BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
My name is still not correct! With all 3 credit bureaus! Yes XXXX  and XXXX  added my name in full but did not add XXXX. As a suffix. My first name is XXXX XXXX is XXXX XXXX or sir name is XXXX my suffix is XXXX or XXXX. Therefore my name should read. XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX. Also during this major identity theft. You blocked some information wrongly. XXXX  bank line of credit is only showing up on trans union not on XXXX  or XXXX. XXXX XXXX credit card is only showing up on XXXX. Not on XXXX  or Trans Union. Also your companies blocked my auto loan from XXXX XXXX XXXX. Trans Union was reporting this but it went off during the identity theft investigation. This auto loan was not an issue this was correct. The credit card with the same company XXXX XXXX XXXX was. XXXX  take off XXXX  card inquiries for the last time still on here.

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 2022-12-17
Company: CL Holdings LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: The Outsource Group, Inc
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Complaint number : XXXX, submitted letter on XX/XX/2017 regarding XXXX for the amount of {$1000.00}. The alleged bill is past the Statue of Limitations Civil Code : 337

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 2018-07-11
Company: Servis One, Inc., Titusville, PA Branch
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
have been trying to get a loan modification for over two years, each time I was denied XXXX used the wrong income. I have equity in my property, yet I was encouraged to give a deed in lieu and hand over my equity to the bank. The foreclosure process by XXXX XXXX was horrendous and the trustee XXXX, XXXX XXXX XXXX XXXX made no doubt that they were not interested in assisting me what soever, and were very hard to reach I felt a like ping pong ball going back and forth between the lender and the trustee. XXXX has not been willing to help people of XXXX and it appears that this practice is systematic and prevalent in the City of County which shows in the XXXX complaints by unhappy customers. 
I received a compliance declaration from XXXX with California Civil Code which does not exist. 
I am unable to tell how the trustee came to be when I am in a securitized trust that I don't know how I got in and I can not find evidence of my loan in this trust,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08
Company: Paypal Holdings, Inc
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I paid through friends and family on pay pal to a XXXX XXXX on XXXX but XXXX XXXX on pay pal for concert tickets to a sold out breaking XXXX XXXX in XXXX Arkansas on XX/XX/XXXX that she never delivered digitaly like she said she would. I sent {$55.00} dollars plus Paypal collected. XXXX $ in fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: CITIBANK, N.A.
State: CO
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:
XXXX  and XXXX are incorrectly reporting me as an Authorized User on Citi card  ending in account # XXXX I called Citi and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however XXXX  and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. The negative reporting is harming my credit score.

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 2020-09-02
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:
There are some accounts in my credit that are not mine. I filed an identity theft claim attached.

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 2020-08-30
Company: Quality Asset Recovery LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I asked for a contract proving that these accounts held me contractually liable to pay them. They failed to send any information requested. they only sent a letter stating the amount owed. This in in violation of my consumer rights and the FDCPA/ Federal Rules of Civil procedure. I have contacted this company on numerous occasions requesting that they delete these false accounts. 

I know that the FCRA requires them to have proof the account is mines in order to report it to the bureau. They are reporting this false information.

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 2018-11-29
Company: Dyck-O'Neal, Inc.
State: WA
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:
Had a debt that was 2 years three months old. It was sold to a loan agency. The debt was transfred from credit debt and reported as a loan debt by dyck oneal inc. They reported I did not pay a personal loan for the past 3 months and have impacted my payment history for personal loans. This was not For a personal loan..and was mever a loan of any type. They never contacted me about this change. I called the company on XX/XX/2018 they were not able to give me a answer as how they can do this. Only that they bought the previous company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have written to this collection agency numerous times disputing the validity of the debt and requesting proof of validity of the debt. They have never responded with any type of proof. The statute of limitations are passed. The company continues collections practices even though they received the dispute in writing several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: SECURITY FINANCE CORP
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
So we have had the payday loan with security finance in XXXX XXXX to for more than 6 months now and we are now working with a company called XXXX XXXX that helps with the debt. So the amount on the loan for security finance is roughly for {$1200.00} and I just don't appreciate that they are calling my job and also bothering my family members. I would like it to stop.

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 2018-03-05
Company: Machol & Johannes, LLC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
They sent me a letter stating they have a judgment against me in a letter and it says to call them to set up payment plan. I was never served nor have I gotten any paperwork from a court. They are using this letter as a threat and that's how we took it. We got the letter on XX/XX/2018 amount XXXX and they said the cost for post judgment cost as well. File XXXX. Says in letter through XXXX court.

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 2020-01-21
Company: EQUIFAX, INC.
State: NJ
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:
I requested to deleted the wrong address from XX/XX/2019 to today, but it still exists. 
The other two credits contributed to the resolution I've lived in the NJ colony  for 40 years. 
Wrong address : XXXX  XXXX, XXXX, VA XXXX Dispute NO : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
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: Their investigation did not fix an error on your report

Complaint:
I sent a dispute to Equifax on XX/XX/XXXX regarding XXXX XXXX XXXX reporting 2 items on my credit report. 1 report from XXXX was removed and the other is still listed for {$62.00}. I submitted information to Equifax as proof that the XXXX circuit US District Court ordered XXXX XXXX ( which is also a Lawfirm XXXX XXXX XXXX XXXX XXXX ) to remove items from consumers reports based on various class action lawsuits filed for violations of the FTC & FDCPA. Sect 791. F.3d 1291 ( XXXX vs XXXX XXXX XXXX ) since XXXX and additional Case # 's XXXX, case # XXXX, case XXXX. The US District Court ruled positive that XXXX committed these violations and have since fined them and ordered them to remove items from consumers credit reports. 

As of today, XX/XX/XXXX, the most recent communication I received from Equifax was that they were sending a letter to XXXX to validate the {$62.00} debt and would notify me within 30 days of their response. Equifax should not be doing that!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Today I was contacted by appointment with XXXX XXXX in an attempt to transfer 401k investment accounts as a result of my recent departure with my employer. I called XXXX XXXX ( also XXXX ) to  move my investment account to a different selected portfolio within their infrastructure. I met with a financial advisor who spent in totality more than 2 hours walking me through my options over the course of the last two days. I elected an IRA account with no withdrawals and was taken through the account launch process which lasted approximately 30+ minutes.

On the telephone, I specifically asked the representative if my credit report was going to incur a hit and I was advised " no, that this was not required ''. However, upon submitting my personal and financial information, I received an automated denial notice with indication as to why. I asked to speak with a manager and was finally advised that I was listed on a " do not open warning list '' with no further explanation. I then called BOA who transferred me to the " closing department '' ( XXXX ) and was advised that BOA closed a checking account in my name for " reasons unknown '' in 2013. They then advised that they reserved the right to do so despite the fact that my credit was in good standing, I had no outstanding returned checks and quite frankly never have, and despite me having absolutely no accounts in collections or otherwise and maintain a quality credit ranking. 

I further inquired as to why BOA would allow me to keep an investment account with my former employer and in-turn, refuse approval of an IRA account ( XXXX ) when in fact, they solicited and even specified that I review my available options to reallocate these funds to another BOA investment product now that my employer is no longer making contributions. I asked why they would send me solicitations regarding my options if their system of record was in-fact predetermined to deny my application without a true and clear review of my credit report and financial qualifications. Thus, AFTER placing an unnecessary inquiry on my credit report and taking me through hours of a deceitful exchange. 

I have never been denied a checking account or credit for that matter and maintain an excellent rapport with XXXX XXXX for day-to-day banking. As such, XXXX should be utilized by BOA as a true example of professional banking standards and regulatory compliance. This was surely a waste of BOA employees time, of mine and is a clear example of a break in process.

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: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I try contacting company did n't comply with remove inquiry from my

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: T.S. Holdings
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
We had been having safety and security issues at the apartment complex we were renting from XXXX XXXX XXXX  in XXXX XXXX XXXX, Florida XXXX for over nine months. We contacted management but no attempt was made to fix dangerous construction debris, inaccessible services such as walk ways and trash disposal, and overcrowded apartments nearby that had loud parties and were dealing drugs late into the night. People would walk directly into the apartment across from us without a key or knocking. In the morning there would be beer, liquor and food trash in front of the apartment on the stairs and in the corridor. We filed complaints with the Florida Attorney General. We received receipts that our complaints were received but no other information or action. 
The complex/company raises the rental rates every time you renew your lease. We had been looking for another rental, once found we requested the form to end the lease. We filled it out and returned it to XXXX XXXX, the current Manager. She confirmed receipt and our move out date. There was a waiting list for the one bedroom we were currently renting. We turned all of our keys in which she confirmed via email. She said there was no balance due and nothing else was needed. We received no calls, correspondence or emails from her after we had ended our lease. Over two years later when making a financial transaction I learned that I had a derogatory account on my credit from XXXX XXXX XXXX, and I.Q. Data International, Inc. of XXXX. I was charged XXXX for " breaking the lease '' and they continue to add monthly processing charges to this debt. I was informed by XXXX that there was no fees if the form was filled out. She was very helpful and never said there would be any fees or charges. I do not know who determined that these fees would be charged to me. I believe if you audit the leases for this company with properties throughout the United States that you will find excessive charges and fees to tenants living there and to the majority of those ending their leases. At the minimum, there should be a class action lawsuit against this company. In addition, I don't understand how their billing, leasing and property management can be in compliance with the Fair Housing Act. Please advise and assist. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: Experian Information Solutions Inc.
State: NJ
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:
Experian Report per XXXX XXXX XXXX card # XXXX Limit of {$7900.00} This is acount is being reported wrong and illegaly per the FCRA and Metro 2 reporting compliance mandates. 

This alleged Charge off debt shall not carry a balance or High limit which is injurous to my credit score.  and incomplete account number. Per FCRA all information reported shall be reported 100 % accurate or must be deleted. 

XXXX XXXX XXXX account # XXXX alleged collections account showing a balance of {$1300.00}. Which is again is being reported incorrectly and illegaly per the FCRA and metro 2 reporting compliance standards.

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 2019-11-12
Company: Kriya Capital, LLC
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:
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 2019-03-11
Company: PHH Mortgage Services Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
PHH has no reasonable way for us to get them an authorization letter. They said they require it to be an original, mailed to them at a special address. This was done XX/XX/19. PHH is denying ever receiving anything and is refusing to speak to us when we call in. Oddly enough, they will speak to us on their outbound calls. They will not acknowledge a faxed copy of the authorization. It is clear that PHH is purposely attempting to block the executor from attempting to resolve the estate issues of the XXXX   borrower. Even the parent company is having these same issues with PHH, and their frustration level is evident. 

It is an Industry Standard to be able to fax or even email documents to a lender. PHH 's policy is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: Clear Recovery, Inc.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This originally started the first time I spoke with the company. Their representative was extremely aggressive when I told him I wouldnt give him my information over the phone because I hadnt received anything in writing. They have since called me numerous times a day, multiple times A MINUTE. I have had to get my number changed because of the number of times my phone was ringing while I was at work. For example, on XX/XX/XXXX they called at XXXX, XXXX, again at XXXX, XXXX, XXXX, then four times at XXXX. This pattern of harassment has been getting worse for weeks now but this is definitely as bad as it has gotten I finally just changed my number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Upon opening up a Wells Fargo checking account I was asked if I wanted a credit or debit card. I stated my desire for a credit card and sent a debit card. I check with the WF official and was informed that they ordered me a debit card as it offered me additional benefits. I asked about all the other benefits associated with the credit card and was informed that they were identical. 

Upon needing to use a credit card benefit, I was informed that the benefit was not on the debit card. Wells Fargo was contacted and a representive in the Executive Office indicated that there was an internal investigation and the bank was unable to help. 

This is clearly a matter where an employee, a number of years ago, went against my request and unilaterally sent a different card. Then the employee gave assurances that the card benefits were the same between the credit and debit card. 

A consumer should not be the subject of mis-information and the results of the internal investigation should be shared.

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