BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted TransUnion Consumer, regarding a debt that does not belong to me, XXXX XXXX XXXX, collection debt in amount of {$4600.00} dollars. I sent a letter to TransUnion on XX/XX/2022 and have not received a reply nor the requested information with actual documentation of the debt validation. This is harming my credit and has created denial of my credit approvals, please 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 non-monetary relief
Consumer complaint received 2021-04-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
CAPITAL ONE BANK ( XXXX ) : : Listed with a {$450.00} balance and years of missed payments for card ENDING XXXX same debt reported as : XXXX XXXX XXXX ( XXXX ) : Listed with {$1300.00} balance and no payments for card ENDING XXXX Source of dispute information : My XXXX Credit Report Type of disputed information : This item was paid with income garnishment and fully satisfied with XXXX XXXX XXXX XXXX. Both entities are seeking payment for the same paid balance card ENDING XXXX Dates associated with item being disputed : ALL dates, missed payments and balance information o My debt was settled and paid by wage garnishment. 
o I have two companies leaving derogatory marks on my credit report for a satisfied judgement. 
o The report shows I owed money to the company that I have already repaid. 
o I have enclosed the judgement for {$4300.00} XXXX & XXXX File number XXXX served by XXXX XXXX XXXX XXXX XXXX XXXX NY o The current status of my account is not correct. The report shows that I o am delinquent but I have made all of my repayments on time. I have enclosed the letter dated XX/XX/2021 from XXXX XXXX XXXX XXXX stating my debt was satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: EQUIFAX, INC.
State: MO
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  Account # XXXX XXXX  XXXX XXXX XXXX  Account # XXXX US DEPT ED Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXXXXXX XXXX  Account # XXXX US DEPT ED Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT ED/XXXX Account # XXXX DPT EDXXXX Account # XXXX DPT ED/XXXX Account # XXXX DPT ED/XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX  Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX US DEPT ED Account # XXXX DPT EDXXXX Account # XXXX DPT ED/XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  Account # XXXX US DEPT ED Account # XXXX DPT EDXXXX Account # XXXX* DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX XXXX XXXX XXXX XXXXI Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX* DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX XXXX XXXX XXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXXXXXX DPT ED/XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX  Account # 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 non-monetary relief
Consumer complaint received 2022-02-22
Company: LDF Holdings, LLC
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I have never applied for a loan with this company and I do not need a loan. This company has emailed me numerous times that my loan is waiting for me to sign and all I need to do is click on the link in the email. I did not ever apply for a loan! I have responded to every email that they have sent and asked them to take my information out of there system because I did not apply for a loan and I believe someone is trying to get a loan in my name. I counted 6 emails in the past 4 days that they have sent me. When I reply to them and ask them to take me out of their system, their response is that " I need to reply again with my Full Name and Last 4 of my Social Security Number ''. I, of course, am not going to give that information out to a company that I have never heard of and never applied with. I have worked in marketing and I have worked with automated email systems and I know how all of it works. They can most definitely at least take me out of their email list if nothing else. But, when I get replies the come from a person and the replies are from a XXXX email, so someone must be reading them. All I want is for them to take me out of their system and acknowledge that someone is trying to get this loan in my name and stolen my information. The company is National Small Loan and the website is www.nationalsmallloan.com phone and fax are P : XXXX F : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Winklevoss Exchange LLC
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
XX/XX/2022- I received an email stating that my account is going to be closed by Gemini and over {$200000.00} of funds will not be returned to me. Gemini updated their user agreement ex post facto to try to steal my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Fifth Third did not apply the funds properly to my house payments and {$5400.00} came up missing on XX/XX/XXXX i applied for the save the dream hardest hit funds to save my house and was accepted. XX/XX/XXXX save the dream payed a lump sum payment to fifth third bank then monthly payments till XX/XX/XXXX this i was told would pay me up to date with fifth third bank. that was not true fifth third bank did not pay all my escrow from all the money they received from save the dream funds and now fifth third bank tells me i have to pay for the missing Money of {$5400.00} lump sum or my house payment will increase {$630.00} for 12 months over top my regular house payments of {$1000.00} always included escrow increase to {$1600.00} for 12 months fifth third bank also told me 30 day before i had to start paying my house payments again i could apply for a loan modification to help me stay in my home once again not true XXXX XXXX office from fifth third bank called me wanting me to back out of the modification i told them no i was told that my house payment was going up {$630.00} more a month and he could not explain were the {$5400.00} disappeared at fifth third bank and sense they raised my payment from {$1000.00} to {$1600.00} i was told that he appreciated the over {$30000.00} that was paid to keep my home i was told if i could not afford the {$630.00} increase to get out of the home wanted to throw my family out on to the street XXXX scamming poor people and the state of Ohio by getting large sums of money pocketing some of the money then raising there house payment much higher and then throwing them out of there home with little or no intent to keep people in there homes. ( even though XXXX got there last pay XX/XX/XXXX my math i am paid up till XX/XX/XXXX?????

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: JPMORGAN CHASE & CO.
State: NH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem extending the lease

Complaint:
I leased a XXXX XXXXXXXX XXXX never was late or missed a payment the lease ended last XXXX I contacted the lease holder ( XXXX ) Chase Bank informing them I wanted to extend the lease for six months witch would have extended it through XXXX They took payments XXXX, XXXX, XXXX when we went to make the XXXX payment it was refused couldn't reason with anyone not even talking to people in this country. One the second week pf XXXX this low bed shows up telling me he's reposing the car showing me no paper work at all I never missed a payment nothing made sense Chase never sent anything to me either. I don't think this is fair at all also in XXXX someone backed into the car and left while we were shopping I had already contacted my insurance company

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
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: Account status incorrect

Complaint:
I am name is XXXX XXXX XXXX XXXX and this this complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX XXXX : {$23000.00} XXXX XXXX XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
there are unauthorized inquiries on my credit file. I have been requested to remove those. however Equifax did not remove those.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20
Company: Freedom Mortgage Company
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Freedom mortgage has been double charging me interest escrow and misappling my monthly mortgage payements and refuses to give me proper accounting ( that 's understandable ) and despite several requests has failed to rectify the situation and even now ( an example ) my XX/XX/2015 payment reflects double charges and they claim that that 's proper! I demanded proper accounting of all payments since they took over the loan! Which I got this btoken down stuff that shows entry after entry where they split the payment into multiple things which do n't make sence because I send one check a month which should show total received, interest charges, escrow charged, principal applied, ending principal balance which their accounting it statements they send you CANT UNDERSTAND

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 2022-02-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am doing a refinance on my mortgage. During the process the title company found XXXX liens from Wells Fargo. I will pay off the mortgage debt during the refinance which is XXXX, this amount correlates to the original deed of trust of XXXX dated XX/XX/XXXX. The second is a subordinate lien of trust for the amount of the loan modification that was done on XX/XX/XXXX, in the amount of XXXX. This amount I received a payoff for XXXX on XX/XX/XXXX and will take care of it when I close on the refinance. The lien that was filed erroneously, was another subordinate lien of trust for the amount I owed on the loan at the time of the loan modification XXXX on XX/XX/XXXX. When I contacted Wells Fargo initially around XX/XX/XXXX I spoke to the home preservation department and they told me that i had to pay all three amounts in order for the liens to be released, and told me that if i needed further assistance to contact Fist American tittle and gave me a number to a notary service they used to record the lien documents. I have continued to try and work with them several times. They gave me a case number on XX/XX/XXXX which I later found out on XX/XX/XXXX was closed without any action taken. I then spoke to a supervisor who admitted that a mistake was made and told me the lien release department he spoke to could not do anything but gave me a fax number for their correspondence department. I faxed them all the required documentation and explanation on XX/XX/XXXX. I contacted them on XX/XX/XXXX and they advised me that someone would reach out to me. I contacted them again today because i had not heard from them and they told me that they just received my correspondence today and that someone will contact me in 24-48 hours. I need to get this resolved. It has been a month since I reached out to them originally and it just seems like they are unwilling to correct their mistake because no one knows what happened and they are not taking ownership of such mistake by rectifying it and releasing the loan. I told them several times that I will pay for what I truly owe but I will not pay for double the amount of the loan because of their mistake.

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 2015-04-09
Company: Financial Business and Consumer Solutions.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
The collection rep advised I was able to take apart of a payment method via Credit card, when I called back to make the payment with the same payment method i was advised I could. The rep advised he never said I could make the payment with that method. I was unable to make the payment. I have requested to pay off and or get it dismissed due to their negligence**they did n't threatened to take legal action but the option I needed was not listed

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: Freedom Mortgage Company
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
I am trying to refinance my home. On XXXX XXXX I was told I should n't have a problem my son 's name is on the loan due to the fact when I brought the house my credit was n't good, and my daughter co signed. 5 years ago my daughter 's name was take off. Freedom Mortgage is giving me a hard time because they said my daughter 's name is still on the loan even though my current mortgage company told them no. I have been making the mortgage payment and have never missed or been late on a payment I have sent them my bank statements because the mortgage payments was coming from my bank account bi-weekly, however Freedom Mortgage wont ' accept that. My credit score is over XXXX, but that is n't good enough for them either, they said I need more income. So I told they I get XXXX for taking care of my brother, and I have power of attorney now they are telling me I need guardianship. I have had XXXX different processors so far. XXXX XXXX told me as long as I have my credit score is over XXXX I can be put on the loan. My name is on the deed, but FM wont ' accept that, they wo n't accept my bank statements because it looks like if came off line. I work part time for XXXX and they wont ' accept that either unless I go see an accounting. They want me to pay an accountant and lawyer money. XXXX and XXXX XXXX refuse to give me the underwriters name because they are blaming it on him saying the he 's the one not accepting anything. I have had my same job for almost 15 years and pay my bills now even though in the past I have problems due to divorce. My son has been in the same position for almost 10 years now, and his credit score his close to XXXX. Yet Freedom Mortgage won ; t approve us and wants us to put out money. XXXX XXXX my current mortgage company has tried to step in and help but Freedom Mortgage wont ' even listen to them.

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 2015-08-01
Company: Trident Asset Management, L.L.C.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Unvalidated debt reported to credit bureausAfter reviewing my credit report I saw Trident reported an alleged debt without ever making contact with me. They illegally reported unvalidated debt on my credit report. This is a violation of FCRA and FDCPA regulations. If this illegal entry is not removed from all XXXX reports I will take legal action. I do not have an account number as I have had no contact with trident. I do know the balance of the alleged debt is listed on my report as {$40.00} with a date of XXXX 2015 as the date placed for collection. - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-14
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had a XXXX account which was Closed and Charged Off and Purchased by Another lender, which is reporting late payments as well. Therefore this account is reporting twice on my credit report as a derogatory. 
This is causing me alot of stress as my credit scores are below because of this reporting.

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 2016-12-20
Company: Diversified Adjustment Service, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
DIVERSIFIED ADJUSTMENTS XX/XX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you DIVERSIFIED ADJUSTMENTSor any company associate with this account and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : DIVERSIFIED ADJUSTMENTS or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act 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 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 non-monetary relief