BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-25
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Date of loss : XXXX/XXXX/XXXX Total Damages : {$3200.00} On XXXX XXXX XXXX I was driving on a freeway name XXXX XXXX or XXXX East bound I aproached the intersection of XXXX and XXXX and stoped at a red light. I was in the second line wich was a either or opcion to continue straight or make a legal right hand turn. So when I had a green light to continue I began to make a right hand turn, as I was turning I saw a car go by me but by the time I stopped I felt that the car had swiped the right hand side of the service vehicle that I was driving. It was a individual that was not suppose to continue straight, because that was a right hand turn XXXX XXXX. When police arrived no parties were cited due to the lack of witnesses, the person that caused the accident is a customer of XXXX XXXX. This is the second time that they are making an illegal attempt to collect the amount shown above. There is no judgement from any court that make this legal of makes me liable for the damages. This company XXXX XXXX Department located at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, IL XXXX Phone ( XXXX XXXX XXXX Fax XXXX XXXX XXXX They are making treats of having my license suspended and garnishing from my bank account. I made contact with them and explained the details of the accident in wich I was involved and they refuse to acknowledge the fact that XXXX XXXX XXXX was the person who caused the accident.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX has taken these actions on my credit report after I filed for a complaint. They reported late payment on the disputed Charged off Closed account as vindictive act without responding as I have filed a complaint with FCRA and provided a copy of all mistakes they have reported on my credit report and according to the rules and laws their reporting has to be 100 % accurate the dates are not accurate the type of loan reported not accurate the The balance and the amounts are not accurate as they received from the Gap insurance their money and reported XXXX balance to Transunion took tax credit by their reporting fraudulently without claiming the money they received to continue receive Tax credit with Charged off now you want to claim late payment on Closed account? REALLY? I will sue you all for slandering my credit You are to remove and delete your slander immediately. 
There is a complaint filed with the XXXX and this account has been disputed You reported that I have never disputed your fraude and your bullying is only good for a good court case! and this should go public so everyone else who you are bullying should know about your corruption! 
I have attached their late payment XXXX late payment on closed account that is false!!!! they you go another false statement. 100 % accuracy which you failed cause a liar can't tell truth! 

See attached evidence for false reporting which is grounds to for immediate deletion

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 2018-11-30
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a letter from a XXXX XXXX XXXX XXXX XXXX. saying that I owe them {$14000.00} on behalf of Fifth Third Bank. As Ive already explained umpteen times to Fifth Third, the charges that make up this balance ARE NOT MINE!!! I will not pay a penny of this because I do not owe this. They said to write within thirty days if this debt is invalid. So this is my letter and the CFPB is my witness. The debt is invalid!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Credit reports are showing a Chapter XXXX bankruptcy ... .new law as of XX/XX/XXXX,2017. This information is n't all there and should be immediately deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: Experian Information Solutions Inc.
State: MA
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 disputed a charge at the end of my lease. The lease holder was XXXX XXXX. While in dispute, I continued to try to contact both the auto dealer and the leasing company. I did not get a satisfactory answer from either, and as a result chose not to pay the bill. XXXX and the XXXX dealership basically ignored the complaint, and I finally surrendered and paid the invoice. 

To my shock, this negatively affected my credit rating severely, which will have a material effect on my ability to borrow. My rating was approaching XXXX, and this tiny issue of less than {$400.00} dropped the rating to 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 2018-11-30
Company: Experian Information Solutions Inc.
State: CA
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:
Accounts XXXX XXXX, XXXX/XXXX   XXXX were never past due, i never made a late payment to this company ever. I wrote dispute letters to the credit bureaus but they could not even help me, they wont even tell me why they wont reverse the late payments

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Accounts XXXX XXXX, XXXX/XXXX   XXXX were never past due, i never made a late payment to this company ever. I wrote dispute letters to the credit bureaus but they could not even help me, they wont even tell me why they wont reverse the late payments

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 2017-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Credit reports are showing a Chapter XXXX bankruptcy ... .new law as of XX/XX/XXXX,2017. This information is n't all there and should be immediately deleted

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 2022-10-24
Company: UNITED BANKSHARES, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had a checking account in this bank for over 30 years I set up a automatic payment for a life insurance policy that I decided to cancel the insurance company refused to cancel it before I even made the initial first payment which really was the second payment being the first payment was only a XXXX the bank refused to cancel the automatic payment before the payment was due they stole {$64.00} and change after I took {$400.00} out of the account to reduce it below the cost of the first insurance payment which was {$110.00} instead of them going for insufficient funds they stole the {$64.00} and change out of my checking account put on a XXXX and change thinking that they were going to XXXX it out of my social security check I canceled the social security then they canceled my account I wanted the account reinstated they sent me a {$210.00} check because I turned them into the XXXX XXXX XXXX apparently they told him they were wrong they canceled my account refuses to let me have my account back I didn't make the mistake they did I want to account reinstated I have no ID I don't want an ID and I'm not paying for any government IDs that I do not need! 
Sincerely, XXXX XXXX XXXX if you need any other information please contact me at XXXX XXXX XXXX and please do not let this number get out and do not give it to this Bank I'll just get more harassment thank you.

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 2022-10-25
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I applied for a Home Depot credit card through citibank online and used my card in store with my ID in XX/XX/XXXX. I tried to get an increase so that I was able to purchase an oven but citibank refused and stated i needed to verify my identity which i did with the rep that I was sitting in front of in the store. The rep on the phone proceeded to tell me that my phone has to be in my name in order for them to text me and verify me. My phone is in my business name. Everyone does not have their phone in their name for various reasons so how dare them. So, I've received my card in the mail, various coupons but no letter from citibank. These people have continuously lied to me about sending correspondense and saying they will call my phone and they never do. They are intentionally sabotaging me. I have connected my bank account to my home depot card and even paid my first bill but they didn't stop that now did they. They took my money perfectly fine. I have verified my identity with several reps at Home Depot and they said that is not good enough. Then today XX/XX/XXXX a representative proceeds to tell me that they will send the XXXX letter to my address, not what i signed up with but the XXXX has. Excuse me, my address is listed on my credit report. This has been nothing but harrassment for a measly {$500.00} credit limit. This is the worst card ever and I do not recommend any one apply for this card.

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 2022-10-25
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received notice to pay a medical bill for XXXX XXXX  back in XXXX. I paid the entire amount owed on XX/XX/22 in the amount of {$310.00}. I continued to received collection notices from XXXX into XXXX, ending with a XXXX notice and threat to send to collections. I called them on XX/XX/22 to let them know I had already paid, online through the XXXX portal on XX/XX/22. They called back on XX/XX/22 and left me a message that they received the payment. On XX/XX/22, I receive a debt collection notice from Transworld Systems , Inc for this debt to XXXX. I called TSI on XX/XX/22 and explained that I had paid this on XX/XX/22, they said XXXX will send an update about payment and they will close this out, but they have not yet received that update. I called XXXX on XX/XX/22 and left a message for a call back from a live person to discuss the incompetence with my account and that this must be resolved immediately. XXXX clearly has an incompetent billing department having sent 5 notice to pay after I had already paid the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Flagstar Bank, N.A.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I opted to have an escrow account on my mortgage so I did not have to worry about the tax and insurance payments. I did not have to have one as my down payment was greater than 20 percent. Within one year my mortgage was sold by XXXX XXXX Mortgage to Flagstar Bank, but not all of the details were taken care of and my insurance policy to XXXX was not paid for more than a month. I would not have known about this problem were in not for XXXX sending me a reminder. When I logged into Flagstar there was a hard-to-find obscure reference to me not having an insurance policy in place and the threat that they would sign me up for potentially more expensive coverage. I paid outright for renewal, wanting no further delay, and now they will double pay through escrow. I asked Flagstar to remove me from escrow and they will not without a hefty fee This is criminal. In fact, it is against the law in many states. I told them they should let me cancel the escrow account without penalty due to their mistake. They refuse. This business of buying and selling mortgages is a nightmare for mortgagees. There should be more oversight of this process, and more penalties for these institutions that mistreat customers. As an aside, this bank also waited to the very last minute to pay my city taxes, causing great anxiety. There clearly is no benefit to me having an escrow account when they threaten my credit worthiness in these ways.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: The J. G. Wentworth Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
This is now my second complaint with the CFPB and I am shocked that no one cares to try to fix my problem. I thought the CFPB had some power to protect the consumer. I am very disappointed in this process. 

I am have in contact with J.G. WENTWORTH home leading since XX/XX/2018 and have been ignored, disrespected and made to feel worthless. 

J.G. WENTWORTH screwed up at closing and I am now forced to pay an additional XXXX a year and they said it was bc of taxes. That's a lie. Taxes are not allowed to go up that much in a year California law article XIIIA of the state constituon commonly referred to as prop 13. 

They are not helpful and condescending. I am tired of calling 100 times  and not getting anywhere. 

I have now found another person who J.G. WENTWORTH also XXXX   up with and forced them to change an already signed CD bc they left off PMI and threatened not to fund. 

These people are scum bags. I have contacted by 3 different dispute resolution employees, 3 managers and VP of the entire department to have almost zero movement. The VP was condescending and flat out lied to me on recording and in writing. 

I WANT RESOLUTION, NOW!! I AM TIRED OF THIS XXXX!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX has taken these actions on my credit report after I filed for a complaint. They reported late payment on the disputed Charged off Closed account as vindictive act without responding as I have filed a complaint with FCRA and provided a copy of all mistakes they have reported on my credit report and according to the rules and laws their reporting has to be 100 % accurate the dates are not accurate the type of loan reported not accurate the The balance and the amounts are not accurate as they received from the Gap insurance their money and reported XXXX balance to XXXX took tax credit by their reporting fraudulently without claiming the money they received to continue receive Tax credit with Charged off now you want to claim late payment on Closed account? REALLY? I will sue you all for slandering my credit You are to remove and delete your slander immediately. 
There is a complaint filed with the XXXX  and this account has been disputed You reported that I have never disputed your fraude and your bullying is only good for a good court case! and this should go public so everyone else who you are bullying should know about your corruption! 
I have attached their late payment XXXX late payment on closed account that is false!!!! they you go another false statement. 100 % accuracy which you failed cause a liar can't tell truth! 

See attached evidence for false reporting which is grounds to for immediate deletion

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: CL Holdings LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a letter from a XXXX XXXX XXXX , XXXX. saying that I owe them {$14000.00} on behalf of XXXX XXXX XXXX. As Ive already explained umpteen times to XXXX XXXX, the charges that make up this balance ARE NOT MINE!!! I will not pay a XXXX of this because I do not owe this. They said to write within thirty days if this debt is invalid. So this is my letter and the CFPB is my witness. The debt is invalid!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-30
Company: AMERICAN EXPRESS COMPANY
State: PR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
AMEX will not provide me the truth in lending documents I signed to initiate the loan. I need these for a mortgage I am closing on. They claimed they are available on the online access through the home page of the loan ( in the top right corner select this account ), middle of the page " view loan documents '' and then it should be an option there. It is not. They do not believe me it is not there, and I have offered to give them my log in, and check for themselves. I also requested an email I can forward a screen shot or a video of me going to that location and the documents not being there. 

I requested by chat and phone that the truth in lending documents simply be emailed to me. I was first told no, that is against policy. Then, I was told they would check with the manager and get them to me. This was several weeks ago and they still have not got them to me. I have used every single link online. It simply does not work. 

I need these sent to me electronically by email ASAP. Or the loan needs to be forgiven.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-13
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I contacted experian on Tuesday XX/XX/XXXX 2017. Regarding incorrect information on my credit report and was told they could not remove address that were not mine nor names. Experian credit file does not match the other 2 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
Consumer complaint received 2022-12-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Equifax received notification via FTC report of misreported information and all supporting documentation in regards to company XXXX XXXX XXXX XXXX XX/XX/2022. This company also has received action by CFPB for their fraudulent practices. However Equifax did not respond and continues to furnish this inaccurate and fraudulent information on my credit report. Documented calls into XX/XX/2022 Equifax ask to resubmit disputes just to further delay process of investigation even when they have everything on file. 

Their failure to positively verify these accounts has hurt my ability to obtain credit and should be held accountable just as XXXX XXXX services. Unverifiable accounts must be removed if they are unable to provide verifiable proof which they have not under FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
This record serves as a complaint against Cardinal Financial NMLS XXXX, loan officer XXXX XXXX NMLS XXXX and specifically his manager XXXX XXXX NMLS XXXX. I was initially locked in for a conventional fixed 30yr mortgage at 4.125 % with 15 % down payment. The points for the loan were waived at this time. A few days before closing the company sent a disclosure for interest rate of 4.250 % when I increased my down payment to 20 % to avoid PMI. The company also charged me for points where I had to pay an extra {$340.00} after waivers. They even asked me to sign the disclosure for the 4.25 % interest and then they would fix this issue. Mutiple calls were made to the loan manager who did not return voicemails to explain the issue. The company increased my interest rate after loan lock in, coercing me sign disclosure so I would not loose my deposit just 3 days before closing. This issue was not fixed until I threatened to make a complaint and to sue them. I still had to pay an extra {$340.00} for loan points when they were initially waived. I had to do this so I would not loose my deposit for the house coercing to sign inaccurate closing disclosures. I have proof of all the disclosures. I had to extend my closing date and they even charged me an extension fee. I perceived that the loan manager XXXX XXXX NMLS XXXX showed ethnic bias.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation