BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-16
Company: Hatfield Portfolio Group LLC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
The call came from some company called XXXX XXXX XXXX, XXXX. They left a voice message the other day trying to reach my daughter.I have no idea what my daughter may owe, but this company called me again this morning at XXXX, central time, while I was driving..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: CONDOR CAPITAL CORP
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
In the year XXXX got a financed car and to have a new credit I approved a financial in New York by " Condor Capital " always pay my payments a day, but already for XX/XX/XXXX that vehicle sold and when approached the payment date call the financial to notify you the cause of the late pay of my payment for that month they told me that I would put a note in the system, next month still Bank that would finance you vehicle to whom I sold it had not approved the loans but had asked the news who had my loans, that gave them to understand I knew that there was a process of actual sales. The process of closing hard 3 months because it was a personal loan was paid entirely to my Bank and my complaint is that they I reported on my credit late pay for the 3 monts XXXX and think not just because knew the situation and was to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: WESTERN UNION COMPANY, THE
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I want to file a complaint for deception, waste of time, and deceptive practices of Western Union. Today through the application I needed to send money to my niece who lives in XXXX to buy an air ticket. and after 2 hours of delays and problems, a Customer Service Agent finally authorized the transaction and tricked me by telling me that in 2 minutes he would send me the information in writing by email that the transaction had already been made. However, in just 1 minute they sent me the cancellation, that's how I made the XXXX phone call to tell me that they couldn't give me any explanation. Meanwhile my niece waiting and they did not solve anything for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-13
Company: Diversified Consultants, Inc.
State: NH
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 moved to XXXX XXXX, GA in XXXX XXXX. I had XXXX as my mobile service provider. I rented a home at xxx XXXX XXXX, XXXX, GA ; a location not serviceable by XXXX. After XXXX Corporate confirmed this lack of coverage they were willing by their policy to cancel my account.I paid the account in full for service used to date of cancellation. They also asked that I give them my new I-phone as part of their cancellation while still under contract. It was not their phone, acquired elsewhere, but I turned it in. I began service with my family through XXXX XXXX whose service reached my XXXX address. A few months later and to my surprise I received a bill from XXXX for XXXX. Upon inquiry I am told the bill was for " breach of contract '' because I did not turn in the other XXXX phones we had, very old and outdated phones. I went back several times to XXXX service dealer who told me to disregard and had spoken to Corporate. This is same office location in XXXX where I cancelled the XXXX service confirming we lived outside coverage area. 

I ignored the bill waiting for a letter of correction. I then received a call from a collection company demanding the amount of XXXX. I explained that this amount is NOT for cellular service not paid, but penalty charges for not giving them my other phones beyond my I-phone I gave them. He then got on the phone with XXXX Corporate after telling me this should not be sent to collections, and that this is not a valid bill. I received a call from Corporate office ( its now XX/XX/XXXX ) and told the account would be closed and XXXX out with their apology as NO ONE asked for my other phones beyond my phone back in XXXX XXXX, and I also only received XXXX return box. 

By XX/XX/XXXX I stopped hearing from XXXX altogether. I had not received ANY written communication to my knowledge since. However, a recent credit report shows me in " collection '' for XXXX with a new debt collector company. I filed a dispute with XXXX XXXX but amounted to nothing beyond showing the amount is in dispute by me, consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I am XXXX XXXX XXXX that works for a company that helps victims of ID Theft to clear up fraudulent matters. I obtain a Limited Power of Attorney in order to help these vicitims clear up fraudulent matters. I disputed an account last year with USAA for one of my members. We were advised last year the account was cleared. This year it got sent to collections. After spending more than three hours on the phone USAA advised today the account was in a charge off status not a fraud status. I tried to work with the fraud department today to see if we could get the status corrected. USAA could verify my POA On file, but insistied they would not talk to me unless I provided my PERSONAL social security number and date of birth for verification purposes. I told them I was not related to the member, this was n't my account and for security purposes I was not comfortable giving them my social. They said I had to, so I made up a number and told them I was doing so. Then they tell me they have access to background information and the number did not come back as valid and they would not talk to me. I never authorized them to check background information on me. I never authorized anything. I cant believe for security reasons a fraud department is asking for social security number of PROFESSIONALS not financially obligated to the account. This needs to be stopped and now we ca n't resolve a fraudulent account which is against FAIR DEBT COLLECTION Practices and their regulations because I wo n't give my social. The client, is hard of hearing and ca n't speak. HIs wife, handles all the financial affairs. They wont talk to her either. The member signed a power of attorney so that I could help him and I cant. I went to XXXX at USAA dept supervisor and she refused to find a different way to resolve this.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a personal check from my mother into my Chase checking account on XX/XX/2020 in person at a Chase Bank in XXXX, Texas. The teller informed me that the funds would be available to use on XX/XX/2020 and this XX/XX/XXXX date was reflected on the receipt of deposit that was provided to me by the teller. 

Those fund are still on hold as of XX/XX/2020. On this date I called Chase Bank and spoke and was informed it would be on hold until XX/XX/2020. My mother informed me that the fund have already left her account. Further, my mother gave my sister a check for the same amount. My sister deposited her check on a later date than me and her bank, XXXX XXXX, has already released the funds in to her account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Hello, My name legally changed in 2015 and the credit reporting agencies refuse to accept the court order and make the change to the credit report ( The previous name must not be disclosed, per court order - more than five years after the change ). This has resulted in a denial of credit because of lack of a credit history and a fraud alert on my account. 

They have stated that they will not change the information unless it comes from an original creditor, but this is false credit reporting because it is my history, my former ( birth ) name, and my new ( legal ) name. 

One of them did finally agree to make the change, but still sends my information in the former ( birth ) name AND when it did reflect the new ( legal ) name, they included a middle initial. There is NO MIDDLE NAME/INITIAL.

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 2022-06-03
Company: FIRST CENTENNIAL MORTGAGE CORP
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
-In XXXX of XXXX I requested a forebearence from my loan servicer First Centennial Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX IL My loan is backed by XXXX XXXX  XXXX My business had been shut by city ordinance due to covid. 
XXXX of XXXX I was prepared to begin repayment. The lender indicated I could get a modification but firsts had to go through a trial period for three months.

-I received no paperwork XXXX XXXX XXXX the trial period begins with the first of what I was told would be 3 payments of {$1400.00}. 
XXXX XXXX I made 3 calls, XX/XX/XXXX I made one call, and XX/XX/XXXX I made one call to the loss mitigation department of First Centennial all for request documents explaining the terms of modification. and was told paperwork was " on it's way '' -These payments were made from XX/XX/XXXX and are currently still being made with the most recent XX/XX/XXXX. 
- I never received paper work confirming or explaining the terms of modification which began on XX/XX/XXXX -Have made a total of 17 phone calls to this company since XXXX of XXXX requesting documents for loan modification. 
-I called and requested an escalation of my account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
XXXXI have receved no call back and no answers where my modification paper work is form the trial that began on XX/XX/XXXX -I have received a letter from First Centennial mortgage date XX/XX/XXXX Indicating I am now in default. 
XXXX XXXX XXXX I made another phone call to the loss mitigation department to inquire about an update.

-First Centennial is requiring I pay a lump sum of {$21000.00} although my forebearance due to covid began before XX/XX/XXXX. 
-My Forebearance due to covid began XX/XX/XXXX -This lender has given me until XX/XX/XXXX to pay this lump sum and cure this default. 
-This lender has indicated in a letter " The nature of your default is the failure to make the monthly payment from XX/XX/XXXX to XX/XX/XXXX. '' -My Bank Account indicates money has been paid to this company. Over {$14000.00} has been been paid. 
-I have also indicated to the lender the modifyed payment amount is in excess of my original loan payments and received no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2015-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am recently divorced. My ex-wife and I both purchased automobiles through XXXX XXXX XXXX on our own individual cognizence without involving the other party. XXXX of these debts show up on my credit report. She is responsible for her own debts in the settlement order. The load she made at XXXX is the responsibilty of XXXX XXXX alone. Please tell me how to get this removed from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
filing a compliant against Synchrony Bank paypal credit. They have been harressing me for months thru e-mail and mail. Paying them {$50.00} on the fifth of each month. On a fixed income. Can hardly pay this. They continue to e-mail me and send me mail all month long. 

They have to accept the {$50.00} because I can not pay them anymore money.

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 2020-10-06
Company: The Phoenix Recovery Group
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted the collection agency to pay off the debt to erase the derogatory mark off my credit report. The collection agency reported that the amount I owed was more than the final statement I received from the original company. I disputed the debt owed with the credit bureau and the results were that the collection agency reported that the balance is being reported correctly when in fact it is more than what I owed the original company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit card
Issue: Advertising and marketing

Complaint:
I applied and got approved for USAA XXXX World MasterCard. It came with a {$200.00} statement credit offer if I make XXXX purchases by XXXX XXXX, 2016. After I made XXXX purchases, I called USAA customer service to check when the statement credit will be issued. USAA denied the existence of this offer

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-03
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: Reporting company used your report improperly

Complaint:
I sent letters of on XX/XX/2002. My tracking numbers from XXXX are XXXX # XXXX, Equifax # XXXX, and XXXX # XXXX, to remove personal information that I do not want on my credit report. According to the Fair Credit Reporting Act 15usc 1681, I have the right to privacy. Also according to USC 6802, No financial institution is suppose to share my information to any third party. 

These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
I sent letters of on XX/XX/2002. My tracking numbers from XXXX are XXXX # XXXX, XXXX # XXXX, and TransUnion # XXXX, to remove personal information that I do not want on my credit report. According to the Fair Credit Reporting Act 15usc 1681, I have the right to privacy. Also according to USC 6802, No financial institution is suppose to share my information to any third party. 

These are clear violations of my federally protected consumer rights.

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 2021-01-02
Company: EQUIFAX, 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:
On XX/XX/2020 I filed a complaint with CFPB in reference to a tradeline on Equifax which was reporting on my file multiple times ( 4X ) with XXXX XXXX XXXX Account number XXXX. Equifax responded to my complaint on XX/XX/2020. According to my Equifax report this tradeline was deleted from my equifax report as of XX/XX/2020 as you can see from my equifax credit report attached to this file and my XXXX XXXX report on XX/XX/2020 and my XXXX XXXX report on XX/XX/2020. As of XX/XX/2020 Equifax reinstated this tradeline without sending me a 5 day notification. This is clearly a violation of FCRA section 611 : ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: LD Holdings Group, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I just received a call today, XXXX, from someone claiming to be from XXXX, when spefically asked if with government XXXX, the gentleman said yes. The agent proceeded to tell me as part of XXXX his job was to let people know they are entitled to savings due to the type of loan that I had.I was told I did n't need to agree to anything at the moment and just to hear the cost savings. The agent proceeded to connect me to a 'Specialist ' while he remained on the line. I heard a recording say Loan Depot before the 'specialist ' got on the line and asked the agent who was Loan Depot as he said XXXX XXXX The line was abruptly disconnected at this point. Please make consumers aware loan companies are claiming to be federal agencies.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I did not open ANY of the following accounts. They are fraudulent. 

XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX  XXXX XXXX. 
Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/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 2022-06-03
Company: Experian Information Solutions Inc.
State: IL
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 am a victim of identity theft. I contacted the company and told them i was a victim of identity theft. here and does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX  Balance {$130.00} XXXX, XXXX XXXX XXXX Balance {$270.00} # XXXX, XXXX, Balance {$440.00} # XXXX, XXXX XXXX {$1300.00}, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX {$830.00} # XXXX XXXX XXXX XXXX {$1400.00} XXXX re the company XXXX I attached a copy of credit report as well. i could not attach on the next page Pleease romove tise Inquiry : XXXX XXXX  ServiDate of Inquiry : XXXX Contact : XXXX XXXX, XXXX, SC XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXX IncDate of Inquiry : XXXX Contact : Not Available Inquiry : XXXX XXXXDate of Inquiry : XXXX Contact : Not Available Inquiry : XXXXDate of Inquiry : XXXX Contact :

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 2017-04-02
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I Get a title load i dint reliced they give me a over 100 % on enteres i traed to work with the company on the high enteres. They closed all my doors and repo my car

Company response to consumer: Closed with explanation