BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-07
Company: Mid-Michigan Collection Bureau
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This is aregarding the nasty, patronizing and unnecessarily personal voicemail left on my phone from an employee of yours -- XXXX XXXX. 

This voicemail advised in a condescending tone that it was " time for me to accept responsibity '' for the debt owed. And that she was going to file for garnishment. And this was AFTER I had informed XXXX XXXX that I was at work and unable to have a conversation about this business matter. Ignoring my plea, she called back four times, then left said voicemail. I would hope that this kind of behavior is not representative of this company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am trying to looking for lending information for a mortgage company, XXXX XXXX, ( XXXX XXXX XXXX/ ), to help make a mortgage application decision. 

I went to CFPB Home Mortgage Disclosure Act Mortgage data to look up this company. However, the last mortgage origination I can find is in XX/XX/XXXX. There seems to be no mortgage origination from this company after XX/XX/XXXX. And I find that there were several lawsuits filed again that company.

It is very important to know the company 's lending history before making a decision. I do not know if this company actually did not originate any mortgage from XX/XX/XXXXto XX/XX/XXXX. Or they reported under another name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17
Company: Pendleton Capital Management
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/19 received robocall at my place of employment at approx. XXXX from XXXX at Pendleton Capital Management . Receptionist only recorded the company name and number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XXXX XXXX, 2017, I attempted to initiate a dispute with Experian in regards to my account with XXXX XXXX XXXX. The account is reporting a balance ; however, the account is paid in full. Experian would not allow me to submit a dispute.

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 2018-01-07
Company: ERC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have never received any communication via email, mail, or phone to validate this debt and therefore dispute this debt against XXXX XXXX XXXX and XXXX. Also, upon further investigation, this company reports multiple ways with the credit bureaus. With XXXX, they report as XXXX XXXX XXXX. However, with XXXX, they report as XXXX XXXX XXXX. In the XXXX of North Carolina, collection agencies are required to be licensed and/or registered with the Secretary of State. XXXX XXXX XXXX is currently under a WITHDRAWN status.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: LEXISNEXIS
State: IL
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:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to XXXX  you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: EQUIFAX, INC.
State: GA
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I submitted all information, with letter from the FTC, police reports & proof of identification but although im a victim, and i pay my bills, negative merchants want me to pay someone elses bills?! I did not open nor use any major credit card since prior to 2000! 
I Paid my school loans & earned my XXXX XXXX & paid b my losns off with XXXX becc back never a day late!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: Freedom Mortgage Company
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
THEY REFUSE TO PROVIDE PAYOFF FOR A REFINANCE. I sent an authorization for payoff on 4 occasions each time they open a " ticket '' then close it without providing the payoff. They requested I change the name on the payoff as my name changed after marriage I have sent everything they have requested and they will not supply it. I sent the first payoff request with my new last name on XX/XX/XXXX. They said the wanted it my old last name sent it on on XX/XX/XXXX then again on XX/XX/XXXX the final one was sent on XX/XX/XXXX. Each time they close the ticket without response. I call in and they say a manager will call me back as they are all busy and no one ever calls back. If you ask to be routed up to a manger they are always busy. If you ask for the payoff department you are told they do not have a direct line.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I previously requested an address to send a notice of small claim suit to Wells Fargo via a prior CFPB complaint, Wells Fargo rep by the name of XXXX XXXX replied stating to refer to my local small claims court which does not have the address to mail such a notice, it appears he is refusing to provide it. Further, information was reported to IRS by Wells Fargo showing an amount of {$5100.00}, a 1099 notice was received from Wells Fargo reporting this amount to IRS as paid to me. This amount appears to be from a settlement check which was not received and this was stated in prior CFPB complaints, not addressed. I requested Wells Fargo correct this information with IRS, however, it appears they will not as I was directed to IRS.. IRS rep stated Wells Fargo needs to correct this information.. XXXX refers to a letter dated XX/XX/XXXX which also does not address loss of check ... .The amount of which, {$5100.00}, represents a settlement amount of {$3700.00} including IRS taxes. However, the check was not received, appears intercepted by another party, my signature forged. Since Wells Fargo does not appear to be interested in resolving matter, I requested an address to send a notice of small claim suit. The matter includes the issue of lost/intercepted check, offer amount low-balled, continued sustained damages due to information reported to XXXX   XXXX  XXXX which was not removed prior. I spoke with a XXXX XXXX with mediation on XXXX, he was explained no payment received and the offer amount appears to have been low-balled, signature forged on check, continue to sustain damages due to information reported to XXXX, ( XXXX XXXX XXXX ). He denied all three facts and did not seem to be willing to re-negotiate.

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 2017-09-21
Company: AMERICAN EXPRESS COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
My identity was part of The XXXX breach. I have contacted XXXX and was alerted that I have a fraud alert and I believe that I may have been impacted by this recent breach. I have several inquiries that I 'm unaware of and believe they have been placed on my account without my consent. The inquiries are going to be attached to this report. This is very disturbing and I have contacted Better Business Bureau, FTC, & I have gone down to the bank to file suit against XXXX and the companies listed on my report. I notice that these inquiries we 're reported to XXXX, XXXX, & XXXX. At this time I am very XXXX off that my information has been leaked and have been used. Now I 'm not sure what to do and do n't trust to many people. It is very stressful to know your personal information is out every where and it 's a shame that we have these issues in a country where security is suppose to be used for things like this. I want it removed within 24 hours at the latest and I wo n't accept nothing no later.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-07
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Experian Date : XX/XX/XXXX Report # XXXX Experian has on my credit report XXXX XXXX as {$770.00} showing as written off. 

there has not been nothing by Experian as proof of this amount from XXXX XXXX. 

I have provided from XXXX a letter from XXXX XXXX in which does not state no money owed. 

I sold the car to a buyer in which is recorded with Califorina DMV in which if there was a balance stated by Experian why did I have my title. 

I have provided proof from XXXX XXXX letter Dated XX/XX/XXXX I need proof other wise by Experian something showing from XXXX XXXX this amount of {$770.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: Experian Information Solutions Inc.
State: MO
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 disputed XXXX  XXXX XXXX three times providing documents and even going lengths to even calling about the negative account that I have no knowledge of or never opened. There has still been no resolution pertaining to the fraudulent account, I have even taken action to freezing my social security because of this infraction. I have also been through a major loss in my family resulting in the death of my sister and have not or wouldn't have been able to create an account in the area it was made in because I moved for awhile I told the rep who was unable to assist or help me with this issue. 
Below is the account that needs to be deleted. 
XXXX  XXXX XXXX - XX/XX/2018 AMOUNT 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 2022-01-18
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021, I sent MR. COOPER, via certified mail, in good faith an endorsed coupon that was attached to my remittance statement for accord and satisfaction of the obligation due. I included instructions in accordance with UCC 3-603 and UCC 3-311 . MR. COOPER received the certified mail on XX/XX/2021. I have yet to receive the original instrument back in the case of dishonor, as I am the holder in due course, or have the payment applied to my account. This now puts the account in a billing error. I am requesting documentary evidence of the journal, books, and ledger associated with my account as per my right pursuant to 12 CFR 1026.13 ( a ) ( 6 ). I also want it be known that until the account is credited properly, or my original instrument is returned with documentary evidence of journals, books, and ledgers associated with the account, MR. COOPER can not collect, take any adverse action, restrict services, or make any reports related to said debt pursuant to 12 CFR 1026.13 ( d ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I tried repeatedly to have this account disputed Experian, even ask for the verification For an account with XXXX XXXX have n't receive anything. I tried disputing it again but there answer was that it was already investigated and would not do it again

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 2021-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Checking my report today and I noticed some inquiries on my report that Im not aware of as you know reporting anything inaccurate on my report is against the FCRA and it needs to be eliminated immediately. I dont mean to be so upfront but Im trying to better my life and this is holding me up .. 

Inquires : XXXX/XXXX  XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion

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 2021-12-06
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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the erroneous inquiry reporting on my Credit Report : XXXX XXXX XXXX XX/XX/2020

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 2020-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Fair Debt Collection Practices Act ( FDCPA ) Violations The Justice Department today announced that XXXX XXXX XXXX, XXXX. ( XXXX XXXX ) has agreed to pay over {$2.00} million to resolve allegations that it violated the Servicemembers Civil Relief Act ( SCRA ) by failing to refund a type of up-front lease payment to 492 servicemembers who lawfully terminated their motor vehicle leases early. 

A XXXX XXXX XXXX access code was used to steal the personal information of roughly 5,000 consumers, leading the bank to conduct a full-scale inquiry into the data breach

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 2021-09-14
Company: ACIMA CREDIT, LLC
State: NC
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 open a account with this company in XX/XX/XXXX, as we all know the XXXX hit Americans XX/XX/XXXX, well I talk to them in XXXX of XXXX and explained to them that I had loss my job due to XXXX I was assured that they wouldn't report to my credit and it did. I paid the account off in XXXX and early. I called the company in XX/XX/XXXX, it was told they apologize that it did report and they would fix it and it could take 60 days to update. I called again in XX/XX/XXXX, and was told the same thing and that give it 60days to update. I called again in XX/XX/XXXX and was told that the information was true and they can't fix it. I ask to speak to supervisor and was hung up on. I have been calling this company every other month since then. This is destroying my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: Southwest Credit Systems, L.P.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had an account with them that i noticed was combined with another bill i called and asked for the bills to be no longer combined they did that but then turned around and charged me XXXX for service i was still using at the time. stating that they are charging me for two bills which i had paid while using the service. It is very confusing how they are explaining to me the charges and i want to report them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: Law Office of Michael J. Scott, PC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
In XX/XX/XXXX my wife signed for a personal loan to consolidate debt. The original amount of the loan was {$12000.00}. A few months later I was laid off and we were unable to pay our bills. The account was charged off. The debt was purchased in XX/XX/XXXX by a company called XXXX XXXX. XX/XX/XXXX they filed a judgment. They hired a law firm, Scott and Associates, to collect the debt. Last Thursday, XX/XX/XXXX, Scott and Associates seized our joint XXXX XXXX checking and savings accounts, taking the funds we had in our accounts without any notice. I first called XXXX XXXX who would only speak to my wife. They said the accounts were legally frozen. I found a phone number attached to the transactions through online banking access and called Scott and Associates to learn more ( XXXX ). I reached a woman named XXXX XXXX at XXXX, who told me her firm had sued XXXX XXXX and would not release my accounts until I paid {$37000.00}. Then she said the firm would be willing to settle for {$31000.00} if I paid immediately. So, the original debt of $ XXXX is now fourteen years old and has somehow ballooned into $ XXXX, and Scott and Associates has unlawfully seized my bank accounts without so much as providing notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I tried to use my Citibank ATM card in XXXX XXXX, XXXX XXXX, XXXX on XX/XX/XXXX but my card had been blocked. This happened in spite of following their explicit instructions to call them before I travel and to confirm a similar ATM withdrawal transaction over my cell phone on XX/XX/XXXX. 
In this case, Citi ( again ) tried to confirm an ATM withdrawal on XX/XX/XXXX via my cell phone which I did not have with me at the time and even though I was able to validate the transaction later through an email Citi sent me ( see attached ), they STILL blocked my account today. 
This is not the first time this happens. It has happened multiple times in the past. And I have followed their instructions every time to avoid card blocking to no avail. I have complained multiple times over the phone, over email and via letters to customer service, all falling on deaf ears. 
I understand the need to protect customers from fraud but if a customer follows their instructions this should not happen as often as it does. It 's simple : their system does not work. 
Citi should be penalized severely ( hundreds of billions of dollars ) for not investing in their systems appropriately. It is the only way they will learn.

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