BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-12
Company: Radius Global Solutions LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/XXXX I cancelled my XXXX XXXX XXXX XXXX membership for medical reasons. For unknown reasons XXXX XXXX   XXXX XXXX kept my name in the system and did not cancel the membership as per my request. I spoke with XXXX directly when I went in to cancel the membership. XXXX was the manager in charge on that day. XXXX is committing Fraud by keep my name and my membership active when I specifically went in and spoke to the manager XXXX to have it cancelled. I was in total disbelief when I received a collection letter from an account that was kept fraudulent by XXXX XXXX XXXX XXXX. If this is their practice they should be shut down. The collection agency XXXX XXXX XXXX need to provide a validity of this debt, which can not upload because I directly went in to cancel.

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 2018-03-23
Company: TRANSWORLD SYSTEMS INC
State: GA
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:
A derogatory remark from XXXX was added to my credit report in XX/XX/XXXX. The remark is being reported as a new collection account for something that is old. It is listed that the account was open in XX/XX/XXXX. 

I contacted the company and was advised that the account was closed in XX/XX/XXXX. I spoke with three people ( a rep named XXXX XXXX, a supervisor named XXXX XXXX and a rep in credit named XXXX XXXX ). Neither of these people offered assistance in trying to resolve my concern. This company wants me to pay a debt and wait seven years for it to fall off of my report ( at that time it will be a 12 year old debt ). 

The account appears to have been assigned or sold to another company and this company is reporting it as a new debt. They are not willing to correct my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my 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 2017-12-01
Company: Kehoe Financial Group, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Kehoe Financial Called my landlord about a debt I supposedly owed. Not really sure about what information was shared but enough was shared that my landlord knew they were a debt collector trying to collect a debt. In turn I was called by my landlord being yelled at for them calling them and not paying my bills. I have never heard of this company before last night XX//XX/2017. I have only received 1 call from this company to date and it was also made on XX/XX/2017 by XXXX XXXX. I have had the same phone number for years it has n't changed and if they were legitimate they would have known my phone number and address to send correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09
Company: Pinnacle Credit Services, LLC
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:
My credit report shows an account that does not belong to me, original creditor was XXXX, and the reporting agency is Pinnacle Credit Services. 
I have submited disputes to XXXX and they deleted the account after months of letters and calls. I even submited a letter from the collection agency which states they would not report on my credit report. 
Yet, the account is there again, and XXXX has removed my ability from disputing online. 
I am under the understanding that once an account is removed i should have been notified if it would be reinserted on my credit within 5 days, yet none of that happened. 
as a result of that account showing on my credit report, XXXX XXXX XXXX decided to close my credit card which was on perfect standing. affecting my credit even more

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: EQUIFAX, INC.
State: GA
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:
Equifax continues to allow false information on record. Reguarding address, scores, and repeat offenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
transunion has to delete these negative items fro my credit report ... also thay have not responded in the 30 day time frame.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09
Company: ERO LENDING,LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I followed up on a lead from ERO lending XXXX an originator ) to purchase my condo. Due to their lack of performance I lost {$3000.00} in fees and earnest money. In addition, I was told to complete a homeowner online class that spanned 6 hours, and urged to pay {$150.00}. for completion of a condo association form. They were very resistance to communication and lacked knowledge in answering questions about underwriter requests. I was frequently put off when I called and so was the agent. Much of the info turned in was apparently lost as it was requested multiple times delaying the readiness to the approaching closing date. The service was slow, tacky and sloppy and required 3 extensions, much of which was used up in underwriting due to their lack of ACCURACY, EXPERIENCE and KNOWLEDGE. See the attachment emails form ERO that was requested by the Lender 's underwriter. Item # 5 calls for multiple corrections on the part of ERO and their referred agent. I called the 5 % change to his attention via text early after the error was noticed, but he was resistant to change it. The Lenders underwriter requested all of these items to be corrected on XX/XX/XXXX, just 3 days before my supposed XX/XX/XXXX closing. Fact is, these errors should have all been caught before they submitted the documents. I have seen complaints online about this company dealing treacherously with prospective buyers by slow performance in working their loans. Perhaps the commissions were far less when buying a condo valued at only 70,000. Surely more time was spent on home applications of far greater value. So, this is not a new situation for ERO. I want this experience published to serve as a warning to buyers and sellers. I wonder how this guy sleeps at night. Does he even realize that XXXX is watching him? By making this publish knowledge, others will be spared the agony of his actions and the lost of their hopes and savings.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: EQUIFAX, INC.
State: PA
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 was an authorized user on 2 XXXX XXXX credit cards. I have been removed from the cards but my credit reports have not updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im requesting validation of this alleged debt pursuant 1692G

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 2019-04-10
Company: EQUIFAX, INC.
State: NY
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 just received the results of an investigation I had for my XXXX department store card.  XXXX I  feel did not do a proper investigation. This account was never paid late in 2017 yet it is showing as an adverse account on my credit report having this wrong information is affecting my credit score. I have been disputing this for months now I spoke with XXXX awhile ago and was assured it would be rectified with the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I noticed a collection on my credit report when I pulled my annual free reports. I have never heard of this company, and never received any documents from them regarding this debt. I started working with XXXX XXXX XXXX to get to the root of it. They informed me that they werent able to resolve it. I sent a dispute to XXXX because I never got this account validated, which is what XXXX XXXX was trying to do. I simply asked for a copy of the agreement authorizing them to collect the alleged debt, something with my signature promising to pay the creditor, and a complete payment history to prove that the debt they were trying to collect was legit. XXXX conclude their investigation with it being verified, I dont how they verified it, because I never received any of the things that was requested. 
The name of the collection company is Portfolio Recovery Associates : Address ID : XXXX Date opened : XX/XX/XXXX ( I didnt open any acts in XX/XX/XXXX ) Terms : 1 month First reported : XX/XX/XXXX ( It just appeared, never knew about it I pulled my report ) Recent Balance : {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: ZINC Financial, Inc.,
State: OH
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/19, an strongly worded email from ZINC financial just let me know that a highly expensive forced place insurance was tagged on my current loan. I was not notified of the issue writing, by mail, until this point, which the change was communicated via email. ZINC has not disclose how expensive in this forced place insurance, but the core problem that there has not being lapse of coverage. In fact, I provided ZINC with a copy of theXX/XX/XXXX for the insurance, but they are now adding more requirement to it. For example, they want me to provide that these policies have been paid in full, but that doesnt make any sense.

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 2018-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I saw that XXXX XXXX had sold all of my positions held in my IRA on XX/XX/XXXX. I never provided consent or received any notice that this would occur. I called and I was told that they were closing my account. I asked them to reverse their illegal activity and they refused.

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 2020-06-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They do not provide company information and sound fishy. Have contacted facebook friends and family..extended family and personal friends. This is against the law!! These calls need to stop. They mention my home address to everyone. This is scary!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-04
Company: Freedom Mortgage Company
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was in a trial period for XXXX XXXX, XXXX XXXX and XXXX XXXX. I made XXXX payment of XXXX, they accepted it. I then called my XXXX payment in on XXXX XXXX, XXXX via my savings account to keep it separate from my daily spending money. I worked everyday including holidays from XXXX XXXX XXXX XXXX XXXX, XXXX. On the XXXX of XXXX I was reconciling paperwork and checked my bank. I found that freedom Mortgage had not taken my payment. I called Freedom Mortgage and they were closed. I called my bank to see what happened. The explained that my savings was a non-transaction account. I tried to call Freedom again, they do not even have a phone prompt for you to leave a message. So I transferred all the money over to my checking. First thing Monday morning ( XXXX XXXX XXXX ) I called Freedom to ask fix the situation. The girl I spoke with saw that their notes showed it was a non-transaction account but they had sent my account to be denied. Well my attorney, called and spoke to a representative on XXXX XXXX, XXXX and they agreed to continue my trial period because Freedom Mortgage never tried to contact me after knowing that the payment was trying to be drafted from a non-transaction account. About a week later I received a letter from Freedom stating that they were terminating the trial. If they had followed through with their promise to accept the payment as the XX/XX/XXXX payment I would have made the XX/XX/XXXX payment and been in my loan modification already. Instead I had to pay and addition {$2000.00} to my attorney 's to reapply and then in the middle of COVID-19 they decided to deny the loan modification request. With the denial, they drafted the letter on XX/XX/XXXX. My attorney spoke with them on XX/XX/XXXX and they stated they were waiting on the title report. Their post mark on the envelope is XX/XX/XXXX. I would assume that by then they would have been able to inform my attorney about the denial. On XX/XX/XXXX the USPS post mark was done. On XX/XX/XXXX I received the denial letter stating that I had until XX/XX/XXXX to appeal. They left 6 days out of 14 to appeal. My attorney called on XX/XX/XXXX, this is when he found out about the denial. Freedom never reached out to the attorney, and did not have the information " in the system '' when my attorney called. They held the letter for 3 days before it left them. I feel they deliberately held this information back so I did not have time to respond.

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 2019-04-10
Company: U.S. BANCORP
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied for the XXXX XXXX XXXX XXXX offered through US Bank on XX/XX/2019 online after speaking with a cashier at a XXXX store who advised me that the store would no longer accept Visa, but XXXX offered a Mastercard that would be accepted and had great rewards. At the completion of the online application, I received an instant message that I was not immediately approved and further processing was necessary. The following day, XX/XX/2019, I received an email message that I had been approved for a credit line of {$5000.00} and the card would arrive in the mail in approximately 6 days. I received the card in the mail on XX/XX/XXXX. I followed the instructions on the front of the card to activate the card, and the representative texted me a verification code number, asked about the state where my social security number was issued, and other personally identifiable information. She stated she was not able to activate the card, as I needed to speak with their application fraud department to verify my identity with them, and they were only open XXXX. I called the activation phone number on the front of the card on Tuesday, XX/XX/XXXX at XXXX XXXX to speak with the application fraud department. The representative informed me the application fraud department was closed, as their hours were central time not mountain time. After being transferred to voicemail, I called the activation number back to speak with a supervisor in hopes of canceling all prior information with the bank. The supervisor advised me that he was not able to cancel the card because it was held in a fraud delay. I called back on XX/XX/XXXX at XXXX XXXX mountain time, and a representative once again texted me a verification code, asked personally identifiable questions, and then said she could not activate the card, but I needed to speak with the application fraud department. She transferred me and I confirmed application information and the card was activated. I then called the phone number on the back of the card and they canceled my card. I never used the card and do not want the card.

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 2020-06-27
Company: CITIBANK, N.A.
State: CA
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:
I have been a customer for over 25 years with multiple Citi credit cards and limits for those cards of up to over {$20000.00}. All cards were always paid full and on time automatically. All of a sudden all my Citi cards were canceled without warning and reason, throwing decades of payment arrangements into disarray. I have spent hours trying to get an explanation and have still not been given one. Unbelievable.

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 2019-04-10
Company: EQUIFAX, INC.
State: OK
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:
My complaint is the way all three credit reporting companies ( Equifax, XXXX and XXXX ) use selective data to determine an individual 's credit worthiness. My credit score was over 800 just 3 months ago and now it is XXXX with XXXX and XXXX with Equifax.The reason it fell so drasticly is because we bought some furniture and decided to take advantage of an offer for a credit card that had 0 % interest for six months. In addition, applying for this card lowered our total purchase price on all the furniture by over {$500.00}. The card company established a " credit limit '' on the card for exactly the amount of furniture we bought which meant that when the credit reporting companies got the information, the " furniture company '' credit card was " maxed out '' at 100 % of available credit. This in turn made our total credit usage on two cards at 50 %. What the credit reporting agenciies don't look at are the consumers bank accounts ( we have about {$750000.00} in three separate savings accounts ) mortgage free property ( we own two homes debt free that are worth {$500000.00} ) and money ( {$300000.00} ) in a money market account with a stock brokerage firm. I have NEVER been delinquent on a payment. I pay my credit card ( other than the furniture card ) balance in full monthly. The credit reporting companies say the " age of my credit '' is one year. I am XXXX years old and have had stellar credit my entire life with many accounts over the years that were paid in full and then closed. 
My credit score is very important to me and I just need to have someone explain to me how I am now only a " fair '' credit risk. It seems to me the credit companies should expand their information base about an individual in my circumstances to take all the above factors into account. 
Please let me know what my options are. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation