BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 a few inquiries that is incorrect on my credit report and i have no knowledge of ever giving approval to let those companies access my credit report and i would like for those inquiries to be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: EdFinancial Services
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
EdFinancial Loan provider needs to be more transparent. Many people including myself requested refunds for payments made during the covid lockdown. These refunds are taking up to XXXX days with no given emails, confirmation number and/or anything to show proof of the requested refund. There are many people who are getting their refunds much faster, with other loan providers and even given proof of the confirmation of the refunds. EdFinancial has the slowest process of them all which is very frustrating. We need to get these refunds processed before the end of the year and our money back into our accounts. Please help me and the people obtain our refunds back like other service loan providers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: Seterus, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to the mortgage crisis I became unemployed/underemployed and subsequently filed for a loan modification with my loan Servicer ( previously XXXX, currently SETERUS ). I filed for a modification repeatedly since XXXX, yet each submission was ignored, or denied for arbitrary and baseless reasons. Example, in late XXXX the Servicer denied an application submitted earlier that year stating that I had not identified my hardship as having ended - although I expressly said that it ended and included an end date on page 2 of the Uniform Borrower Assistance Form. I subsequently filed a complaint with CFPB and resubmitted my application. In XXXX XXXX SETERUS offered a Loan Modification Agreement ( LMA ) which inflated the loan amount by over 50 % ( outstanding loan should be ~ {$90000.00} LMA calculated as ~ {$150000.00} ). The inflated loan amount failed to account for loan payments made to the prior Servicer in XXXX and correlated interest due on the loan and, included insurance and tax payments covered by separate payment arrangements. In XXXX XXXX, via certified mail, I sent notice of general LMA acceptance with a requested revision to address their miscalculations. In response SETERUS sent notice of LMA denial for failure to accept terms, but failed to address the loan balance miscalculations.

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 2019-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 filed Fraud on XX/XX/2019 I provided XXXX  with my legal information and XXXX  helped the child support enforcement agency continue the fraud and Usury by updating the fraud with my legal information.

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 2022-03-05
Company: Paradigm Assets, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a letter in the mail on XX/XX/2022 from a company called XXXX XXXX XXXX XXXX XXXX a debt collector stating they are attempting to collect a debt that I owe to JHPDE Finance, LLC the letter also states the will continue to report this debt to the credit reporting agencies so long as the law permits it. I have a real problem with this law that because someone feels something belongs to me that I have to continue to suffer my credit life. I am tired of the disrespect received when even trying to contact the companies to address the fraud. XXXX was very belligerent, and I could barely inform him that I am the victim of Identity theft. The communication from the conversation I had with XXXX I found to be very disrespectful and rude I must say. It is hard enough to be a natural person a consumer and have people disrespect you constantly daily by committing acts of fraud against me. I have grown sick and tired headaches battling through all the unfair debt collection practices committed by this fraudulent account. I am assuming a vital role for my credit life and wish to stop being disrespected like I do not matter I am alive. Tila Pursuant to 15 USC 1602 ( g ) I am a natural person and can make choices for myself I am alive. These crimes committed against me has affected my life and caused me to have stress and headaches. This is affecting myself as well as my family and friends. Pursuant to 15 USC 1692c I am invoking remedy as the injury occurred from illegal activity. I never provided them consent to have any conversations with any of them. I want this company to Cease, and Desist I am demanding this company too JHPDE Financial infringed upon my right to privacy by having a conversation about me with third parties and reporting this information as a result of that third party. I am demanding that this information be removed as soon as possible.

Pursuant to 15 USC 1681 ( a ) ( b ) You did not meet the needs of commerce because this was not Fair and equitable to me. This information is not accurate, nor is it relevant to me. Nor was this false information properly utilized in a manner that is or was equitable to me.

This transaction if it took place should have been confidential so you in fact betrayed my confidence. You are in violation of 15 USC 1681 ( a ) ( d ) ( 2 ) ( A ) ( i ) and it should be excluded from my consumer reports if you have taken it upon yourselves to add it there falsely.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: ALLY FINANCIAL INC.
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello there how are you doing? I just need Ally Financial to update the amount owed to them for the debt of XXXX acct number XXXX the amount that need to be updated is XXXX its updated on XXXX XXXX to that corrected amount and need to be updated with XXXX  XXXX and XXXX on XXXX  app in my report also please this need to be changed As soon as possible it is destroying my score need to be updated so I can get ahead in life and get out of my financial situation please this is urgent thanks so much

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 2021-04-15
Company: NAVY FEDERAL CREDIT UNION
State: TX
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 was defrauded by the merchant ( property management company ). They fraudulently misrepresented the apartment unit and after signing the contract, they gave me a key to an apartment unit that did not meet Texas state habitability law. The apartment unit was full of cockroaches and it was very unsafe environment. I paid the rent ( {$200.00} and {$600.00} ) with Navy Federal credit card on XX/XX/XXXX and XX/XX/XXXX and on XXXX, I decided to early terminate the lease agreement with landlord due to their lease violation. I have a right to refund because the merchant defrauded me by fraudulently misrepresenting the apartment unit. I also filed disputes regarding this issue with other credit card companies and they approved my claims and I was able to receive the refunds for other rent that I paid for. However, only Navy Federal Credit Union did not issue a refund. They did not properly investigate this issue and I'm very frustrated and disappointed. The amount of money that I paid for may not be a lot to this organization but it's a lot to me as XXXX year old.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-05
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit was pulled by Rocket Mortgage with permission on XX/XX/22. On XX/XX/22 I spoke to XXXX XXXX, a mortgage banker from Rocket. I explicitly said multiple times that Rocket did not have my permission to pull my credit again under any circumstance as it was pulled the week previous. I was also told at the beginning of the call that and during that the call was being recorded. Rocket Mortgage pulled my credit again on XX/XX/22 without permission. After speaking with XXXX XXXX, another banker, my husband confirmed that our credit was already pulled and didn't need to be pulled again. The banker confirmed. We were also informed this call was recorded. My credit was then pulled without authorization. We called immediately after receiving the notification that our credit was pulled and they said because we had authorized them to pull credit on XX/XX/22 that we had given them permission to pull credit on XX/XX/22. This is completely untrue and we gave explicit instruction that they DID NOT have permission to pull credit again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: Avant Credit Corporation
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
After making my first payment in XXXX XXXX, I logged into my account on or around XXXX XXXX expecting to have a payment due. The banner across the top of the page told me that my next payment was n't due for another 25 days. I then logged off. I logged on to my account approx 1 month later, and again, across the top of the page in large bold print, it indicated that my next payment was n't due for another 28 days. I then logged off. A week or so later I got an extremely rude phone call from a rep at Avant telling me that my payment was three months past due and that I owed them $ XXXX in order to make it current. My original loan was for {$10000.00}. Now I had every intention on paying back the loan, but this really took me by surprise. I have 30+ accounts that I pay monthly and have a hard time keeping track of them all. When I logged in, I had no way of remembering what transpired a month ago. But the representative on the phone showed me how to navigate through the web page as I logged into my account while on the phone with him, and I said, " See, it shows right here, my next payment is due on XXXX XXXX. He then showed me how to find down at the bottom after scrolling down a ways in fine print where it had last month 's and the month prior 's payment showing delinquent. ( Dates may be off by a few days, but this is the best of my memory of what happened approx a year ago ) Knowing that this has more than likely already greatly damaged my credit, I decided that the way that there web page displayed my account info was extremely misleading and that I was going to fight it. My job is extremely demanding and as a XXXX XXXX at a XXXX XXXX, I know how strict the guidelines are for creditors and figured that there is no way they are abiding by the correct disclosure guidelines and want the whole account to be dropped. Today I got a call from a company who had claimed to have bought my debt from Avant. I have n't received a call in almost a year from Avant and have honestly forgotten about this whole thing until today. I really hope there is something you all can do to help me. Thank you for the time you 've taken to read this. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: FIRST NATIONAL BANK OF OMAHA
State: GA
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:
Called XXXX to dispute a hard inquiry on my credit file. I was informed by rep that they do n't delete inquiries without something from creditor listed authorization and I needed to contact creditor. I contacted 1st National Bank of Omaha on XXXX/XXXX/XXXX. Spoke with XXXX who explained that I could n't call and request anything to send to XXXX regarding this matter. He stated XXXX would have to contact them and request or demand positive proof from creditor rather I have an account or inquired about XXXX. And that there is nothing they have to acknowledge that there is such an 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 2017-08-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Dear CFPB, on XX/XX/XXXX we noticed that our Wells Fargo Bank business account had a {$2800.00} amount debited by " RECURRING PAYMENT AUTHORIZED ON XXXX XXXX XXXX XXXX '', which we did NOT authorized! We immediately contacted XXXX, and they admitted that this auto debit should NOT have occurred, and we should have the amount credited back to our account right away! However, we have called them everyday since ( because this is causing a significant cash flow problem for us! ), but always been told that " maybe '' in a few day! Which is NOT acceptable! As of today, Monday, XX/XX/XXXX,  the unauthorized amount still have not been credited back to our bank account, we called XXXX again, and now we were told that the credit should appear on Thursday, XX/XX/XXXX? This is totally UNACCEPTABLE! What are our legal rights? And what are XXXX 's legal obligations? For this UNAUTHORIZED bank debit ( or bank fraud? ). 1 ) If we did n't noticed this on our end, this will be buried amount all transactions ; 2 ) once XXXX admitted its mistake, they ca n't just take their time to rectify this error at their leisure! Please advise! 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 2022-08-31
Company: Experian Information Solutions Inc.
State: NJ
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:
Unauthorized inquiries on my report. 

Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-03-05
Company: Certegy Holdings, LLC
State: NY
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:
Complain against ; Certegy Payment Solutions , LLC. 
XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Transaction Date : XX/XX/2022 Transaction Ref # XXXX Certegy Payment Solutions , LLC collect my information and use it to sell financial services to XXXX. 

Certegy Payment Solutions , LLC confirm they advise XXXX to decline my transaction based on false and incorrect information the company collected and use. 
The company representative confirm they based the decision they sold to XXXX, on information they refuse to allow me to correct/update and/or verify. 

The company representative also refuse to inform me, how i can update the inaccurate and/or incomplete information they used to sell financial product to XXXX. 

I contacted Certegy Payment Solutions , LLC, and ask them for a copy of the data they collect and the company refuse. 

Additionally, I was requested to provide personal information, such as social security #, XXXX Identification information, but when I request the company how my information is protected from fraud, misuse, sharing and abuse, the company refuse to provide any details.

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 2022-02-07
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: CCF Intermediate Holdings LLC
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Rapid cash issued me a series of loans-4 within a one month period where I borrowed an amount then needed more so I went in and they increased the amount so I could pay off the prior loan and get more cash-help. I now have a writ of garnishment but am unemployed. Also no service if process, and the amount on the writ is higher than the judgment and hand written on my copy of the writ

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 2020-06-08
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I was late a few months on my business AMEX card. I ultimately paid in full and asked them to close my account. They did not close my account and continued to assign me late fees. They turned my account ( {$170.00}, most of which were monthly late fees after I paid my card in full ) over to a collections agency, but continue to accrue late fees to my account. I attempted to speak with AMEX tonight ( XX/XX/20 ), a person named XXXX, who would not give me her employee ID or last name and would not let me speak with a supervisor to negotiate a mutually agreeable compromise. Also, they told me that they were recording me, but when I told them that I was recording them, she said that I could not do that and she would have to terminate the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: Brock & Scott, PLLC
State: VA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Brock & Scott PLLC ( B & S ) is produced and recorded with XXXX  County Circuit Court a false Appointment of Substitute Trustee from the alleged Lender/Investor XXXX  XXXX XXXX XXXX XXXX ( XXXX ). Appointment was signed and notarized by XXXX XXXX XXXX XXXX employee acting as " attorney -in-law '' for XXXX and notary public also employee of XXXX . 
On, XX/XX/XXXX, in accordance with 28 U.S.C. 1746, I sent a second request to verify the alleged debt as follows : 1. Provide Lenders direct contact including name, address, and direct phone number according to 15 U.S. Code 1692g ( b ) 2. Alleged Account # with Lender/Note Holder/Investor 4. Amount of alleged debt : 5. Date this alleged debt was acquired.
7. Amount paid if debt was purchased.
8. Provide copy of Servicing Agreement between alleged Lender/Note Holder/Investor and loan servicing company. 
9. Authorization to an alleged Servicer to Foreclose on subject property on behalf of Lender/Note Holder/Investor.
10. Provide verification that your company as a debt collector is authorized to act on behalf of the stated creditor.
11. Verify specifically, name ( s ) of person ( s ) assigned as Trustee to handle trustee sale and to be held accountable. 
XXXX XXXX XXXX provided only a copy of deed of trust and Note, but with a word REDACTED on it to create an impression, the documents are made from legal size pages. 
On XX/XX/XXXX, in response to my previous complaint, B & S claimed to have the original copy of Deed of Trust and Note. This is a lie to government agency. 18 U.S.C. 1001 is generally prohibits knowingly and willfully making  false or fraudulent statements, or concealing information, in " any matter within the jurisdiction '' of the federal government of the United States. 
If B & S insists on having the original Deed of Trust and Note, I demand to mail a copy of original legal-size Deed of Trust and Note to CFPB and to the Office of Virginia Attorney General, Consumer Financial Protection section, and to me for a comparison, as I do retain a  homeowners copy of all closing documents including the Deed of Trust and Note. 
Otherwise, I want you to know that B & S engaged into white-collar crime by conspiring with XXXX in their attempt to commit a civil theft and fraud against Land Record.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In XX/XX/2020, I filed a dispute with the three major credit bureaus XXXX, XXXX  and Transunion about the unverified account XXXX XXXX acct # XXXX, XXXX credit account # XXXX and XXXX XXXX acct # XXXX. In over 30 days ago I haven't received a response. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from these companies about these unverified accounts as of today and according to the FCRA these non responded accounts should be removed from my credit files. Thank you in your help in resolving this matter.

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