BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-28
Company: Quantum3 Group, LLC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This card was part of a bk ( {$3800.00} XXXX XXXX XXXX, Quantum3 Group , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Washington XXXX Phone : XXXX Facsimile : XXXX Email : XXXX Website : XXXX Phone number sends me to voice mails no call back. Agents not willing to help resolve and is hindering the owner of the property to refinance, causing hardship to me and the property owner. I have sent the docs they request and still no action. I feel this company is purposely causing this hardship and their process is to hurt consumers during their recovery. - Requested for Lien Removal Attached is a copy of the court doc removing our attorney, I was shrugged off by Compliance Officer : XXXX XXXX XXXX saying to contact my attorney. My brother is unable to refinance his home and can't move forward. All other creditors have honored the BK and released judgements since the court trustee acknowledged the property on XXXX XXXX XXXX XXXX XXXX, AZ XXXX was no mine and I had not lived there in over 10 years nor had any part on any financial obligations towards the home. My brother, XXXX XXXX, is the sole property owner who is trying to move away from the existing Obama save the house loan, and go into a regular mortgage. Why would this company hold him back from progressing? Please help as this is causing a family hardship over a BK nearing 2 years ago. 

XXXX last message knowing I don't have an attorney : XXXX XXXX Mon, XX/XX/XXXX, XXXX XXXX ( 10 days ago ) Please talk to your bankruptcy attorney. Thank you. 

I don't understand how these company 's are legally allowed to collect on a BK when they are not in the State of AZ, I am not sure if they follow the rules for collections, and not being able to talk to someone is very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: Experian Information Solutions 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:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT WERE NOT MINE. THERE ARE MULTIPLE ACCOUNTS THAT ARE REPORTING LATE PAYMENT HISTORY WHICH ARE IN ERROR. I HAVE NEVER BEEN LATE ON ANY OF THESE ACCOUNTS, SO PLEASE AMEND TO SHOW NEVER LATE. 
I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX, XXXX, XXXX, XXXX BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. YOUR FIRM COMMITTED SIX 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES.

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 2019-11-10
Company: GOLDMAN SACHS BANK USA
State: AR
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:
XXXX  IS SUPRESSING OUR CREDIT FILES, AND AS A RESULT CAN NOT GET A LOAN FROM MACUS. DEMAND XXXX  TO STOP INTERFERING WITH THE FINANCIAL CREDIT APPARATUS DESINED SPECIALLY FOR THE CONSUMER AND THE CREDITOR. SEE ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: Resurgent Capital Services L.P.
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 non-monetary relief
Consumer complaint received 2017-12-13
Company: CITIBANK, N.A.
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
CitiMortgage, Inc. has a credit-line/mortgage of around {$500000.00} on my home at XXXX XXXX in XXXX, NJ XXXX. Loan number XXXX # XXXX. 
I also have a {$400000.00} second credit-line/mortgage with XXXX. 
Since the financial disaster, values of houses had decline rapidly and have not returned to their value. 
My house is valued to date at around {$700000.00} - thus it is considered " under Water ''. 

I have been disabled a few years ago and my income has been greatly diminished. I currently get Social Security Disability income and some private disability insurance ( Expiring in 9 months upon my becoming XXXX. ) My wife, a psychologist, who was a principal of a school, lost her job recently as well. 

We are safe financially but are not able to pay the full rate of payment for both mortgages. Accordingly, since we are struggling, I applied for loan modification with Both ; Citimortgage and XXXX. XXXX approved me for a loan modification immediately, upon my first application, over two years ago. 
Citibank, on the other side, had been slow to respond and amidst a bad faith process, had denied me four times so far. 
I reported on their practices, but it is only this time, on my fifth application for loan modification, after replacing XXXX loan coordinators, did it come to my attention that I have been badly classified all together. 

In my conversation with my new loan officer, XXXX XXXX XXXXXXXX, told me that Citi is listed as SECOND lien on my house Loan. 
Accordingly, the XXXX ration, which was the basis for my denial, at 55 %, should not have applied and I should have been approved, since my XXXX has been far above the 31 % that FIrst lien mortgage applicants need to have their loan modification approved. 
In addition to many other wrong doings, such as requesting documents that do not relate to me, keep being requested, even after I told and wrote, numerous parties that they are NOT the one reporting on my taxes or that have any reference to me, they still pursue it. 
When I called supervisors and they told me that they would discuss it with the underwriters, my case was closed. 
At present, I demand that CItimortgage rectify its records, confirm my loan as first lien and approve my many a [ pplications that qualified, without starting yet another course of documents demands. 
I have been submitting everything requested, and every time they change a loan officer, new underwriters ask everything the same updatged. 
6 months later -I am at the same stage, without progress. 
Citimortgage 's records and methods of communication aside - my case is not straight forward and I request it being corrected without losing more time or new applications. 
Thank you XXXX XXXX and 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 explanation
Consumer complaint received 2016-04-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
In XXXX, my wife and I got a modification for our mortgages. 
From the XXXX bureaus they were reporting late payments. 
I pulled my credit report and the mortgage was supposed to be reporting positive but did n't. I called my lender in XXXX XXXX to find out why my loan was not reporting positive and was told that my wife filed a chapter XXXX in XXXX and they can not report any activity to the bureaus unless my wife 's attorney re-affirms the loan. Later on I filed an online dispute with all bureaus. XXXX updated the file and closed the account. XXXX did the same. XXXX verified the information and it remains. This has lowered my scores.

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 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I've tried several times to place a security freeze online with TransUnion and to get my free credit score, however, the online site is usually unavailable or my information doesn't match the inaccurate information in my credit file. 

This is another gross manipulation by Trans union in deterring how they choose to govern consumers credit file, which violates my fcra rights. 

You have a right to place a security freeze on your credit report, which will prohibit a consumer reporting agency from releasing information in your credit report without your express authorization. The security freeze is designed to prevent credit, loans, and services from being approved in your name without your consent. However, you should be aware that using a security freeze to take control over who gets access to the personal and financial information in your credit report may delay, interfere with, or prohibit the timely approval of any subsequent request or application you make regarding a new loan, credit, mortgage, or any other account involving the extension of credit ....

You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal 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 non-monetary relief
Consumer complaint received 2015-07-23
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company has put my account on a levy without any notification. I keep calling them along with XXXX to give me any and all proof that this is my account and they will not disclose to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have reached out to Hunter Warfield in regards to a debt collection from XXXX. In XXXX my fianc paid this account in full. I have attached his bank statements from XXXX XXXX showing the account pay off amounts of {$1200.00} and {$500.00}, as they amounts were removed from his accounts. My fianc was listed as an occupant on this lease and had rights to paid this debt on my behalf. I have counted Hunter Warfield several times via email and phone to resolve this matter and they are not obliging or providing an efforts to resolve this matter. They will not respond to my emails and when I call they place me on long hold and tell me that they are investigating this matter and will return my call. Per the records below I have been contacting them for over a year now with no avail. I have disputed this records with the credit bureau 's and have gotten no where.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02
Company: EQUIFAX, INC.
State: LA
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:
HAVE CONTACTED CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
HAVE CONTACTED CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

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 2021-11-02
Company: CAVALRY INVESTMENTS, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
This is a HIPAA Violation. On XXXX someone called me from Cavalry Portfolio Services stating that they bought my account on a already closed account and stated we will call and give out your information and talked rude to me with foul language. They then called a family member on XXXX and provided all information. This account has been closed and was no longer reporting under the original company. They then said just for that they will place it back on my credit and it is showing up on my reports. This is illegal and they shared my personal information and address.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be  removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX  XXXX XXXX and 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 explanation
Consumer complaint received 2019-11-02
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
new car loan XX/XX/XXXX. Usurious rate of 26 %. Interest on top of interest penalties for late payments. After 30 months with this loan, I have PAID {$12000.00} on a {$17000.00} loan and the loan principal has been decreased by {$1500.00}. I have spoken to numerous reps over the years and no one has done anything other than give me a few months no-payment to catch up but of course added those months onto the end of the loan. 

I had a bounced check in XX/XX/XXXX that I was unaware of, and even though I was making monthly payments every month, on time, they charged me late fees every month for many months going forward because I did not realize there was one missed month so they considered all those months late. 

AGAIN, I have paid Santander {$12000.00} on a {$17000.00} 72 month loan and they have reduced the principal by exactly {$1500.00}, which still leaves me after 30 months with an outstanding loan of {$16000.00}. Which means I am being ripped off for outrageous amounts of interest. Since XX/XX/XXXX I have paid on time every month, even made additional payments to catch up, and now I am in serious financial hardship and will have no choice but to go bankrupt, almost completely because of this bank 's practices. 

Special thanks to Santander 's partners at the XXXX dealership who took advantage of a naive first-time car buyer with a weak credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: AZ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I contacted the Collections department to try to resolve my debt. First my calls kept being transferred over and over and I kept being hung up on or sent to a full voice mail with no resolution or a chance to talk to anyone. I finally got ahold of a representative and asked if my late fee could be waived as I am aware of other individuals who have had their late fee waived by this same company. The representative transferred me to her Supervisor name XXXX ( who said his Managers name is XXXX but refused to let me leave a message for him ). I was politely asking if my late fee could be waived and he started to raise his voice and talk down to me in a demeaning manner. I told him he did not need to talk to me that way but he just kept talking down to me when I was simply asking about having a late fee waived to be able to bring my account current. He then said he was going to hang up on me and end the call because he did not want to answer my questions. There is no reason why any company specially a Supervisor needs to talk to customers in a demeaning way. We are all going through a hard time right now with the Covid -19 issue, XXXX could have tried to be more helpful and understanding. What kind of company allows their employees to talk to customers in that manner?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: EQUIFAX, INC.
State: IN
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 have sent letters to each XXXX, XXXX, and Equifax on five different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 120 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-04
Company: Keith D. Weiner & Associates Co., L.P.A.
State: OH
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
For the second time, I have been " bullied '' into dealing with a law firm that is a collection agency. This organization has very poor customer service, does NOT work with the consumer because of extenuating circumstances, garnishes the wages of the only wage earner in the house. I have dealt with this organization before and even after making unreasonable efforts to pay, they still garnished wages and caused further hardship to our family.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MN
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:
A company called XXXX XXXX XXXX in XXXX XXXX, MN took my XXXX XXXX   in XXXX for services that I never received from them. 
They also repeatedly charged my credit card {$200.00} and they did pay those back to me after I disputed with my credit card company. I did not know about the XXXX XXXX at this time. 

XXXX Bank sold this debt to Portfolio Recovery Solutions. It was made as a judgement against me in XXXX, and showed up on one of my credit reports in XXXX. I contacted Portfolio Recovery Solutions on XX/XX/XXXX and they said that XXXX XXXX XXXX out of North Dakota was handling the account. 

So I called XXXX XXXX XXXX  and was forwarded to a voicemail for a XXXX at ext. # XXXX. She called me back, and I asked her to send literature on this account, as I believe I do not owe this debt. I received literature in the mail, and I have called and left countless voicemails. No one answers the phones, and no one returns my calls. I need this taken care of, as I am trying to close on a house, and this is preventing me to do so. 

There is an active judgement against me, that I do not agree with, and have disputed numerous times. XXXX XXXX XXXX agrees that I do not owe the debt. Yet after it has been sold and sold, I can not get a hold of anyone to remove it, or help me get this taken care of. If they are going to file something on me like this, they should make sure consumers are able to get in contact with someone to take care of it. I feel trapped. 

This is not fair, and I am filing a complaint against XXXX XXXX XXXX, and Portfolio Recovery Assets. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: EQUIFAX, INC.
State: MN
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation