BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-25
Company: CL Holdings LLC
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:
You cant add interest or fees, or charges not authorized in the original agreement. Extra fees must be in the contract, A XXXX XXXX can not have false or misleading representations. This alleged debt that's on my credit report needs to be taken appropriate action to correct inaccurate or incomplete information on a credit report per the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: EQUIFAX, 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:
Fraudulent Inquiries on my credit report. I have reached out to Equifax numerous times about the negative inquires on my credit report. I have asked that the following inquires be removed and they were not. XXXX XXXX, XXXX, XXXX, and XXXX XXXX are on my credit report.They sent me a letter saying the inquiries were verified. I am asking for validation and proof that it was me who applied for these. Equifax did not send any proof on how they were verified. I am sure they did not reach out to the companies regarding this matter. I am asking that the following companies be removed from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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 am very concerned about the validity and accuracy of the recent investigation done by XXXX and Transunion..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please this is very exhausting, nobody wants to grant me a loan because of this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am XXXX XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. I sent certified letters to XXXX, XXXX and Trans Union specifically requesting my credit file. The dates on these letters were XX/XX/2021 and I mailed them certified XX/XX/2021 at XXXX XXXX at XXXX XXXX. All 3 agencies sent me my credit report instead of my credit file and deceptively told me that my credit report and credit file are the same ( they are not the same ). I spent {$8.00} for each certified letter only for these agencies to send me what I didn't request and not include the return receipt! I want my credit file! Not my credit report. And I want my money back.

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 2019-01-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I have contacted this company and provided a police report showing that my identity has been stolen and has asked repeatedly for 11 fraudulent inquiries and a fraudulent account to be removed as well and they have not removed the items as requested .I have submitted an online dispute as well as a hand written request and they refuse to remove the items.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: BARCLAYS BANK DELAWARE
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: Information belongs to someone else

Complaint:
On XX/XX/XXXX, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX XXXX add a hard inquiries on my credit reports per XXXX, XXXX  and XXXX. 
On XX/XX/XXXX, BARCLAYS BANK DELAWARE add a hard inquiry on my credit report per 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 2020-08-24
Company: 21ST MORTGAGE CORP.
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: Account information incorrect

Complaint:
21st Mortgage was my mortgage holder on my mobile home loan. The mobile home was a voluntary repossession as of XX/XX/XXXX. 21st Mortgage sold the unit in XX/XX/XXXX with no deficiency attributable to me. 21st Mortgage had spent money to rehabilitate the mobile home prior to sale and therefore those amounts are not my responsibility. The mobile home was sold for more then the amount owed to 21st Mortgage at the time of repossession. Any deficiency should be a charge off or loss to 21st Mortgage who had the option to sell the unit as is and then would have been entitled to any deficiency after sale. 
21st Mortgage is still reporting this as closed, but it is still sending in monthly payment information prolonging the time this will remain on my credit as a negative trade line. I filed a dispute via XXXX to have this trade line monthly reporting be corrected and it appears 21st Mortgage simply just amended the outstanding balance due and did not stop its reporting of monthly payment or lack thereof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was acquired by Freedom Mortgage on XX/XX/2021. I was not advised of this transfer. With the original lender, approximately {$470.00} of each payment was credited toward my Principal each month. Freedom Mortgage, however, is only crediting {$3.00} per month toward my Principal thereby unreasonably and illegally extending my mortgage indefinitely. Also, it appears they are not applying my payments toward my escrow for taxes and insurance. I've tried communicating with them about my payments, however they have not responded.

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 2018-06-28
Company: CITIBANK, N.A.
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I received a call from an unknown company claiming to represent Citibank in order to collect a student loan debt from XX/XX/XXXX to XX/XX/XXXX. They stated the wrong school so I thought this was odd. I was told I can settle the debt with them and then stay out of court with Citibank or not pay and have to go to court and then pay double. For monthly payment they wanted XXXX a month down and XXXX every month with a higher debt amount. This whole thing is odd because Citibank was not on my credit reports. I dont trust this at all and think its a way to get money out of me.

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 2018-12-06
Company: Dynamic Recovery Solutions, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Dynamic Recovery Solutions is contacting me about a XXXX Account they bought from a different collection agency called XXXX XXXX about a debt they said I owed from 2010 to XXXX XXXX. I requested them to cease communication and they threatened to sue me when I do not know of this account and also the beyond the statue of limitations.

Dynamic Recovery stated that they can still contact me as they said this is their first contact, I however and not aware of any XXXX Account from 2010, or any other year. I requested them to stop contacting me and was told they do not have to.

This is a formal complaint against both XXXX XXXX XXXX and Dynamic Recovery solutions. they have clearly violated the FDCPA. the number they called me on is a number they could have only gotten from my credit file and is a very new number. as they stated this account is from 2010, and can not validate this debt with XXXX, I am requesting a thorough investigation into both of these companies.

I have never received any written communication about this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-15
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/2020 I submitted a complaint to cfpb in regards to Experian reporting an inaccurate bankruptcy on my credit report. In Experian 's response that they mailed to me on XX/XX/2020 they stated that they verified the bankruptcy information with XXXX XXXX. However on XX/XX/2020 I received documentation from XXXX XXXX that they have deleted the inaccurately reported bankruptcy from their credit files. So how is it possible that Experian verified this information with XXXX XXXX if XXXX XXXX deleted this inaccurate information from thier files.

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: Westlake Services, LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Our country is still suffering from a NATIONAL pandemic with the Coronavirus. We live in XXXX and are a family of XXXX, our XXXX growing kids,XXXX and XXXX. My husband lost his job during the pandemic. He was owed back unemployment wages that he is still trying to collect. He recently just lost the supplemental assistance PUA as well. I am a XXXX XXXX XXXX who is now the sole contributor to all our expenses and livelihood.When the virus struck, many companies proactively reached out to consumers to let them know that they would be forgiven for late payments or given extra time to pay without consequences. Not Westlake Financial. This company continued to call and harass us during  this very distressing time. We made arrangements to pay when we could, but we were treated so poorly and shamed about even having to ask!! There were times when we were called and bothered no less than 5 times a day. While people were dying daily by the hundreds in XXXX. This type of behavior is despicable. Our mayor and governor have halted rent and mortgage payments so people have a chance to recover. Not Westlake, who once again after the time that they first granted us an extension, immediately started calling with the harassing calls daily. Also, my husband was berated by the " customer service '' reps that he always had to request to speak with someone else.Last week, our refrigerator broke after a storm in our area took out our power. My husband drove to XXXX XXXX to try to buy a part so we would not have to purchase a new one. While he was in the store, our car was REPOSSESSED by Westlake. Without notice! We were 2 payments behind. For this company, that is not much, but for us it is huge. To think at this time that they would repossess a car after only 2 months is shameful. Not only did this happen, but the way my husband was spoken to on the phone was embarrassing. As if we were XXXX trying to evade payment. We borrowed the money to get our car back because we do need our car as there were NO other options presented by the company. We asked for a payment plan, more smaller payments, etc. We have always stayed in contact with them during this time to let them know of our situation, but it has always fallen on deaf ears. We were given an extension but we were made very sure that our contract would be going longer.I can not understand how a company that serves the public can operate with so little compassion.

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 2020-11-25
Company: TD BANK US HOLDING COMPANY
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: Information belongs to someone else

Complaint:
On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, TD AUTO FINANCE add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: Westlake Services, LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
To whom it may concern : This is a follow-up to complaint previously filed through the CFPB on XX/XX/XXXX. 

The original complaint was in regards to an incorrect pay-off amount, and the resulting delay in the release of my vehicle title. In the original CFPB complaint response, the parent company of " XXXX XXXX XXXX '', " Westlake Financial Services '' replied. They replied on XX/XX/XXXX admitting fault. Furthermore, the response stated that my account would be waived of fees and that my account would be paid in full. Finally, it was stated my title would be sent to me by mail. 

Unfortunately, none of this has occurred. As of today, I have not received the promised title. Rather, I have continued to receive harassing collection phone calls from XXXX XXXX XXXX, despite my requests for agents to not contact me by phone and to add me to a Do-Not-Call registry. This is a blatant TCPA violation, which by law is a fine-able offense. This means that my account has not been closed, as they have stated in the original response, and that I have been lied to by the company. I have sent in the CFPB response to the company by fax and email on numerous occasions but this is still not resolved. 

I am now afraid that even though I have rightfully paid off my account that they may wrongfully repossess my vehicle. I am unable to trade-in my vehicle without the title. I am in constant stress while this continues to be unnecessarily dragged out over a mistake that was easily rectified by the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sold my home at XXXX XXXX XXXX XXXX, XXXX, Virginia XXXX on XXXX XXXX 2020. The funds from the sale of the home were used to pay off my mortgage with Cardinal Financial XXXX XX/XX/2020. After closing, I have an escrow refund due to me in the amount of {$590.00}. I have spoken to customer service agents on 5 different occasions. They all say that their records show that a refund check is due to me and that it has been sent but they can not give a routing # or any specific information about when it was sent. I have received other mailed information from Cardinal Financial but no refund check.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX c/o XXXX XXXX XXXX # XXXX XXXX, California [ XXXX ] State of California Secretary of State Secretary of State Dr. XXXX XXXX XXXX XXXX XXXX XXXX California XXXX Dear Secretary of State XXXX XXXX XXXX , I, a living woman, am serving you Notice of my standing as a California State National , as I know it is your duty to defend my constitutional guarantees. 

I am exempt from all Municipal duty and service by my exemption found at Title 50, Section 7 ( c ) and ( e ) of the 2012 Edition of the Federal Code. ( Enclosed ) I am not an individual corporation created under Municipal law. 

I am exempt from all Territorial obligations, as I am a Foreign Sovereign as stated on the Mandatory Foreign Sovereign Immunity Notice ( Enclosed ). I claim my exemption under the Supremacy Clause of Article VI of The Constitution of the United States of America and Amendment XI thereof, which provides that no American is subject to foreign law. I am not an individual created under 1USC 8 as a Territorial citizen. 

I have one contract and one contract only with the government officials. If they are MUNICIPAL Employees, the contract is The Constitution of the United States. If they are Territorial Employees, the contract is The Constitution of the United States of America. Article VI is the Supremacy Clause, no other law, statute, code, or regulation stands above the Constitution owed to me as an American and any contrary law is null and void. Amendment 10, the power remains with the States and the people. 
Amendment 11, Americans are not subject to any foreign law. Ever! This includes the statutes of the States of States and the codes of the Federal Subcontractors. 

Therefore, I owe no duty to any Municipal or Territorial court, instead any Municipal or Territorial court has a duty to set me free from any presumption of obligation under any foreign law, and to return to me my assets and my freedom without debt or encumbrance. '' By : XXXX XXXX XXXX @ All Rights Reserved Without Prejudice

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: Experian Information Solutions Inc.
State: NY
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:
Wednesday XX/XX/XXXX I contact XXXX XXXX in regards to the excess of credit inquires on my credit report. I spoke to a rep By the name of XXXX XXXX. I explain to him clearly that the information on credit report was due to the recent security breach that XXXX XXXX tries to fix but failed miserably. XXXX XXXX has put this unverifiable inaccurate frivolous information on my credit report and refuse to remove. The unauthorized information has brought my score down 9 points. Here is a list of inaccurate inquires that are reporting.

XXXX XXXX on XX/XX/XXXX XXXX XXXX REPEATED XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and 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 non-monetary relief
Consumer complaint received 2018-06-28
Company: ABR Recovery Services LLC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ABR Recovery Services LLC continues to NOT address the second account they are reporting with XXXX. Attached is a copy of my credit report with the 2nd account information that is incorrect that ABR refuses to address. ABR has never even written me on this account. As you can see on the attached report it shows the account was opened on XX/XX/XXXX which is NOT correct. They are showing a Date of 1st delinquency of XX/XX/XXXX which is NOT correct as well. ABR recovery services keeps responding with the first account dates and have not addressed the fact they are reporting two delinquency accounts to XXXX, not just the first one. This second account was opened falsely and illegally as debt that I owe from XX/XX/XXXX. I have not owned an XXXX account in XX/XX/XXXX. Please remove this second account and stop reporting it to XXXX with incorrect and false information. My next step is to get a consumer debt lawyer and sue ABR Recovery Services LLC over false reporting, Re-aging past accounts and punitive damages. I will also contact the Attorney General in California over this account that is not being responded to. I will complain every single day until ABR Recovery services actually reads my documents and acknowledges the mistakes made in their reporting. If ABR recovery has been given false information from previous collection agencies, they should be fixed properly with the proof I have from HSBC. I'm asking ABR Recovery Services LLC to seize reporting re-aged accounts on my credit profile. 
I AM ASKING YOU TO READ MY CREDIT DOCUMENT SHOWING A 2nd ACCOUNT WITH A FALSE ACCOUNT NUMBER AND FALSE DATES, REPORTING THE SAME {$1200.00} as the FIRST ACCOUNT.

Company response to consumer: Closed with explanation