BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-17
Company: Diversified Consultants, Inc.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Diversified placed an adverse report on my Transunion credit report. I dispute that any amount was ever owed. Nevertheless I paid it to get it off my report. However, Diversified still reports it unpaid.DIVERSIFIED CONSULTNTS # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Date Updated ; Remarks. Here is how this account appears on your credit report following our investigation. 
Placed for Collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$180.00} DateUpdated : XX/XX/XXXX Original Amount : {$180.00} Original Creditor : XXXX ( Cable/Cellular ) Past Due : > $ XXXX Pay Status :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-27
Company: Experian Information Solutions Inc.
State: VA
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:
Credit reports are showing blank when lenders attempt an inquiry. 

I am a military veteran returning home after my final tour overseas. Despite having fair credit, no debt and outstanding debt-to-income ratios, applications have been rejected for VA home loan pre-approval because lenders only see a blank credit report ( XX/XX/2019, XX/XX/2019 and XXXX XX/XX/2019 ). I can only assume that there is a " lock '' or " freeze '' on my accounts ( which I have NEVER requested ), as numerous attempts to contact XXXX, Experian and XXXX via their on-line and telephone contacts have only resulted in requests to physically mail copies of my personally-identifiable information. 

On or about XXXX XX/XX/2019, I mailed copies of the requested identifiers to these three companies along with a hand-written note requesting the REMOVAL of any and all credit locks, freezes, fraud-alerts or holds that may be affecting these lenders ability to view my lengthy credit history, which resulted in two post-card responses from Experian and XXXX requesting that I physically mail certain identifiers to communicate with them. Now, my credit report shows the " requested '' fraud-alert and security freeze that I NEVER requested from Experian and XXXX  ( XXXX 's note area show no remarks ).

This entire charade is made even more difficult because as an over-seas returnee, all of my household goods ( printed records ) are boxed up and awaiting a residence to be delivered to, and my DoD-mandated overseas banking institution has deleted my account as required ( digital records ), so I can not easily prove any payment history to anyone. I am now homeless with my wife and XXXX XXXX children, despite having a military retirement pension and a good paying job. Thankfully, my elderly father has allowed us to stay with him. 

Please assist in " penetrating the bureaucracy '' with these megalith corporations which make contact a federal affair. 

Thank you, XXXX  XXXX XXXX, XXXX ( 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 2018-03-19
Company: RD Fuller Company, LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am a XXXX XXXX with a child. I was forced to move based on threats by the XXXX XXXX who is under a XXXX XXXX. I notified the Company that manged the building that I was living in and assumed that they would understand and take the money from my deposit or an arranged work out.The unit was infested with bedbugs.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: TRANSWORLD SYSTEMS INC
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The same collection agency with a new name is trying to collect on an unfair debt! Pages from the original debtors which includes a lease agreement has been removed and the amounts have been abnormally inflated. XXXX XXXX is where the unrealistic amounts originated, then sold to NCC ( debt collections agency that called me multiple times daily ). The same company ( NCC ) has sold the debt to itself by adding it to their new name Transworld collections. The debt is still unknown, unfair, unauthorized, unverifiable and non-validated. I have proof of the original amounts that would have been charged if the debt was valid. The company removed the paper from my file ; but I kept mine and the proof will show below along with emails, dates that prove unfair late fees and trumped up charges have occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I bank at TD Bank in XXXX, VA. I have a checking account and a savings account. The checking account is an account for Senior Citizens. I am retired and receive a monthly Social Security check and a pension check from my former employer. My wife continues to work and will receive her XXXX Social Security check next month. In checking my bank statement today, I discovered that I had been charged five overdraft fees of {$35.00} each. 
My account never had a negative balance. My wife and I went to the bank on this past Saturday to deposit a payroll check from her company. I specifically told the Teller in front of my wife that I was depositing a pay check and asked her to deposit the amount of the check as cash as the bank had agreed to do many times before. The Teller advised me and my wife that the check was deposited as cash. Today, I discovered that the bank had deposited {$500.00} as cash and the remainder of the check as a check subject to the banks holding policy on checks deposited into checking accounts. I called the Customer service XXXX number and explained the problem. The service representative understood my complaint and put me on hold to talk to her Supervisor. When she returned to the call, she advised that she was transferring me to her Manager to resolve the problem. Her Supervisor immediately got the Branch Manager of the XXXX Bank on the line and left the call. I explained the problem to the Branch Manager and she asked me if I had identified the check as a payroll check. I told her that I had done this as I have done many times previously. She said that the Teller was working today and put me on hold to ask her if I had identified the check in question as a payroll check. She got back on the line and said that the Teller did n't recall but later called me back and said that the Teller did remember cashing my check as cash, giving me {$500.00} at the time and depositing the remaining {$1600.00} as cash into our checking account. However, our account did n't reflect this understanding causing the {$170.00} overdraft fee. The Branch Manager said she would look into this but called me back to advise that she could n't reverse the {$170.00} overdraft fees because there has been a change in policy resulting in our account being charged the fees. I told her that we were not advised of any change in policy and the Teller had told us that the check was being deposited as cash into our checking account. Our checking account still remains debited for {$170.00}. I believe that TD Bank is fully aware of my problem and similar problems but has failed to change their accounting rules and processes because these mistakes benefit the Bank at their customers expense XXXX. I am asking the CFPB to help me resolve my specific problem by having the bank return the {$170.00} in fees to me and to look at the broader consequences for consumers if this TD Bank policy is allowed to continue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-17
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/XXXX I put a check into the the citi bank located at XXXX XXXX XXXX XXXX, NY XXXX. At the time I deposited the check I was told that if I leave the funds in the account for 90 days I will receive {$1000.00}. After this promotion was verified by the supervisor, I accepted the terms. 90 days has past and I called to see how do I retrieve my {$1000.00}. I was told that I need to have a promotion code in order to get my money. I was not told that i needed a code in order to take part in the promotion or to recieve my money at the end of the promotion. I have tried to get in contact with the branch supervisor and manager and have not recieved and response from them. 
Citi saving 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 2019-09-27
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company called one day out of the blue, asking about an old utility bill for the city of XXXX XXXX. I had not lived in XXXX XXXX for 18 months and had no knowledge of this debt. I told the women that account was closed in good standing years ago with a deposit refunded and everything. The lady and I kept going back and forth and I kept saying it couldn't be my debt, could you send me paperwork so I could review the dates because havent lived there! She asked if I ever lived at the address in dispute. I answered yes. She immediately hung up and it was placed on my credit report. I never saw proof of debt or even a bill. This company broke the rules by not providing any paperwork with said debt and immediately attached it to my credit report even after I said it couldn't be my debt because I havent lived there since 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: Harris & Harris, Ltd.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The debt is court-cost misdemeanor fine of {$1600.00} incurred on XX/XX/XXXX. In writing with a Recorded, Certified letter, I asked company as to stop calling as of XX/XX/XXXX. I currently receive ONLY XXXX ( Federally determined XXXX ) as income appr. $ XXXX The last phone call was XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 submitted a dispute with all 3 credit bureaus on the XX/XX/XXXX adn also some weeks before that thorugh XXXX XXXX. I havent ' received anthing in writing from two of  the agencies which are Transuion and XXXX. I reached out to Transunion and was told by two fraud reps and a supervisor my investigation was completed on the XX/XX/XXXX. and it takes up to 7 business days to receive something in writing from them and they have 5 days from receiving the request to investigate to start their investigation. I called to advise them I have yet to receive anything from them in writing and demanded they remove the negative items off my report, the first guy hung up on me the second guy transferred me to a supervisor and she repeated what the other guys said, as if she was going by what they had noted in the account. My understanding is if they haven't respsoned they are to remove the items off, I even have an email from XXXX XXXX that was sent to me stating the investigation hasn't been complete and I need to reach out to the bureau personally about it. How are we to use the law in our favor if the the bureau won't budge to remove negative items off when they are the one 's at fault because they haven't responed in a timely mannor. How does it fall into their favor because in their system they show a completed date but it is past 30 days for you to reveive a response but they are given an extentsion because in their system the completion date is within the 30 days but no respone has been sent and the response can be sent after 30 days according to them because their completion date in their system is within the 30 day window, it isn't fair technically it is past the 30 days regardless of what's in the system. Can I get help with this one, pleae.

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 2018-03-19
Company: PHH Mortgage Services Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am writing this letter to request your assistance with keeping my home. I requested assistance from my lender but their Decision Letter ( Page 1, 3nd paragraph ) stated although I may have a hardship, I do not qualify for the Home owners Assistance Programs listed on their evaluation summary. XXXX See attached documentation. ) On XX/XX/XXXX, XXXX XXXX XXXX, my mother ( co-borrower ) on the loan passed away ( death certificate attached ). Prior to her passing we were on time with our payments. At that time, I made a request to my lender for assistance and was not offered a principal reduction to make my payments more affordable, but was given a modification. My mother and I were splitting the payments of the mortgage, utilities, and the Home Association Fees. We qualified for the home based on both of our incomes. 

REASONS FOR FALLING BEHIND : PHH graciously has offered me a modification, in the past, and I am very thankful. However, due to health related issues and a reduction of work hours I fell behind in my payments. This began to occur around XX/XX/XXXX. During that time, some weeks I worked XXXX hours and other weeks only XXXX hours. Health issues further caused me to get behind in my payments. In XX/XX/XXXX, XXXX XXXX, and XX/XX/XXXX, I was hospitalized and subsequently placed under Doctors care ( documentation for hospital stay and time off from work attached ). 

CHANGE FOR THE BETTER PERTAINING TO FINANCES & HEALTH : Currently, my circumstances have changed for the better. I have fully recovered from my illness and back to working a full XXXX hour work week. My employer is even allowing me to work overtime ; I have received a pay raise and bonus. I have also started renting out a room at my home again so I can maintain my mortgage payments even if my health starts to decline again. 

REQUEST : I request assistance with getting back on track with my payments, such as payment reinstatement and principal reduction. The balance on my loan is around {$410000.00} and I owe a little over $ 25k to get back on track with my payments. 

I am committed to keeping my home, but I need some financial relief with my mortgage, and any assistance you can provide would be greatly appreciated. 

Thank you for your assistance with this matter and let me know if you need additional documentation from me. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: Resurgent Capital Services L.P.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
lvnv founding llc. send letter to my job to take money from my pay i spoke to my job telling them i dont know about this i never receive ant letter form them they still giving them my money

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX has several hard inquiries on my credit report that I did not authorized. These come from the date ( s ) of XXXX XXXX 2020. They appear from the name ( s ) of XXXX XXXX XXXX and XXXX. I am asking that they be deleted from credit profile.

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 2018-03-19
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have actively disputed the account sold to XXXX. XXXX company in the amount of {$480.00}. This account was subsequently closed on XX/XX/2018, then removed from my credit file. 

On XX/XX/2018, the account reappeared from the same company with the same balance. It is now reporting on my credit file again as an " Open '' account. I received no further verification or notice of this account being added to my file after deletion. This is a violation of my rights. 

I am including a screenshot of my updated credit notification regarding this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-19
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: Account status incorrect

Complaint:
I have actively disputed the account sold to XXXX. XXXX company in the amount of {$480.00}. This account was subsequently closed on XX/XX/2018, then removed from my credit file. 

On XX/XX/2018, the account reappeared from the same company with the same balance. It is now reporting on my credit file again as an " Open '' account. I received no further verification or notice of this account being added to my file after deletion. This is a violation of my rights. 

I am including a screenshot of my updated credit notification regarding this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: ALLY FINANCIAL 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:
XXXX, XXXX and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this account listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report

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 2021-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX. I received a notification from my credit monitoring service about recent inquires. So I pulled my credit report and noticed unauthorized inquiries listed on my credit report. I have contacted XXXX XXXX XXXX XXXX and they stated it was not mines, however, they can not remove from them as an inquiry and I have to go through the credit bureau. They have been given the run around. They have stated that there was no accounts in my name I am not responsible for but stated I need to contact the credit bureaus as well. I have been a victim of identity theft in the past and this really scares me. I want to take any action possible to settle this asap please. Someone have applied for items in my name and they need to be removed. I have frozen my credit report as well for added protection. According to the Fair Credit Reporting Act, they items must be removed. These are listed on my Transunion Credit Report. The unverified inquires are listed below : XXXX XXXX XXXX XXXX XXXX XXXX 2021 XXXX XXXX XXXX XXXX XX/XX/2021 2021

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 2021-09-15
Company: EQUIFAX, INC.
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:
On XX/XX/XXXX I sent a letter regarding inaccurate and unknown things on my credit report. On XXXX XXXX the agency sent a letter stating they had completed their investigation and the items were not deleted, as requested. This concerns me as I do not understand how they arrived at this conclusion since this information is indeed incorrect. I feel like I'm being taken advantage of of and being ignored by my disputes. I demand these accounts be deleted immediately or I will file for ligation due to the stress they have cause me.

Company response to consumer: Closed with explanation