BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-26
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have asked Midland Funding to validate a collection they are reporting on my credit reports from XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Good Morning, I have been working with FIRST NATIONAL BANK company employee named XXXX XXXX details are below. First i got introduced through the listing agent of the house XXXX XXXX, Since we liked the house, i went to my bank XXXX. 

They denied my application stating that if am a self employed or having my XXXX less than 2 years i wont qualify as per XXXX XXXX guidelines. 

XXXX XXXX NMLS # XXXX Mortgage Loan Officer XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX Cell XXXX Fax XXXXXXXXXXXX I told XXXX the samething about my employment status, He asked me to provide all documents despite of my situation and i gave all possible documents back in first week of XXXX, he took nearly 20 days long and denied my application again he asked my profit/loss summary from my company asked my CPA to produce documents, which she provided. Again he told me my application is denied. Again he told me if i were a XXXX and worked for the current client, he would make it possible, again he came back to me asked me to Dissolve my XXXX and get a letter from my CPA. my CPA again wrote second letter and again he comes back and says my application is denied after 45 days of drama. My question is when i told my current situation of my employment, he should have told me right on my face its not possible. 

He and the realtor are good friends, they were trying to get my initial deposit XXXX and again asking me to give another XXXX made me to fall on me on this messy trap. During the initial he asked me to do inspection and he took money for my credit application and appraisal. Why did he do all this, when there is a well laid plan by XXXX guidelines. During this entire process i worked with several lenders, the all denied in same day, XXXX, XXXX and XXXX as well. Because of your careless staff, the sellers are threatening me saying they wont give me XXXX dollars back, below expenses occurred due to your inefficient staff. To summarize. 

1 ) Several hours loss of pay from my work. - not counted yet 2 ) Paid for inspection - XXXX XXXX ) Paid for Appraisal - XXXX XXXX ) Given Lease breakage XXXX XXXX ) Given XXXX Deposit for escrow - XXXX XXXX ) Paid CPA to write letters for doing work during weekend several times This whole process had created a mental trauma for me and my family, also we had give a notice to vacate our current place. 

Please advise i want to handle this professional way, so that you or your bank does not get any name-fame issues. After all this he is forwarding my information to another lender.. ITS Total loss for me and my family. 

Regards, 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 2017-05-31
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
THEY ARE REPORTING ON MY CREDIT REPORT HOWEVER, I WAS NEVER NOTIFIED OF THIS DEBT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX charged me a membership fee I had not wanted. XXXX store removed the charge. Comenity Bank continued to charge late fees and interest. They have removed most the fees but are still trying to charge me interest. Plus they have reported that I missed payments in XX/XX/XXXX and XX/XX/XXXX when there should have been no charges as the card was paid in full XX/XX/XXXX. I call every week or so and they say they fix it but they never do. I have XXXX false blemishes on my credit report due to this and they are still trying to charge me interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-16
Company: WELLS FARGO & COMPANY
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint:
IN XXXX XXXX i recieved notification that i was to recieve a refund check due tocharges associated with the may have contributed to the repossesion of my car on XX/XX/XXXX besides now having a bad credit report from then they finially reached out to me i recieved three letters pertaining to the refund and on one letter it stated tht XXXX XXXX a cosigner of the went into bankruptcy and the the case was closed two mmonthe prior to recieving notification about this refund well weeks went by and i one day called to ask about my check and when i was going to recieve it they gave me the run around at first and then they stated that in there system it shows that i already recieved payment and cashed it i told them it was true and i wanted to file fraud on whoever did it Wells fargo stated that it was out of therr hands that i would have to take it up with the trustee XXXX XXXX out of spokane i stated ive been trying to contact him ever since i found out about refund but any and every secretary of his would tell me the same thing they stated i dont have a case with him i told them i know that but my check went to him and he cashed it and they stated they would take the message and to call back well now being XX/XX/XXXX im still with bad credit nothing got fixed or repaired and im not satisfied with the outcome to my understanding this is a colateral protection insurence not a auto loan and so i requested a copy of my policy several time and i have yet to recieve one one employee even told me he couldnt even check it to c if i was the only one on the policy well as of yesterday XX/XX/XXXX i found out by phone that i was the only one on the policy so regardless of anything else the refund should have never went to the trustee please help

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 2020-01-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had a Capital One 360 checking account. My son was XXXX XXXXy and was in the XXXX resulting in me missing work. My wife asked her mom for money from from and inheritance from her grandma to help with our mortgage, whenever her mom pays her this money she puts it in an account that is just her name to keep track of how much she gets and then my wife writes a check. my mother in law didnt know that they closed out those accounts after the grandpa died the trust changed. So the check that was wrote came back bad and that it was a closed account. Because of this capital one closed my account. The first time I was notified of this was XX/XX/XXXX. That same day a direct deposit from my employer came in. I was told it would be mailed in 7 to 10 business days. I called on the XX/XX/XXXX and was told it was scheduled to be mailed out on XX/XX/XXXX. I never came so I called on XX/XX/XXXX I was told it was going to be mailed on the XX/XX/XXXX. I called again yesterday to make sure and found out it still hasnt been mailed, I was told an email would be sent. This money is needed, it is my money. I am behind on my bills have ended up with late fees. I need this check ASAP I have a brand new baby that has to be seen at the doctors an hour away two times a week. I need all my money right now. Capital One had made this a nightmare from the start, they wouldnt even give me a chance to prove what happend with the check from my wives inharitance, just treat me like a thief or something. I do not want an account or to do business with them again, I just want my money

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-26
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Vanderbilt has refused to provide me with all documents, forms, and contracts that may pertain to offers that they have made to settle our account. They proposed XXXX offers. XXXX was for deed-in-lieu of foreclosure, and the second was for a cash settlement to mature on XXXX/XXXX/2016. The have provided the jest of XXXX offers, but have yet to provide complete documentation that would be signed should we agree to either of the offers. I need to review the complete settlement agreement ( s ) including terms and conditions, legal disclaimers, waivers and omissions, clauses, releases, and all other verbiage contained therein. Without this information I can not make an informed decision and can not possibly know my full rights related to these settlement offers. I need to be able to review them in their entirety and have ample time to have them reviewed by legal counsel as well. I received correspondence from Vanderbilt 's portfolio manager, XXXX XXXX, indicating that he did not believe I needed this information. Due to the deadline for acceptance or rejection of this offer, it is imperative that I take the time to make this request even during the holidays. If Vanderbilt can not provide the complete contracts for both offers proposed, then no offer was truly made. I have many questions as to what these final agreements might look like and what restrictive verbiage they may or may not contain. For example, XXXX XXXX, debt collector for Vanderbilt, suggested that I would have to sign an agreement that if I were unable to acquire the funds needed for settlement, I would have to turn the keys over and walk away from the home. He also stated that Vanderbilt would include a clause stating that I would waive my right to legal recourse should I accept their offer to settle the account. This is why I must see any and all verbiage associated with both of the offers. Contrary to XXXX XXXX 's statement to his legal department, quote, " I am really not sure why he wrote us this asking for us to give him our offer again. XXXX gave him the XXXX options we were willing so I am really not sure why he is asking for us to provide that again??? 
XXXX, do we need to give it to him again in writing? '' end quote, I have never received anything other than a vague proposal with no further information that would allow me to make an informed decision. This has already happened twice before when they sent agreements to offer payment assistance and loan modification. 

So I respectfully request this information in its entirely as well as an extension of 30 days for review by myself and counsel. I have attached the original email where I requested this from Vanderbilt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: FC HoldCo LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Flagship credit acceptance rep XXXX contacted a reference on my account and provided detailed information on amount I was past due and provided information about my account which included a statement I need to turn that vehicle in by XXXX or there going to take legal action. I also have a voicemail that was left on a reference with the same 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 2022-07-05
Company: T.S. Holdings
State: OK
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:
On XX/XX/XXXX at XXXX I contacted IQ Data International and spoke with XXXX XXXX XXXX I explained that I did not dispute any information on the account and agreed to the balance and prior payment history and that I request d them to update the account comments to reflect that. 
After confirming that I understood XXXX said no we know you are trying to get a mortgage and will continue to report it as disputed until you pay us in full. I reiterated multiple times that I do not dispute the account and assume full responsibility for the account. At which time he said no we will do what we want until we get our money so give me your credit card number

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: Pono Ventures Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A R Recovery Solutions has placed an account in collections under my name and refuses to verify that this account belongs to me. This account has since been reported to the credit bureaus and has impacted my score. I asked them to sen d verification of the debt to me and they kept telling me that I would have to send in my social security card, picture id and a signature, which i dont trust to do so. I know that this is a tactic try to collect my personal information. They also have threatened to take legal action if i dont pay the account off ; the account that they refuse to validate or verify.     Secondly, according to Illinois Depart ment of Professional & Financial Regulation  and Fair Debt Collection Practices Act, A R Recovery Solutions is not licensed to collect debt in the state of Illinois.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
After reviewing my credit report, I am not happy to see the below items that are still showing in there even though I have informed you that they are in accurate and njurous to my 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 non-monetary relief
Consumer complaint received 2022-07-05
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Discover is reporting a debt on my XXXX report as being owed. This is inaccurate. I do not have a signed contract with this company nor an agreement stating I owe this account or company. I have now submitted disputes to all the bureaus accounts for them to validate this debt on my report and to provide the written and signed contracts reporting the debt. This company is violating FCRA consumer laws by reporting inaccurate information and I am requesting that this account be removed from my credit file immediately. All this is causing me so much emotional stress and I will move forward with legal action if not. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: ERC
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company says we owe {$470.00} but will not provide an itemized list of charges. we have asked on several occasions of an itemized bill. we do owe money to the company but its only {$120.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: Freedom Mortgage Company
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
We applied for a streamlined refinance on XXXX XXXX, 2015 with Freedom Mortgage. Initially, we were told the process would take XXXX3 weeks. Since that time, we have been through several processors at Freedom Mortgage, so we never know who to contact for questions. We have been promised several closing dates ... of which all of them have come and gone with little to no explanation. They stated once that part of a delay was they were waiting on us to send a subordination agreement ... of which I had sent them XXXX times previously for their approval before having my XXXX mortgage lender sign it. Then ... when Freedom approved the subordination, I overnighted the signed document to Freedom ... only to find out several days later that they needed the subordination changed. We are fed up with this process and do n't understand the consistent delays with the complete lack of communication.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
PLEASE REMOVE THE DISPUTED ACCOUNTS OFF MY CREDIT REPORT. THE TRANSACTIONS ARE INACCURATE AND I WOULD LIKE THOSE ACCOUNTS OFF MY FILE. THEY HAVE BEEN HINDERING MY CREDIT AND HAVE CAUSED HARM OFF ACQUIRING NEW CREDIT. PLEASE INVESTIGATE AND HAVE IT OFF MY CREDIT FILE.

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 2017-03-21
Company: Convergent Resources, Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
CONVERGENT OUTSOURCING, INC. Has put an " open '' collections on my XXXX credit report. This is a OLD Collections account which was originally from XX/XX/XXXX and was and is a " REMOVED COLLECTION '' as of XX/XX/XXXX. 
XXXX XXXX XXXX {$530.00} this is the removal info on my credit report. now this company CONVERGENT OUTSOURCING, INC. has illegally changed the OPEN date on this same old account from XX/XX/XXXX to XX/XX/XXXX and last reported on XX/XX/XXXX. this is a debt buyer company and have SEVERAL Complaints against them.. they have " PARKED '' as they say this old Removed Collection account on my report. and its only showing on my XXXX report as I believe its harder to get items disputed removed. I just checked my full free credit report last week and this collection was not on there!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: Freedom Mortgage Company
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
REF Case number : XXXX Due to an error by Freedom mortgage company while selling my mortgage to another lender, I was reported to the credit bureaus as delinquent on my payments despite a promise that this would n't happen. This shows on my current credit report as having missed XXXX payments. During this time i was servicing the loan through the new lender. This has destroyed my FICO score and thus my credit worthiness.

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 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I did not consent to the following inquiries listed on this report, nor did i benefit from them, please block and remove them please

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-05
Company: Early Warning Services, LLC
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I got scammed on XXXX by someone who has tickets but wasnt intending to sell them to me. They got about {$390.00} dollars off of me before they decided they were going to keep my money and the tickets before blocking me on XXXX and leaving me without my money and without the promised tickets

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 is reporting a inaccurate account on my report. I have disputed it several times and it constantly reports. I have contacted the XXXX XXXX and all of the reporting agencies.

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