BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
FCRA violations : inquires not mine XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX Potentially negative Date opened XX/XX/XXXX Balance {$290.00} Status Closed. {$110.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$1100.00} written off. 
XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Transferred, closed. 
XXXX XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Account charged off. {$1000.00} written off. {$1000.00} past due as of XXXX XXXX. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX type Single family XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX type XXXX family XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Single family FCRA violations XXXX not my names XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2016-09-17
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
We called the XXXX branch of First National Bank of PA and spoke with XXXX there. 
We explained that we needed {$8000.00} for hooking up to the sewage system that the city of XXXX XXXX had placed in last year. XXXX stated that the bank could extend the existing equity koan for another 6 years and it would increase the amount from {$150.00} that we have been paying to about XXXX. That was not a problem for the low income that we have to budget out. 
Then on XX/XX/XXXX XXXX contacts us to tell us that they want us to go back to putting money into an escrow again. Not only for the property taxes but also for the house insurance. That will make our monthly payments over {$300.00} a month of which the bank knows that it isw more then we can afford. My husband brings home {$2200.00} a month. Do they expect us to buy dog and cat food in order to eat? 
We are NOT remortgaging the house. We are trying to get an extension on an existing equity loan. We have been paying the property taxes and home insurance ourselves for about 10 years now. Then there is something about closing costs. 
We have other bills to pay. Electric, vehicle insurance, gasoline for my husband to get to work and we still have fuel to heat the house for winter. 
XXXX was told, on the phone, that we needed a " low income loan ''. This is her and the banks idea of a " low income loan ''? 
And to inform everyone, I have not called the bank because nothing ever gets done correctly by those that operate the XXXX branch. 
Someone explain to me how something as simple as extending an existing loan turns into almost another mortgage loam that we did not ask for? I should have gone with using another method of paying for all of it IF I knew that the bank would again XXXX. 
I have all the print outs from the bank and will provide copies of them if they are needed for this complaint. Heck, they do n't even have the assessment correct for the property or the house. 
I need something done before XX/XX/XXXX as tnat is when XXXX has it scheduled for my husband to sign the papers. NOT typing in what I told him about that. 
Plain and simple! We can afford that {$170.00} a month but we can not afford over {$300.00} and still be able to pay other bills or buy enough healthy food and heating fuel. 
We need help from outside the bank to solve this problem. 
Ifwecannot get a loan that we can not afford, I will simlpy call the City Treasurer 's office and tell them to contact XXXX and let her explain how things got screwed up since they said to contact her in a letter that the city sent out.

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 2015-06-26
Company: Kinum, Inc., Indianapolis, IN Branch
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
The collector from Kinum threatened to hire and attorney, and would not let me speak. He did not notify me of my right to dispute the debt, and would not let me talk to tell him I do not think I owe this debt. He yelled at me and screamed, refusing to let me talk. He called me at XXXX as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have an erroneous charge on my Barclays credit card. It states I owe {$1200.00} for a convenience check and {$48.00} balance transfer fee charged in XXXX 2022. I did not activate the card or put any charges on it, nor did I use any convenience checks. I called, faxed, mailed ( twice, once certified mail ) my dispute and requested an investigation in XXXX and again in XXXX since no response. I also submitted a dispute online. The phone calls went no where. They kept transferring me to other departments and putting me on hold and then hanging up. Its been month and I have not heard back from the company at all, and my credit score has been lowered because of it.

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 2022-05-17
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:
FCRA violations : inquires not mine XXXX XXXX  Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX Potentially negative Date opened XX/XX/XXXX Balance {$290.00} Status Closed. {$110.00} past due as of XX/XX/XXXX. 
XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$1100.00} written off. 
XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Transferred, closed. 
XXXX XXXXXXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Account charged off. {$1000.00} written off. {$1000.00} past due as of XXXX XXXX. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX type Single family XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX type XXXX family XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Single family FCRA violations XXXX not my names XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was ordered to move from my apartment because of an issue with the complex. The property manager, XXXX, mixed up the information with the collection agency with the information of my neighbor, as she did when I moved in. It was a total breech of contract, because I never received the new appliances that were included in the lease agreement. She stated that I had to move immediately and no clean up cost would be added to my early termination of the lease agreement. Then she added a lot of cleaning fees and false information to the collections department. I can provide a written statement from the police officer that was in charge of handling my eviction.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09
Company: ARVEST BANK GROUP, INC.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I closed on a mortgage with XXXX Mortgage XXXX NMLS # XXXX on Wednesday XXXX XXXX, 2015. My first payment was due XXXX XXXX, however, I sent it in early and it cleared my bank of XXXX XXXX. I then received a notice from XXXX XXXX XXXX Mortgage on XXXX XXXX that they were transferring my mortgage to Central Mortgage Company NMLS ID : XXXX. I received a notice from Central Mortgage confirming transfer, however, they are saying that I still owe my XXXX XXXX payment. I have tried calling them about XXXX different times, however, their phone number has been busy and they have not responded to my email. I find the lack of contact information on their website or any way to contact an actual person to be very deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
Bank Of America XXXX XXXX XXXX XXXX I have tried time after time to get refunded by Bank Of America XXXX XXXX XXXX XXXX. 
I file a complaint in XXXX with Bank of America XXXX XXXX card. 

XX/XX/XXXX Post date Amount {$11.00} XXXX XXXX Membership Transaction date XX/XX/XXXX I  have never applied or used no XXXX XXXX Membership or requested one. 

Bank Of America XXXX XXXX XXXX XXXX Dispute form was mailed out on XX/XX/XXXX and the Denied letter was mail out on XX/XX/XXXX I fax it back to them but was denied before I got the dispute form.

I got the denied letter before I even got the dispute form. They just simply ripping people off. 

I have attach the letters as proof I have call XXXX as stated on the letter left several messages but no reply. 
Number as stated on the letter XXXX Ext XXXX The letter is proof of dates not my wrong info I waited a whole month for the dispute forms it was one lie after another each week I call nothing in the mail and then I get back to back letters and denied before I even get the dispute form and XXXX never answer just get voice mail I have call for over a week and same thing have phone records for proof. He never returns call or nothing have call over and over

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 2015-12-03
Company: Resurgent Capital Services L.P.
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
Lvnv Funding garnished over {$10000.00} on a debt that was aged out in Washington state and that had gone through a mediation that had a class action lawsuit against and the mediation was thrown out. They sent out a number of threatening letters that appeared as official documents. The company sent out lawsuit paperwork that appeared as more of the bullying attempts and did not bear official seals of filing. Then without any further notice stole the money out of my account without warning.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Paypal Holdings, Inc
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 believe that it was a mistake to close my PayPal account. I am using my Paypal account as my personal account and online freelancing since XXXX.My paypal account : XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hopin

g that I will get back my account and able to withdraw my funds. Tha nk you and Godbless. For Identity verification, I attached my Valid ID. Please see attachment.qq

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15
Company: Utah System of Higher Education
State: OR
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
repeatedly calling me at XXXX XXXX regardless of me telling them to stop calling this early. Im not ignoring their calls during other times of the day. tTey never call during the day.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: PENTAGON FEDERAL CREDIT UNION
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have several outstanding issues that remain unresolved with my PenFed accounts. 
1. My auto loan title thing remains unresolved. I had previously sent the original title as requested by PenFed. Then when they lost that, I sent a copy. They did n't accept a copy so I had to get a duplicate title which they 've now acknowledged receiving but the issue is not yet put to rest. This was the subject of a previous complaint. 

2. My first mortgage loan still has mortgage insurance on it. This was the subject of a previous complaint - PenFed agreed to remove the mortgage insurance once an appraisal came back with a value that put the loan to value ratio below 80 % ... which has been done but I am still being charged MI. 

3. My home equity line of credit application is still in limbo. 

4. I was charged twice for the appraisal. I was promised a refund but this has not yet materialized. 

5. My application for an XXXX XXXX travel points card has not been processed. 

6. My overdraft line of credit is not linked to my checking account rendering it useless.

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 monetary relief
Consumer complaint received 2022-05-17
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I've sent a complaint through CFPB to resolve the dispute. XXXX XXXX XXXX Account XXXX XXXX. 

I received a response from the company. They stated that the account was 100 % verified to me through the mail. I found inaccurate information with this. 

Nothing can be verified to me if there's in correction misspelled to my government name. I have the confirmation # for this letter ( XXXX ), company name Equifax and Credit file : XX/XX/XXXX. 

Again, I hope we can resolve this issue. This paid collection that's been on my report since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
Transunion is reporting a bankruptcy on my credit report they have put in the data furnisher as been the XXXX XXXX XXXXXXXX XXXX which is false i have attached a letter from the U.S. bankruptcy court of XXXX XXXXXXXX XXXX verifying and stating that they do not furnish information over the credit bureaus or any credit monitoring service nor do they verify validate any information concerning bankruptcies. Transunion is falsely stating this information on my credit report and have yet to remove this from my credit report. i sent them my credit report showing that the information is inaccurate on all three bureaus im not sure who's right, It has been removed from XXXX XXXX also.

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 2017-01-18
Company: Experian Information Solutions Inc.
State: RI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Hi, My name is XXXX XXXX XXXX. My address is : XXXX XXXX XXXX, XXXX, RI XXXX.My date of birth is : XX/XX/XXXX.My social security number is : XXXX 0n XX/XX/XXXX I reported to the credit bureaus that I did not authorize the folowing banks and financial institutions to pull Hard Copy inquiries from my credit report. I also told the dealership not to run my credit with any other banking institution for credit on our new vehicle, I only gave permission only from " XXXX XXXX XXXX '. I told them if their financial institution which is " XXXX XXXX XXXX '' could not finance us, then I do not want to buy the vehicle. I was informed by my sales Representative XXXX, that my credit would not be sent to any other financial institutions. But to my suprise, I found out later that, that was a lie. When I pulled my credit report it had so many more Hard Copy inquiries pulled from the following instututions and banks : -Here are the detail of the hard pull inquiries which Exparian ) are 1.XXXX XXXX XXXX XX/XX/XXXX 2.XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4.XXXX XX/XX/XXXX 5.XXXX XX/XX/XXXX ). I did not give permission to run my credit from all those instititions and banks except " XXXX XXXX XXXX '' who financed the vehicle for us. I wrote the dealer and they did not respond to my request for them to contact the financial institutions and have them to remove those unauthurized inquiries of my credit report. These inquiries are hurting my credit and me and my husband have put off building a home due to these inquiries. I have given them more than enough time to remove these inquiries and they have not. I like all these banks and institutions remove these unauthurized inquiries. Anything you can do to remove these from my record would be greatly appreciated. Again thank you so much 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 2016-10-07
Company: Radius Global Solutions LLC
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been receiving phone calls from this company trying to collect a debt on an account that 's been closed. The people that call speak broken XXXX, when I ask where they are located they hang up or say " we ca n't hear you ''. I am attaching a document to show this account was closed

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 2015-07-12
Company: Radius Global Solutions LLC
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received correspondence from Central Credit Services LLC dated XXXX XXXX, 2015, XXXX XXXX XXXX about a debt to XXXX for {$110.00}. I had no idea that I owed this, as this was the very first thing I have received about this debt. In this paperwork it stated that if no payment was made that this would be reported to the credit bereau in 45 days. I made one payment on XXXX XXXX, 2015 for {$25.00} and was just about to make another payment when I received an alert from XXXX XXXX which alerted me to this being reported. This should have never been reported since I made a payment before the 45 day period had ended. I contacted this collection agency twice about getting this removed from my credit reports and both times I was denied. I paid the balance owed on XXXX XXXX, 2015 which was {$94.00}. My point here is I made a payment before the 45 day period ended and if you really want to get technical I paid the entire balance within the 45 day period. 45 days from XXXX XXXX is XXXX XXXX. I feel I am being treated unfairly and I would like this removed from my XXXX, XXXX & XXXX reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation