BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX XXXX XX/XX/19 15 U.S. Code 1666 - Correction of Billing Errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additionalclarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty daysbefore the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.

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 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2020-01-14
Company: CURO Intermediate Holdings
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
The company was deceitful in making me pay this already discharged Bankruptcy debt by making me believe that I still actually owed them for this debt that dated back to the year of XXXX. Besides the age of the debt, this debt was completely discharged by the United States Federal Bankruptcy court on XX/XX/XXXX and therefor I legally have no further owed obligation to repay a discharged debt as a result of my recent chapter XXXX bankruptcy filing done on XX/XX/XXXX at the XXXX, CA Federal Bankruptcy Court. Speedy Cash made it seem as if I paid this debt that they still are illegally claiming that I owed to them despite the fact that I had filed for bankruptcy, that they would give me a new loan once it was paid. They deceitfully lured me into making this payment to them thinking that I would be approved for a new loan from them for a much higher dollar amount, but instead, after I had made the payment to them, they conveniently denied my request for a new loan, and in fact, also told me that now I had to wait 60 more days before I could even re-apply at all. They not only lured me into paying off an old discharged bk debt, but they deceitfully did it and lied to me about being able to get a new loan from them afterwards if I had re-paid this discharged debt. Now they also not only deny this loan, but make it so I cant even re-apply for 60 days. Also, when they denied me I was not given any reason for the denial after I was told that this loan would be approved. Instead I get an email the next day that states that I was denied due to information they received not from a credit reporting company but a different unnamed source that has nothing to do with credit reporting bureaus etc This company was deceitful, dishonest, and preyed on my vulnerability. The next step is to file a complaint at my local court, and possibly at the Federal Bankruptcy Court for my region as well, if this not resolved at this level.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This letter is being sent to you in response to you reporting the aforementioned account on my credit profile with the credit reporting agencies. 
This is not a refusal to pay, but a notice that your claim is disputed. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you claim that I owe you. I am requesting proof that : I am indeed the party you are asking to pay this debt ; the date of the alleged medical service ; the name of the patient ; and proof that there is some contractual obligation that is binding me to pay this debt. 
Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. 
APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. 
The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 
Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. 

Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of, or verifying of this account on my credit reports. 
I require compliance with the terms and conditions of this letter within XXXX ( XXXX ) calendar days, or a complete withdrawal, in writing, of any claim. 
In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX  and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of New York medical privacy rules . 
I also hereby reserve my right to take private civil action against you to recover damages.

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 2022-06-17
Company: Majority USA, LLC
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
re : Majority Banking ( https : //www.majority.com ) On XX/XX/2022 Majority sent me email that my account will be closed on XX/XX/2022 and I should " ensure that you bring your balance to {$0.00} prior to the above date ''. I used my Majority bank account to pay off part of the balance on my XXXX XXXX credit card. 
The attempt by XXXX XXXX to pull funds on XX/XX/2022 was rejected due to " account closed ''. This resulted in retuned payment fee in the amount of {$39.00} added to my XXXX XXXX credit card balance and a negative mark on my record with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: EQUIFAX, INC.
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are 4 XXXX  XXXX XXXX error 30 day late payments reporting XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX which need to be updated to on time. Due to XXXX XXXX Error payments were made on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: EQUIFAX, INC.
State: MD
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 noticed that there were inquiries on my report that had n't come from me. I tried calling the companies and they said that I needed to contact the bureaus. I called the bureaus and sent multiple inquiry letters but they refused to investigate and remove the inquiries. They said that the burden of proof was on me and  I needed to contact the creditors. I even contacted the Presidents of the companies via email ( all who had a Representative call me very quickly ) but still did n't get results. I sent 609 letters requesting signed proof that accounts that I did n't recognize that the bureaus are reporting belong to me and each bureau just said  that they were mine but without any form of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
I had a mortgage loan with Freedom Mortgage ( XXXX ) and serviced by XXXX ( XXXX ). The loan was a VA ARM. I refinanced the loan under the VA progrom with Freedom Mortgage to a VA fixed rate in early XX/XX/2014. When the loan was refinanced I had to make an escrow deposit for the new loan. XXXX has failed to refund the remaining balance of {$1300.00} I had in escrow on the old loan. I contacted XXXX companies and have been given the run around with XXXX stating Freedom Mortgage told them to apply the money and Freedom saying there was no information. I am not aware of authorizing either company to do anything with my escrow funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: Source Receivables Management LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Source RM sent me a debt collection letter in the mail dated XX/XX/2021 for an old debt ( time barred ) from XXXX XXXX XXXX in the amount of {$8200.00} dollars. I dispute the validity of the debt and the collection efforts by the debt collector because I believe that it has been 4 years since the last payment was made to the disputed loan account. The statute of limitations under California law to collect this old debt is already in effect and Source RM should stop all efforts to collect it and to contact me about it. Also, I believe that the debt collector is making a threat to me because the letter states : " a negative credit bureau report reflecting on your credit record may be submitted to a credit reporting agency ''. I believe this kind of action is a violation of FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: Bread Financial Holdings, Inc.
State: MO
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:
I was a victim of identity theft in 2017 and several accounts through Comenity Bank were opened in my name. It appears these debts were sold to a third party called XXXX XXXX. I submitted a notarized fraud claim and disputed this with all three credit bureaus and the debt buyer removed all of the accounts from my credit report. In addition, all of these accounts were opened within 30 days of each other which further points to identity theft. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX check, AC # XXXX, XXXX, Amount {$220.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$4500.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX, Amount {$550.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$16000.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$730.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$120.00} This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$650.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$870.00} This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount XXXX XXXXThis account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible.

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 2016-04-28
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received a letter in XXXX 2015 stating my loan was being sold to another mortgage company. I called because I did not know what was going on. I was told the situation did not affect me in any way and that I did not have to worry about payments since it was autodrafted from my account. 
Today, I pulled my credit score and saw that I was 60 days late. Freedom Mortgage refuses to remove the late payment even though I told them I would pay the back payments. They refuse to remove it because they said they have tried to contact me via phone and mail. I have not received either. 
Companies buy and sell mortgages without thinking how it will affect the homeowner. I should not be penalized. I did call when I received the letter. This situation is just wrong.

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 2020-01-14
Company: Williams & Fudge, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Dear Williams & Fudge Inc., WFCORP, WFCARES, Williams and Fudge, or whomsoever may this concern. 

I am responding to your contact about a debt you are attempting to collect. You contacted me twice by email on the same day ; the first email was received on XX/XX/2019, at XXXX XXXX   stating I owed {$5900.00} for an account placed with your office for collections, and again, the same day, XX/XX/2019, at XXXX XXXX, I received a second email for the same account with the amount due {$15000.00}. 
Both emails identified the debt as having been placed with your office for collections and suggested I contact your office to clear the outstanding debt or use one of the various payment methods provided. Both emails contained disclosures that this was debt collection, and any information obtained would be used for that purpose. As of XX/XX/XXXX, I tried contact your office via the direct number provided for the agent, but have yet to receive a call back. I never received the written notice of my option to dispute this within 5 days of this email contact, which was the first contact I received from your company. 

Record that I dispute having any obligation for this debt. If you forward or return this debt to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 

Thank you for your cooperation. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Fifth Third Bank claims I opened an account with them and when I asked for validation of this debt all they send me is statements. Any one can create statements and put anyone 's name and address on them. I have already had this account thrown out of court because the courts did n't recognize only statements as proof of ownership of an account. Fifth Third at that time could not provide a signed authorization from me to open an account, for the courts. Fifth Third says they have sold this fraudulent debt and therefore will not remove from my credit report, but the debt they say they sold is not mine in the first place and they wo n't provide me with the loan authorization that I would have to have signed if I indeed opened this account. I want this debt cleared off my credit from all parties, Fifth Third bank and any and all collection agencies they may have sold this fraudulent account to. XXXX XXXX from this company refused to give me the account number and was very rude to me on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: Conn's, Inc.
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call continuously without leaving a single voicemail. I blocked this individual number after XXXX calls within XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-22
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
In XXXX of XXXX my credit limit was {$14000.00} with 0-5 % usage at a time. In XX/XX/XXXX my credit limit was decreased to {$1600.00}. There has been no history of late payments with the 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 2022-06-17
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: Information is missing that should be on the report

Complaint:
Bank is not able to pull credit report from Experian. 
My account is NOT locked. I can not reach anyone at Experian.

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 2016-02-29
Company: STANDARD MORTGAGE CORPORATION
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I lost my job XX/XX/XXXX and asked my mortgage company to extend my loan one month so that I can stop having to pay them {$37.00} in delinquent fees like I have been doing since XX/XX/XXXX because I get my social security check on the last week of every month. The note is due on the first, but since I fell delinquent XX/XX/XXXX due to my job loss and my social security checks did n't start coming in until XX/XX/XXXX ; I called Standard Mortgage asking them to help me catch up. They said no just like they have done since I opened the mortgage loan with them in XX/XX/XXXX. I can understand them not helping me before when I was working and just had minor problems, but this is a very serious issue because I am forced now to pay the {$37.00} late fee to keep my loan from becoming default. As of today, XX/XX/XXXX I can not make my mortgage payment because I had to use the only money I have to pay for my filing of Chapter XXXX Bankruptcy. As of tomorrow I will be in default on my mortgage simply because Standard Mortgage refuses to help me by restructuring my loan to where I can be current on my payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-22
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OR
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I utilized your agency to file a complaint against Fifth Third Bank. ( case # XXXX ). This problem my dealings with a home loan through this bank. I finally resolved the issue by going to another bank ( XXXX Bank ). to take over the original loan. I am a veteran so recently I have been exploring the possibility of utilizing my XXXX ). I started this process thru XXXX XXXX. According to the XXXX XXXX representative, XXXX XXXX, ( ph # ( XXXX ) XXXX ) with whom I am making this loan application, stated that until recent date the credit report from Fifth Third bank did not contain any negative information about my credit history.. All of sudden XXXX XXXX is sent this fictionalized account of my relationship with Fifth Third Bank! According to XXXX XXXX, this document was sent in an underhanded manner in order to sabotage my XXXX application with XXXX XXXX. This unethical bank ( Fifth third ) is attempting to deny my rights as a veteran to obtain a home loan in retribution to my contacting your agency!

Company response to consumer: Closed with explanation