BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-10
Company: JPL Recovery Solutions
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
numerous calls to fellow past employees, employers and family seeking information about me, they will not state who they are. Asked me to verify my info with out informing who they are and why they want the info. calls daily to many people i do not even know just worked with.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage loan through Quicken Loans. My loan agent was XXXX XXXX, Senior Banker NMLS # XXXX. 

When we began the loan pre approval process I asked if combining my Wife 's income to my income is ok to do. I am a XXXX  XXXX  of a small XXXX  and My wife works part time in the XXXX  of the XXXX. I was wondering if it would work for the XXXX to pay our family in a package with my wife doing some work also. XXXX mentioned that it was not legal and we could not do that. 

I reported back to our financial team at the XXXX  that the lender did not feel it is a good idea to combine what my wife makes to what I make. In order to allow for our family to live close to the XXXX and afford a home the financial team decided to give me a pay raise. They wanted me to find out what was needed in more funds to approve me to be able to buy home near the XXXX. 

On XX/XX/XXXX I text XXXX asking him what a XXXX or XXXX pay raise would get me. He responded with " Quicken Loans can't approve me for any other amount ''. I asked why? If I show the income then I can not be discriminated against. XXXX stated that He believed/it appears to him I was using my wife income not getting a true pay raise. I told him I did appreciate being told I am lying. 

A few days later I went back to XXXX and told him we are wanting to move forward with loan and the XXXX also decided to give me back pay/ bonus because of multiple years of making below the income mark for my position in a XXXX in our city. 

A few days later he told me to have a letter written from our financial team showing the pay raise. I did that. He also stated they need to know where the large bonus came from. I told them what it was and showed proof and a pay stub that it came to me from the XXXX. 

XXXX processed everything and got me approved. He had me pay XXXX dollars to commit. The appraisal was ordered and completed on the home. The next day I get a phone call from XXXX director saying that the fraud department denied the loan. No explanation was given other than they believed I " falsified ' or " inflated '' ( can't remember exact word ) my income to get higher approval. They also called into the question the legitimacy of the back pay/bonus. 

I feel like my integrity, our XXXX integrity, and our XXXX  committee 's integrity has been attacked and we have been victims of discrimination. Maybe its because I am a XXXX or my belief in XXXX, XXXX  XXXX ... I am not sure. But the way I was treated and the denial of a loan after an offer was already accepted on a house, inspections were already paid for and done. My deposit was already given quicken loans ... is thievery in my opinion. The financial loss needs to be made right and Quicken Loans needs to be held accountable for their behavior. I hope this companies protects many others from being victims of this criminal behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CONNS is claiming that I owe them {$2900.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Their are credit items listed on my credit report. This is a second request to have them removed. 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 2018-12-06
Company: Resurgent Capital Services L.P.
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: Information belongs to someone else

Complaint:
THIS ACCOUNT WAS OPENED FRAUDULENTLY. THIS IS NOT MY ACCOUNT. 

XXXX XXXX XXXX Opened XX/XX/2018 - {$610.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX  ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: RFNA, LP
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I would like to file a complaint on Republic Finance. The loan was taken out in XXXX. I paid the company up to the amount that I owed, and they took money out of my account. They have a lot of hidden interest rates that exceed the money you borrow. The loan was closed on my credit report and was recently sold to another lender, once I filed my last complaint causing my credit score to decrease. It is now XXXX. The account should be removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
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: Information belongs to someone else

Complaint:
Transunion failed to positively verify the accounts and has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed..CFPB remove the accounts listed XXXX  ( ORIGINAL CREDITOR : XXXX XXXX ), XXXX XXXX XXXX ( ORIGINAL CREDITOR : 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 2018-04-23
Company: M&T BANK CORPORATION
State: MI
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:
XXXX  shows i have 4 collections which is only 2 because of duplications. 
Thanks for your 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 2021-05-03
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed this collection on my credit reports. I tried to contact them regarding proof of debt because I have no knowledge of this account and I don't use this service provider.

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 2018-04-25
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Really dont know who is this bank, is. And if this was my account and don't remember it's very old and want it off my credit report, over 20 years old

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: Advance America, Cash Advance Centers, Inc.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Asking Advance America to work with debt relief company XXXX XXXX XXXX about negotiating a solution for a payment plan. XXXX  XXXX is handling my debt problem and all phone calls need to directed toward XXXX XXXX XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
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: Old information reappears or never goes away

Complaint:
theres an account from XXXX XXXX  that was legally disputed and removed of my credit report more than 4 years ago. now reapear back on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
cra violation inaccurate information sent to ftc equifax breach po report sent to all bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: Shellpoint Partners, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Shellpoint Mortgage company is overcharging me fees. I have been trying to resolve this past discrepancy with the amount they say I owe. I have not fallen 60 days behind but they have been charging me fees which makes it appear that I owe several months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: EQUIFAX, INC.
State: AZ
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 expect the credit agencies to do there job and abide by my written request in the letter enclosed they need to give me the information requested or delete the file by law

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: CORELOGIC INC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone was suppose to handle this situation, but it was never resolved.

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 2019-03-26
Company: Experian Information Solutions 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:
The information showing below is falsely reporting on my credit. 

1 ) XXXX XXXX Acct XXXX XXXX -- - {$XXXX} 2  ) XXXX XXXX XXXX Amount {$XXXX} I   complained to the FTC. My FTC Complaint Report # 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 2021-05-06
Company: Winklevoss Exchange LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I opened an account with Gemini trading app and bought a digital currency trough their app. They even took the money out of my bank account. And after taking the money out of my bank account, they just desactivated my account for no reason. I emailed them several times but no answer and I cant widraw my money either. I have {$1000.00} in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: BAY VALLEY MORTGAGE GROUP
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: Credit inquiries on your report that you don't recognize

Complaint:
There is a hard inquiry showed on my credit report made by Bay Valley M on XX/XX/2018 that I do not recognize. I never applied for any type of loan from this institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: Flagstar Bank, N.A.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Please see my letter to Flagstar Bank below. They are either incompetent or deliberately trying to get people on forbearance to foreclose. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX -- - Flagstar Bank Loan # XXXX Today we received your letter dated XX/XX/XXXX saying my hardship mortgage modification application is STILL incomplete even though I uploaded EXACTLY what XXXX told me to send on XX/XX/XXXX. Today, XXXX in your hardship department asked me to write this letter explaining my income. 

I am a XXXX XXXX. I am paid at the end of each transaction which are few and far between due to the Covid Pandemic. This is not a regular paycheck, and it comes when a house closes. This should not be news to the home mortgage industry. 

Your application requests a monthly income amount. Due to my income being unpredictable, irregular, and varied in the amounts, I averaged my total income for XXXX and divided by 12 to get the {$1600.00} per month and I put on the application. Makes sense, right? Right? 

Today, XXXX belatedly informed me ( after you terminated my application on XX/XX/XXXX ) that you are looking for the income from the application to exactly match the last 90 days of bank statements. This is news to me even though I have been in constant contact with your Hardship Department for weeks. No problem. {$4700.00} from one transaction in XXXX and ZERO from XXXX and XXXX, divide by three and we get {$1500.00}. 

PLEASE if you do not understand this CALL ME. XXXX I know you have the number. 

I have turned in every document, check stub, bank statement, letter, P & L, I will give you my shoe size if you ask for it. 

Your many letters advising me of an incomplete application are taking over a week ( sometimes two ) to reach me and come whether I turn in the documents or not. Why dont you ask for everything at once, on one letter at the beginning of the application process instead of looking for it piecemeal at the end? You could have asked for this particular thing when I first uploaded the bank statements back on XX/XX/XXXX. Why wait 21 days and do it in excruciatingly slow snail mail? 

When a document missing or not good enough why wait until its too late to ask for it in a letter dated XX/XX/XXXX and terminate my application three days later? Do you REALLY want this house back? Now that its worth $ XXXX more than I owe on it I wouldnt be surprised. Maybe the Federal Bureau of Consumer Protection would be interested in these practices. Is it incompetence or something worse like in XXXX? 

CC : Federal Bureau of Consumer Protection, Senator XXXX XXXX, Senator XXXX XXXX Senator XXXX XXXX, Representative 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 2021-05-27
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX  XXXX XXXX have not validate the alleged debt. 
Did not provide HIPPA signed document. 
Sold unvalidated debt to the other collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: TD BANK US HOLDING COMPANY
State: IA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
i did not apply for this card and now there is a inquiry on my credit report, i believe someone stole my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I am trying to link my XXXX  account to my bank account with PNC and PNC won't let it happen. This is the only bank account I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: EQUIFAX, INC.
State: DC
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:
I recently pulled my credit report and noticed inquiries that I didn't authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: Santander Consumer USA Holdings Inc.
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
Santander repossessed my car on XX/XX/26 and I still havent received any notice of repossession letter in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02
Company: Southwest Credit Systems, L.P.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Again this debt appears on my 3 credit reports when it was al ready disputed and removed due to inaccuracy and unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Tried to make a payment plan over the phone, plan was set and accepted, but they supposedly closed my account and i cant access it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
There are many errors on THREE different accounts for Midland Credit Management. One of the accounts is past 7 years and should be taken off my report. The other two accounts have a few errors with balances and open/close dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA violation no knowledge of the fraudulent accounts on my Equifax credit report. FTC ID Theft Report # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Equifax will not remove my ga state paid tax lien from XX/XX/XXXX. It 's been 7 yrs and it should come off. All other credit agency 's removed it with no hesitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12
Company: EQUIFAX, INC.
State: TX
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:
I have recently reviewed my credit report and noticed unauthorized inquires. I then faxed and mailed letters on XX/XX/XXXX disputing these unauthorized inquries. All credit bureaus responded with letters on XX/XX/XXXX, stating that all the inquires were accurate and verified, sending no proof that I authorized these inquries.

Company response to consumer: Closed with explanation