payment to be removed and status to be current. On top of all this they stopped reporting my payments after they reported that late pay. So as of now XX/XX/XXXX, my payment history is inaccurate and they are not willing to correct it. I have called them numerous times, and they just say they will get with me but never do. Not only did they report a late pay that they were not supposed to but also have stopped reporting my payments after that.

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 2019-01-02
Company: WELLS FARGO & COMPANY
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:
On XX/XX/2018, I sent a letter to dispute the late payments shown on my credit report. On XX/XX/2018, I received a letter stating that the account has been verified as accurate BUT did not send any verification documents proving the late payments were accurate. They also DID NOT mark the account as disputed within 30 days as required by law. They have not followed the FCRA and the negative remarks need to be deleted.

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 2019-01-02
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted this business for a debt that I believe doesnt belong to me. They were very rude and hardly gave any information. I asked for PROOF OF VALIDATION, they sent me two forms that look like they wrote in my name. These forms are fraudulent because Ive never signed nor lived at this address. The signatures on the form are nothing like mine, also I asked for the original documentation. They sent in a letter showing fees that were assessed. I never lived here and if someone has used my name I want to take the correct legal action. I would like this company to send me the original lease and any other proof that this is my debt, not just a paper they scammed together. If I dont receive original documentation I will be suing this company. Its been far to long that theyve been scamming me. Also every week theyre going up on the debt. This is also fraud and Ill be filing another complaint with the XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
They removed all the items associated with the bankruptcy except for the bankruptcy.

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 2020-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, I have reached out to you guys about some items on my credit that is not mine. There are still a whole lot of inquiries on my report that I don't know anything about and they still showing up and I have not touched my credit. Please remove these inquiries so I can move on with my life and help my family. I have contacted the FTC and the local police. XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX  | XX/XX/XXXX, XXXX  | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/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 2019-01-02
Company: CL Holdings LLC
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:
I have requested debt validation several times with no response from XXXX XXXX XXXX regarding an account that they bought from XXXX XXXX acct # XXXX. I do not have any knowledge of this account and I would like them to provide a written contract with my signature that proves that this debt is legal and binding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
In XX/XX/XXXX loan modification process began with Wells Fargo Home Mortgage Inc. Consistent delays by Wells Fargo increased my initial home mortgage of {$100000.00} to a modified loan of {$140000.00}. Every month the loan modification was delayed inflated the mortgage amount. 

TIMELINE : XX/XX/XXXX - foreclosure notice was received and I retained XXXX, XXXX and XXXX, ( XXXX ) as my attorney to assist with the loan modification process. NOTE : XXXX has all documentation. 

XX/XX/XXXX - first Mediation meeting - Wells Fargo did not attend. I attended with my attorney. 

XX/XX/XXXX - second Mediation at which time Wells Fargo had no information as to the modification and advised and a new form was required that they had not sent me. 

XX/XX/XXXX - Wells Fargo did not advise my attorney that a loan modification was approved. 1 ) HARP approved a permanent home loan modification, however, Wells Fargo did not present this information to my attorney who only learned about it in XX/XX/XXXX ; 2 ) Wells Fargo changed attorneys was the reason given why we were not made aware of the HARP approval ; 3 ) since we were not aware of the HARP approval, the HARP/TPP was not made and therefore the loan modification process had to start over. 

XX/XX/XXXX - I agreed not to block the foreclosure with the understanding that Wells Fargo will continue to work through the loan modification process. 

XX/XX/XXXX - my attorney was advised that the loan modification had been approved and the foreclosure was stopped. 

XX/XX/XXXX through XX/XX/XXXX - repeated calls to Wells Fargo requesting information as to the permanent loan modifications and documents.

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 2022-08-05
Company: HUNTINGTON NATIONAL BANK, THE
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I tried to make a transfer and accidentally used huntington bank. The bank never lost funds and the money was never transferred successfully. I did eventually get the money from the right account that had nothing to do with huntington. There was not enough funds to cover the transfer yet Huntington still double charged me in fees XXXX for total of XXXX. After seeing this I tried to reverse the funds but they would not. I then communicated with them that the account is now closed and I would not be doing business with them. A couple weeks later I get a problem with someone sending money to that account on accident. The account was not closed and so they accepted the money and deducted it from what I " owed '' them. I told them this should not have happened and that they need to reverse the funds because the account was closed weeks before. They are now acting like they cant do anything and just wasting my time and stealing money that is not theirs.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-17
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I started the refinance process with LoanDepot on XXXX with an promised close in 45-50 days, max 60. Once documents were submitted everything went silent and I have not been able to reach a single person via e-mail, phone, or through the portal since. In the beginning the questions were not urgent, so I let it go that no one would respond. Then a couple weeks ago I received a letter that my home insurance has been moved over to LoanDepot, but we have not closed. This is now a concern and I have been trying for weeks to contact someone, with zero response. Today I received a new, generic e-mail stating they are working on my loan and someone would contact me in 7 days. The final date to close date is in 5 days, XXXX ( 60 days ). I tried to respond to this e-mail e-mail, then again by phone, and again with the portal in a panic and nothing. Today they changed the date to XXXX with absolutely no information or notification. What can I do? Even if I wanted to walk away and stop the process, how can I when absolutely no one will response or answer their phone? I've e-mailed four seperate people, multiple e-mails, left voice messages with three people, and have sent three to four messages on the portal. I feel completely trapped with no recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22
Company: Law Offices Howard Lee Schiff, P.C.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Law offices of Howard Lee Schiff sent me a letter stating I owed XXXX 's Card money. I sent a validation letter stating I needed the signed contract that showed I agreed to pay. Also that I needed their license number to show the can legally collect in my state. Also that I would need 30 days upon receiving the information to investigate and that they have to stop all collection activity during the investigation period. They sent me back bills from the credit card company. They did not show any documentation with my signature showing I agreed to pay what they said I owe. Also did not send any license number whether it be their attorney license number or debt collections number. the letterhead says the offices of Howard Lee Schiff and also ends with that with no signature. I found that XXXX XXXX hasn't had anything to do with the company since 2007 and is not a member of the bar anymore. The company also isn't registered as a debt collector with my state. I have received papers for a lawsuit. Still on those papers no attorney is named just the law office. Since I'm not being sued by an attorney or member of the bar but instead from a company operating as a debt collection agency that company needs to be registered to collect in my state. Under the Fair Debt Collections Practices Act this company is acting in deceiving ways which is against the law. This company and the one they represent still are reporting negative information to the 3 major credit bureau 's though failed to validate the debt again a violation of the Fair Debt Collections Practices Act as well as Fair Credit Reporting Act. It is also defamation of character. I know of many others who have filed complaints as well. This company is a fraud and needs to be shut down!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 have recently found out about inquiries that i was not aware of. After reporting mine being a victim of identity theft twice to consumer agencies transunion has not removed items on my report. Only XXXX. XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX- XX/XX/XXXX ; XXXX XXXX XXXX, XXXX ; XX/XX/XXXX. XXXX XXXXXXXXXX/XX/XXXX. XXXX-XX/XX/XXXX. XXXX XXXX XXXXXX/XX/XXXX. XXXX-XX/XX/XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXXXX/XX/XXXX. XXXX XXXX XXXXXXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXXXX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX-XX/XX/XXXX ; XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX-XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX-XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX-XX/XX/XXXX. XXXX XXXX XXXX-XX/XX/XXXX ; XX/XX/XXXX. XXXX XXXXXX/XX/XXXX ; XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX-XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX XX/XX/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 2019-05-23
Company: Experian Information Solutions Inc.
State: MN
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:
After 2 attempts to have my report fixed they left the account as is. XXXX fraudulently opened a second account in my name reporting a balance during bankruptcy proceedings. There has been no communication to validate the debt and the reporting agency just left it as valid even though you can clearly see that the bankruptcy was active making any debt collection illegal they continue to validate the debt owed and the reporting of late payments on an account I have no knowledge of. They also state they " investigated '' however, there is no documentation so they are just automatically siding with a creditor without certified mail proof, signatures, or communication with my attorney that this was a valid 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 2020-10-11
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2020-11-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX  -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX  -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX  XXXX  Inquiry Date : XX/XX/XXXXXXXX  -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX XXXX Date : XX/XX/XXXXXXXX  -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX XXXX  Inquiry Date : XXXX XXXX, XXXX  -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 7. Company Name : XXXX XXXX  XXXX  Inquiry Date : XXXX XXXX, XXXX  -Unauthorized inquiry by Identity Theft 8. Company Name : XXXX XXXX  Inquiry Date : XX/XX/XXXXXXXX  -Unauthorized inquiry by Identity Theft 9. Company Name : XXXX  XXXX/XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX  -Unauthorized inquiry by Identity Theft 10. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 11. Company Name : XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft

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 2020-08-23
Company: Chime Financial Inc
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened the online banking account with Chime, out of nowhere they closed my account. I have sent every documet they ask for in order to get my refund back. They keep saying I violated their agreements and hold the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: Credit Karma, LLC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
Credit Karma makes money by partnering with other companies and advertising those other companys services. 

Unfortunately, some of those advertisements are misleading and predatory and hurt Credit Karma customers. Credit Karma has built trust with its customers by offering advice on how to repair poor credit scores, as well as education on the credit and financial systems, it has designed its website for SEO, such that creditkarma.com is frequently the first result when searching the internet for financial questions. Because of this, Credit Karma customers can be misled by advertising. In the same space that Credit Karma advises its customers for credit repair, it pushes predatory loans with excessive fees and interest rates that are not in the best interest of the customer. 

I do not own any product with an interest rate of more than 13 %, and my personal debts are less than {$10000.00} and yet Credit Karma is advertising to me a personal loan with an APR of 20.74 % for a 36 month term, {$3500.00} estimated fees. No matter my personal finances, pushing a personal loan for debt consolidation at an apr of 20 % + is abusive behavior. But whats worse is Credit Karma is pushing this advertisement directly under credit scores and with the language a personal loan could help you pay off your debts faster in a full-screen width element, suggesting to the user that this is Credit Karmas number 1 advice. 

Credit Karma is using its position as a trusted advisor/educator and credit reporter to mislead customers into applying for products that are not only unnecessary, but dangerous.

Company response to consumer: Closed with explanation