BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
In my first letter dated XX/XX/XXXX I asked Transunion to remove a XXXX mortgage loan because the balance is XXXX the account opened XX/XX/XXXX has had no payments since XX/XX/XXXX. This is over 7 years and must be deleted from my Transunion credit report. They responded by not removing the item and not giving me any reasons. In my second letter I asked eight specific questions, and to date have not received any answers. Three months is too long a time to not received any answers. Please ask them to removed this from my credit report.

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 2016-11-09
Company: 21ST MORTGAGE CORP.
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have asked 21st Century Mortgage twice to stop calling my place of employment. I 'm not even 30 days late on my mortgage. 
They know I pay the second Wednesday of every month. 
Today XXXX/XXXX/16 is the second Wednesday and they called my place of employment. They have been told twice to stop calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: LDF Holdings, LLC
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Didn't realize interest rate was that high. 811 %. I did not know it was illegal to offer this loan in NJ.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: TD BANK US HOLDING COMPANY
State: NY
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: Transaction was not authorized

Complaint:
I met a woman online and she indicated that she was traveling to XXXX to assist in the treatment of COVID-19 patients. 
After various text, she informed me that since she did not have a business visa, they could not pay her through their payroll, but they can make payments to a US credit card on her behalf. 
She asked me wether she.can pay the outstanding balance of a secure. 
Credit card I had with TD Bank NA. 
The she started paying my outstanding nance and asked me to return the money she paid to her via gift cards. 
I did not see wrong with that since she was m Paying the outstanding balance on the card. 
The bank subsequently reverse all those payment a dhargex my card with. Approx {$43000.00} six weeks later. 

I feel that I am not responsible for any payments made by the bank after 3 days since the payments were. Made. 

Respectfully Subpmitted, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I, XXXX XXXX applied for and was approved for Citibank Mastercard. I applied with my name, my birthdate, and my social security number. However, the approval came back with the first name, XXXX, which is my husband 's name. I registered the card online, with my social security number, and it already hit my credit report for the inquiry on the card. The company refuses to speak to me, because my name isn't XXXX. I have faxed in and e-mailed in copies of my social security card and driver 's license to prove my identity and they still refuse to fix the problem or speak to me regarding the account. I am very upset because they gave out information on my account to my husband, XXXX, which they should not be speaking to him about my account. The offered him to close the account, my account, that's attached to MY CREDIT REPORT.

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 2017-03-31
Company: Continental Services Group, Inc. d/b/a ConServe
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
On XX/XX/2017 I checked my XXXX Credit report and this company out of nowhere appeared on my credit report from Conserve. Who ever this company is they did not send me any letter of this debt, which they violated my rights to dispute any debt that is in my name. I have never seen nor heard of this company until I got an alert of an collections on my credit report. This company violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
We went to www.equifax.com to order a personal credit report product that supposed to provide XXXX credit reports from Equifax XXXX along with XXXX credit scores for XXXX fee of {$39.00}. After we set up personal information and provided our XXXX debit card number, we were charged the amount of {$39.00} immediately XXXX we verified this when we signed in to check our balance in our checking account ), this amount was immediately debited from our checking account available funds, however, the product was never delivered because of a post identification verification process. The system communicated that we had to call to be verified thru the telephone. My complaint on Equifax is that the company site is set up to withdrawal money from a person 's checking account/debit card XXXX what ever form of payment is provided by the customer ) with out delivering the product. Equifax needs to ask the computer generated identity verification questions first, for some reason, if the consumer fails to answer the verification questions, then Equifax should not immediately charge the consumer for a product that will not be delivered. When we followed the instructions to contact Equifax to be verified by phone, the first representative was rude and she hung up on us. We had to call back and speak to a different representative who communicated that the charge was in process of being reversed but it will take 24-48 hours XXXX business days of course, all this happened on a XXXX so we will not get our money until 4-5 days later ), however, again, this should not have happened. Equifax has had a negative financial impact on our funds. Lastly, the second representative had the nerve to try and sell us another Equifax product that cost XXXX and she guaranteed that it will be delivered ... .This is astronomical and comical that she had the nerve to try and get another payment from us before Equifax had reversed the first XXXX. Equifax , we are consumers that do not have a lot of money, please fix your website so that consumers are not charged for a product that will not be delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Bank of America commits FELONY CRIMES AND OWES ME XXXX AS THE FEDERAL LAW DOES REQUIRE!!!!! READ IT AND READ IT AGAIN!!! AND SEE EVIDENCE This legal notice being sent and delivered to you persuant to Florida Statutes 48.081 NOTICE! The use of fictitious names or addresses ( ALL CAPITAL LETTERS XXXX in a private individual 's name, or a ZIP CODE, against the individual 's wishes, is a crime under Title 39 U.S.C. Section 3003, Title 18 U.S.C. 1302, 1341, 1342., and is punishable by up to 15 years imprisonment and {>= $1,000,000} fine. 
As XXXX explains, the full capitalization of the letters of one 's natural name, results in a diminishing or complete loss of legal or citizenship status, wherein one actually becomes a slave or an item of inventory. The method, by which the State causes a natural person to " volunteer '' himself into slavery, is through forming legal joinder, implied or stated, with the entity or legal fiction ( name all CAPS ). Of course, most natural persons would n't willingly form such an unlawful but legally reductionist joinder, so trickery and obfuscation are used ; and this starts when our birth certificates are created. 
[ The initial joinder is formed when a legal Birth Certificate is issued by the State, name in all CAPS. In fact, both the Certificate of Birth AND Social Security number, are for " inventory '' control purposes, similar to the XXXX manifest or those numbers or records used by legal entities or Corporations to track, account for, use and dispose of inventory. ] Bank of America threatens me with extortion stating they will contract with chexsystems to promote negative information about me, this is a violation of my privacy and is another crime committed willfully and with intention!! 
Bank of America also MAKE A HUGE CONTRADICTION in their response saying they can not close an account then saying " they did '' close the account what a bunch of LIAR CRIMINALS, LIAR LIAR LIAR, CRIMINALS CRIMINALS CRIMINALS, EXTORTIONS, LIES, CONTRADICTIONS AND VIOLATIONS OF THE FEDERAL LAW, ALL RIGHT HERE XXXX EVIDENCE

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 2016-09-14
Company: FIRST NATIONAL BANK OF OMAHA
State: NE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
XXXX at XXXX XXXX Bank in XXXX, Nebraska XXXX offered a rate match for our mortgage verbally. I sent all documentation to him as requested, including the rate documentation from our credit union. Three weeks later, after many inquires of rate locks he told me they are now unable to match the rate. We are now at risk of not having a mortgage at the closing of our new home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I leased a new car from XXXX XXXX in XX/XX/XXXX. After 90 days the dealership I purchased from contacted me to say they made a mistake with the Vin #. I brought the car in and had to re-submit paperwork for the lease. XXXX XXXX then confused my account with another account that had been delinquent. As a result XXXX issued a negative hit on my credit file. Of the XXXX major credit reporting agencies Transunion was the latest to report an issue on my credit file. Now it is my 4th time going back to them to dispute the information from XXXX XXXX. The first time they corrected my file then reversed it to the original inaccurate information. I went back a second time, they corrected it and then omitted that I was paying off an installment loan to XXXX XXXX that Transunion themselves said affected my FICO score due to have no installment loan info! I went back a 3rd time, it appeared both issues were corrected and in XX/XX/XXXX received documentation from Transunion showing everything correctly. I checked my credit report via XXXX, that allows my to see the XXXX major credit reporting agencies and noticed once again Transunion how a late payment noted on my credit file that I had previously resolved with them! Reversing for the 2nd time information previously corrected! Tonight I sent my 4th dispute online with Transunion. XXXX credit has corrected my information, I assume at this point that Transunion is clearly inaccurate and incompetent. This is the worse experience I have ever had with a credit reporting agency.

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 2016-01-21
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Equifax has re reported information to my credit file without doing a proper investigation.or sending me any documentation confirming that the action was going to be taken before reinserting information to my credit file. also i have several accounts on my credit reports. with incomplete or without information being fully investigated or verified as the information was deem fraudulent in the past on previous disputes and been removed. also equifax has refused to remove the information even though the information is deemed to be inaccurate or incomplete violating statues under the fair credit reporting act, also violations under the dodd frank act as well as the graham bailey act. Also equifax has listed a lot of fraudulent addresses on my credit report exposing me to risk that i should not be exposed to as being a consumer in the united states. Also there are accts that can not be verified or considered incomplete which was apart of the fraud, that had been removed for over two years have been placed back on my file without any proper notice being sent to the correct address which copies as well as personal information has been sent to theses fraudulent addresses. The Addresses that are reporting are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX va XXXX Also Accts from XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX acct XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX # XXXX XXXX Bank Acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX acct # XXXX all these accts where reinserted back to my credit file without proper notice but also many of them with account numbers that do not exist or inaccurate information or information that is incomplete and never verified even after being told plenty of times of the discrepencies or of the creditors claiming to have not reported this information to equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: EQUIFAX, INC.
State: HI
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
I have tried to get my annual credit report from equifax and am unable to do so due to incorrect information on the questions they ask me if its really me? My name is XXXX XXXX XXXX and my phone number is XXXX could you please help me in regards to getting my annual credit report? Thank You very much. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
The original creditor was XXXX from about 10 years ago. The account was closed and charged off to a collection agency. The collection agency was not Portfolio Recovery who I am filing the complaint against for submitting false inaccurate information on my credit report. I been disputing this w/all XXXX agencies for sometime now. The Debt Buyer has purchased an old debt that was included in my Chapter XXXX Bankruptcy. I have legal documents that was included in my discharged. I have never had any business with XXXX since 10 years ago and never will. My Bankruptcy representative made that clear.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Creditor has advised that they have verified the bankruptcy listed on my report. They advised that the number and name of the company that verified this is listed on my report. My dispute clearly requested original creditors documentation on file to verify this information is mine. This bureau has refused to reinvestigate this and I have yet to receive the requested documentation /original contract with my signature to prove this is my bankruptcy.

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 2015-09-16
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My urgent matter involves foreclosure I 'm a young XXXX XXXX in the process of trying to get a XXXX and save my home at the same time but it has become overwhelming. After being XXXX retired the military terminated my BAH ( Basic Housing Allowance ) and since then it 's been hard for me and my family. On or about XX/XX/XXXX I was almost 3 months behind on my mortgage and I tried to pay for two months of payments and they refused to take the payments and they then stated they could n't help me until I was three months behind. My lawyers have submitted documents to request a loan modification but within a 2 month period they state that I make too much or not enough. I now have a sale date of XX/XX/XXXX. So its clear they have no intention to honor a loan modification. I received a loan modification on or about XX/XX/XXXX but it was still a financial burden. I excepted the terms because they stated If I did n't it they would terminate the loan modification and I would have to start all over again. As a XXXX XXXX veteran I 'm not suppose to pay property tax but they still charge me. In addition, we had a certified forensic loan audit which depicted fraud on the loan. Our XXXX report revealed our note was split-apart or fractionalized, as separate accounting entries and deposited ach Class is insured up to 30 times the face value of each Note therein, which is permissible under the Federal Reserve System. I have no problem providing forensic audits and securitization reports. I want justice and my home. Freedom is n't free!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: Focus Holding Company
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I received a call on my work number from Focus Receivables Management on a file # XXXX. Focus Receivables Management was not authorized to leave any messages or call this number. I did return the call asking who this company was looking for and indicated this was a place of business - they should not be leaving messages or attempting collections here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
My personal information was taken by an identity thief, I 'm asking the last XXXX hard inquiries ( XXXX ) ( XXXX ) on my credit report. be removed or blocked I have a police report number XXXXThank you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Some time before XX/XX/XXXX, I had applied to Synchrony for a credit card ; however, Synchrony said that it could not identify me, and thus rejected the application. However, Synchrony did a hard credit pull, and refuses to remove it. If Synchrony is saying that there was a problem in identifying me, then it is against due process to consider that I was the one who had applied for credit, and thus the hard credit pull should be rescinded. Surely there is something in the Federal Code that requires a rectification.

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 2015-06-12
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I HAVE SUBMITTED THE PAPEERWORK AND DOCUMENTS AND THE CREDIT BUREAUS HAVE TOLD ME TO CONTACT THE CREDITORS TO DEAL WITH THEM REPORTING INACCURATE INFORMATION, AND INFORMATION THAT DOESNT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I sent a request for a validation of the debt and I have not received any response. 
The only reason that I knew of this debt was by looking at my credit report because I have not received any notice. I have also disputed the item on my credit report, but Evergreen Professional never responded to request sent USPS 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 2017-02-27
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I was checking my free credit reports at annualcreditreport.com. I was able to view XXXX, XXXX, but not Equifax. When I clicked on the link to view the Equifax report, a page stating that the system was not available and to check back later. Once I returned to annualcreditreport.com, it showed that I had viewed the Equifax report and would not let me back in. I have gone to the Equifax website, but you must purchase a product in order to speak with a person. The links on the Fair Credit Reporting Act for their site are not active. They do not have any phone number that will get you to a person to help with the issue. You ca n't even order a credit report without signing up for a monthly subscription. I finally ordered a report and score over the phone because the phone was not clear as to what needed to happen in order to just get a report. I paid the {$19.00} just so I could get a copy. This is yet another example of how these agencies are allowed to control your financial information with no recourse. I have a very common name and have had several mistakes on my reports over the years. It is amazing to think that the consumer has to pay for their mistake. I also sent a complaint to annualfreecreditreport.com, however they are a government run agency, so they obviously have not intention of responding to the issue to resolve the matter.

Company response to consumer: Closed with monetary relief