BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-04
Company: MIDFIRST BANK
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
REOPENING COMPLAINT : XXXX THIS IS NOT RESOLVED. 
The inspector came out and XXXX did issue a PORTION of the insurance money they were holding. However, the inspector called to say that she did not get pictures of one of the repair areas and would need to come back. Until her report is complete the balance of the funds will not be released by XXXX. The inspector was to come back on Monday, XX/XX/XXXX. Today is THURSDAY, XX/XX/XXXX. There has been no COMMUNICATION at all from the inspector. So, the issue is NOT RESOLVED because the same issue is repeating by the inspector failing to show up or call. This is NOT CLOSED. XXXX needs to respond and get on this ASAP. We have to pay the contractors! They came on Monday, expecting to be paid. 
XXXX STILL HAS NOT COMPLETED WHAT THEY NEED TO DO TO RESOLVE THIS ISSUE. JUST BECAUSE THEY ARE EXPLAINING THINGS DOES NOT NEGATE THE FACT THAT THEY STILL ARE HOLDING FUNDS DUE TO THEM DELAYING THE INSPECTION AND NOT HAVING THE COURTESY TO COME TO COMPLETE THE INSPECTION AS PROMISED. OUR TIME IS VALUABLE AND WE MAKE SPECIAL ARRANGEMENTS TO MEET THE INSPECTOR AT THE AGREED UPON TIME ONLY FOR THEM TO BE A NO SHOW. WE NEED THE BALANCE OF THE FUNDS SENT TO US ASAP SO WE CAN PAY THE CONTRACTORS.

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 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Information of former address is incorrect, also addional names on my report are incorrect.and names tha are not me and I have never use and I want the information corrected to identify 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 non-monetary relief
Consumer complaint received 2023-07-12
Company: TRUIST FINANCIAL CORPORATION
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have request that Truist does not contact me for any reason. They refuse to stop e-mailing me. I sybmitted a complaint on XX/XX/XXXX, I emailed XXXX XXXX ( CFPB employee ) and XXXX XXXX ( Trusist employee ) on XX/XX/XXXX and XX/XX/XXXX after I started receiving e-mails again from Truist. I started receiving e-mails again today. I simply don't understand what it is going to take to make this stop. I'm done playing games.

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 2020-02-19
Company: Thaxton Investment Corporation
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
2nd Request : I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: BARCLAYS BANK DELAWARE
State: NH
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was affected by the Tornado that struck my place of employment ( XXXX ), which resulted in financial hardship and caused late payments. XXXX XXXX XXXX Please remove these late payments from my account due to natural disaster.

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 2017-06-15
Company: WESTERN UNION COMPANY, THE
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Western Union took { $540.00} out of my bank account via debit card hack by a scammer/hacker under the name of "  XXXX   XXXX  '' ( that 's not suspicious!! ) even though this name in no way is similar to my own name. And then upon being notified that it was a fraudulent charge and was still pending on my bank account, they refused to cancel it or reverse it.     {$540.00} on  XXXX / XXXX / 17

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: First Credit Services Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a gym member ship with XXXX XXXX ( XXXX XXXX XXXX, XXXX, PA XXXX ), formerly XXXX XXXX XXXX formerly XXXX XXXX XXXX since XX/XX/XXXX. With the pandemic I put my membership on hold in XX/XX/XXXX and formally cancelled or so I thought, in XX/XX/XXXX via telephone to their front desk representatives. I did not receive one phone call and only found out of the debt collection with a email that I utilized years ago when I first set up the gym membership. As soon as I found this out I immediately contacted XXXX  to explain the situation, but they ( XXXX XXXX XXXX insisted that I provide phone records ( consumers do not keep such information ) to show who and when I cancelled with. Before contacting me they put me in collections and put a derogatory remark on my credit. No mail correspondence was received at my home address as well. To remove myself from collections I paid the agreed upon {$59.00} on XX/XX/XXXX that XXXX requested and I also asked for follow up confirmation that our engagement was completed but have yet to receive. Currently I still have a derogatory remark on my credit and have not received confirmation of engagement being completed with XXXX. I was a customer there for 6 years and paid monthly on time, and did cancel when I no longer needed the gym service earlier in the spring. Since XXXX  employee I worked with over the phone did not cancel properly, I was put into collections and had a debt collected unfairly. Anyone that had a membership with XXXX  and put it on hold/cancel during the pandemic should be advised of the bad actors at this company and negligence in their pursuit to collect unowed monies. 

Thank you. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Acc # XXXX has violate my civil rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B ; A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose

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 2019-04-16
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
XXXX XXXX XXXX is taking me to small claims court, declaring they are acting on behalf of Crown Asset Management to collect on a debt sold to them by XXXX XXXX in XX/XX/XXXX. This was XXXX account by XXXX XXXX. On XX/XX/XXXX, I was served with papers to appear in Small Claims Court for this debt. They falsely stated on the filing, THAT I WAS NOT DISABLED, which is not correct, as I have been on disability since XX/XX/XXXX. If they were truly representing Crown Asset Management, they would know this because I talked to them in XX/XX/XXXX when I cashed out my Pension and gave all my creditors something. You will see a reference to this account in prior CFPB Case XXXX, where I had paid XXXX XXXX {$750.00} on acct sold to Crown, but they did not want to credit my money. That was my entire pension. I only get XXXX   and I have a ten year old car with a check engine light on it. I am supposed to go to a hearing in court on XX/XX/XXXX in small claims court. I guess my only recourse is to try to file for an Exemption for my XXXX and Car. This is extremely frightening to me as I gave my creditors my entire pension in XX/XX/XXXX and have nothing left. Why do they have to harass me further?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
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: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
My name is XXXX XXXX XXXX XXXX, hold a XXXX XXXX visa number : XXXX. 

I delivered my baby in the US in XX/XX/2019, and I was covered by XXXX XXXX. 
There were a miscommunication between the hospital and XXXX caused the delivery to stay unpaid for a long time. 

The hospital and ( the doctor ), forwarded the bills to collection agencies, and the agencies reached me out, and it took so long till we fixed the issue with XXXX and get XXXX  balances, which as per the collection agency, will take time to be reflected to my credit report and this might cause some problems to 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 2019-11-27
Company: ALLY FINANCIAL INC.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/19 Requested Ally Bank the owner of my personal CD of {$120000.00} to be cashed and transferred to my bank account. As of XX/XX/19 XXXX my funds have not been transferred. I have called the bank at least once every day and talked to supervisors who just tell me to wait and give me no firm date or explanation of why my funds have not been transferred.

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 monetary relief
Consumer complaint received 2022-02-01
Company: ACIMA CREDIT, 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've paid this account in full with acima credit but it's showing up a late payment which is not accurate and the truth in lending act section 15 u.s.c 1666b says A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless creditor has adopted reasonable procedures to ensure that each periodic statement including information required in section 15 u.s.c 1637a 1-9 of the truth and lending act I never received any of that information. If there's any rebuttal please send me documentary evidence 15 u.s.c 44 to support your proof of claim

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Experian Information Solutions Inc.
State: AZ
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 sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action.

15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse  15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

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 2022-08-30
Company: EQUIFAX, INC.
State: AZ
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 sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$7500.00} XXXX XXXXXXXX Balance : {$3000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023

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 2021-07-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment  and XXXX  15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

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 2021-09-11
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big stress on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$880.00} XXXX XX/XX/2023

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 2022-01-10
Company: Mr. Cooper Group Inc.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is the second complaint that I filed on this issue. The first complaint was filed on XX/XX/2021 and the ID for this complaint was XXXX. After my first complaint was settled Mr. Cooper is insisting on charging me a fee of {$97.00} for " Lender paid expenses ''. I have called every month since the initial complaint was responded to for an explanation of this fee and none of their customer service representatives were able to explain it. I have asked for this fee to be removed multiple times and the customer representatives tell me that they will help resolve this but nothing is ever done. Every time I call for an update the process has to start over because this disreputable company keeps no records of this complaint. 

Since they refuse to explain or remove this fee I can only assume that this fee is in retaliation for the first complaint that I filed against them. I need help to get them to take this matter seriously and actually address the issue instead of ignoring the problem. 

Also from the first complaint I never received a clear breakdown of how the escrow amounts and late fees were refunded. Due to this companies unprofessional behavior I am concerned that I was intentionally shorted on my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: Experian Information Solutions Inc.
State: MI
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 sent in an investigation request to the credit bureaus on XX/XX/XXXX. They were supposed to respond within 30 days, but I have yet to receive a response.

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