BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My spouse and I have been trying to contact Equifax Credit Bureau since Monday XX/XX/XXXX to temporarily remove our credit freeze. For hours and days ( except last weekend ) no one answered the phone but a never-ending auto messaging suggesting that we go to their website. Their website directed us to call their 1-800 number cause they are unable to continue. For days and hours we have been trying to get hold of someone at Equifax with no luck. Most recent was this morning XX/XX/XXXX when If they are close they should say so. If they need something from us they should indicate so. Instead of making clients wait or throwing us out of their system. 
I am applying for refinancing and the bank would not proceed without all 3 credit bureaus open our credits. 
Please expedite as we're refinancing and would like to close. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: SQUARETWO FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Dear sir/madam, as I was going through my credit report on XXXX and XXXX few months ago, then I noticed a negative report on my credit. The negative report was from a collection agency called CASH LLC. any time I dispute the account, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine. I attached a copy of the letter they sent to my home address after my last dispute to the account .I want your office to go through the attached letter. First I have never had any account with XXXX BANK OR ANY OF IT AFFILIATES. Second, They have to explain which address I was living when I acquired this dept. I believe this could be someone else account who may have same name as mine .I do n't know how they got my social security and my name even my date of birth because I know I have never had any account with CASH LLC XXXX XXXX Bank or any of their affiliates. 
I am requesting that CASH LLC and XXXX Bank or any of their affiliates should remove such negative and false statement 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 2017-05-24
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
On  XXXX   XXXX ,  2017  I contacted the company Carrington Mortgage Services to request a payoff notice and also verify we could sell the property. I was informed that I would receive the information via email shortly and that the actual legitimate information woukd come in the mail. The one that came in the mail would be the one used for the title company and otherwise. When I received that paperwork in the mail on the   XX/XX/XXXX   I then passed it on to my realtor and title company so they would know the payoff. I was also told that information was valid for 30 days after I received it in the mail, which would mean it was valid until  XXXX   XXXX ,  2017.  A few days before closing I called to make sure that the information I had was valid and that all the numbers still matched. They refused to speak with me or my wife. Stated that we had the information and that we were n't to bother them again. So the title company did up the interest amount a smidge just to be on the safe side. We sent the payoff amount on  XXXX   XXXX ,  2017 to  the company. When we did n't receive any returns, email, or phone calls we assumed we were done and it was over. We were wrong. Monday the  XXXX ,  2017  they returned the payoff stating that we owed  XXXX  more than what we sent. I spent 3 days trying to speak with the company and they refused to speak to us. Finally, I was able to speak with someone, the woman I spoke to said she would send a new payoff notice and it woukd state we were  XXXX  short. I never received it. So I called back. They informed me that if I continued to contact them they would have me arrested for harrassment, just for calling to find out about our payoff on our mortgage. I received the new payoff yesterday,  XXXX   XXXX ,  2017 , and they have changed the payoff to state that we owed almos t 1800  dollars. I called the company again. They have informed me that they will not speak with me or my wife. They will not tell me what the changes were for and why the added price. They have stated that they wo n't and do n't have to give me any information. My wife is the owner of the house per a probated will and we have shown them these papers proving it at least 4 times. My realtor has proof of it. They still wo n't speak to my wife at all. They have continued to force us to own this house for almost a month now. They wo n't let us pay them because supposedly we are n't paying the right amount, however we have asked for the right amount repeatedly. Please help us. They are continuing to extort more money from us. Everytime it is more but with no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: Credit Karma, LLC
State: KY
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:
Credit karma is always offering me credit cards ( unsecured ) as well as allowing hard inquiries on my report. Once these cards are close to being obtained I am automatically denied the card. Credit Karma always puts forth cards that they say are pre-approved for you when they never are! Which causes downgrade on my credit report. I am hoping to get this resolved so others don't have to go thru same and to be reimbursed for the same and false advertisement that credit karma has put on me and dug into my life 's XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, 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 2022-07-19
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 was applying for a car however more inquires came on my account without my use. 

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

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 2022-04-11
Company: Experian Information Solutions Inc.
State: NJ
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:
I am the author of this complaint, and there is no one acting on my behalf. 

I just love the data This entire complaint is discoverable, and penalties outweigh your intent. 

Know - this will become this companies legacy. 

Item 1 This first issue is tied to the following : 1. This Debt Collector is in fact willfully, not following FCARA/FDCPA 2. When provided with their data in/from a CRA - willfully not responding to the data inaccuracies ' and the illegality of the results 3. Allowing their data- to report as a Creditor, and when they know they DBA as a Debt Collector 4, Failing to follow reporting mandates, when rules and guidance require them to 5. Knowing, that their file produces systematic results. systematically and intentionally 6. And then failing to act legally to mandates that govern them 7. Willfully reporting fields- such as Terms, Pay History and Pay Rating - when, Metro2 says do NOT Item 2 The other issue is Failing to Verify this account 1. Although the original request was not for a VOD- I then and Request to verify that this account is OWNED/Purchased bXXXX XXXX XXXX  . Account for any bill to any alleged Debt you then claim 3. Provide Chain of ownership - as others have claimed to own this alleged debt Metro2 - 1. The specification on how you MUST report, is attached 2. You are - a Debt collector 3. Legal definition, from FTC is available in Section 803 4, The " What not to send '' - is the last page of the attachment 5, You in fact are sending it 6. I have no terms with you 7. You must be aware of the impact of Pay History 8. You then must also be aware of the Pay Rating 9. Those are dedicated data elements for the Creditors Delete your fraudulent tradeline.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-01
Company: Empowerment Ventures, LLC
State: AL
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
I called Rushcard to dispute a charge on my account. The woman said it would take approximately 90 days to handle the dispute. She said it would be faster to get my daughter to give me the {$88.00} back which was the charge amount, because it was from her insurance making the charge to my account. I had previously paid my daughter 's Insurance the month before and apparently the insurance company had went ahead and took out her insurance charge again the next month. Then the woman proceeded to say that she had to cancel my card and that it was standard procedure. I told her that she could not cancel my card, because I had a direct deposit coming through the next day that I needed and that I needed my funds to take care of my bills and my children. I told her not to cancel my card. I told her several times not to cancel my card and that I needed my funds to take care of my family and my bills. I told her she better not cancel my card. She kept saying she had to cancel my card. I told her I needed to speak to her supervisor. After all the time she spent on the phone saying she had to cancel my card she never really handled what I called about which was disputing the insurance charge. After I was on hold for a long time I talked to the supervisor who checked my account and said that the card had been cancelled by the previous woman she then proceeded to tell me that it would take 7 days to get me another card ; however, she could charge me {$30.00} to get me an expedited card which she would take out of my direct deposit when it hit the next day. My complaint is that I never wanted my card cancelled in the first place I told the lady that I intended to cancel my card myself after I received my direct deposit and that I did not want her to cancel my card and that I would do it myself and that I feel I should not have been charged {$30.00} for an expedited card when I did not want my card cancelled in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: Eastern Revenue, Inc.
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX XXXX 2017 I received written notification of balance owing for the amount of XXXX. Payment to be received on or before XXXX XXXX 2017. I was unable to attend my XXXX XXXX due to Holiday on XXXX XXXX of XXXX XXXX. On XXXX XXXX, my XXXX XXXX closed at XXXX XXXX. On XXXX XXXX, 2017, I was informed that there were additional fees associated with the private loan as this loan accumulates at 4.5 %. On XXXX XXXX 2017, I sent out a payment in the amount of XXXX to be received on or before XXXX XXXX  2017 through overnight delivery with XXXX. I also informed company that I will only be paying the amount owing stemming from the written notification received on XXXX XXXX 2017. New statement received indicates balance owing to be XXXX. I have contacted company and have left a message with Manager handling my collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: Empowerment Ventures, LLC
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
RushCard sent out a message that they were updating their systems 2 weeks ago. I am currently unemployed and have to count on my unemployment to pay bills and feed my family.. I have called from XXXX XXXX/XXXX/15 and was hung up on XXXX times ... I was told on my XXXX call to go to the ATM for my online access is currently showing suspended and when I call to check my card it states : " Your card is not activated ''. I tried the ATM to no avail and called a XXXX time and the rep. stated that there is nothing they can do for the 33 % of customers that can not access their money ... I think that this is unfair when you expect to get your fees!!! We as consumers are ; being told to sit and wait on a text as to when you can access your funds no expected date can be given ... I will not continue to use Rush and will advise all of America not to use them ... ... This is Robbery!!!! We need HELP NOW!!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 sent in a letter requesting that all accounts be looked and corrected because the account is not mine and i never received a response back.

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 2020-03-25
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: Credit inquiries on your report that you don't recognize

Complaint:
I have 71 credit inquiries within the past 4 months.

Of the 71 credit inquiries the only ones that I recognize are for car loans ; and I gave permission to XXXX XXXX XXXX to do so. The items, companies, and inquiries were not made and/or authorized by me and I have absolutely NO knowledge of these inquiries. There has been several instances where my bank, Credit reporting agencies and my credit card companies have reached out to me regarding suspected fraudulent activity and it is still going on. 
Please see dates, below. 
I have sent in written disputes to XXXX, Equifax and XXXX. 
XX/XX/XXXX : XXXX  XX/XX/XXXX : XXXX/XXXX  XX/XX/XXXX : XXXX  XX/XX/XXXX : XXXX/XXXX  XX/XX/XXXX : XXXX   XXXX  XXXX/XXXX  XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX   XXXX/XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX  XX/XX/XXXX : XXXX XXXX XXXX XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX  XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX/XXXX  XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX/XXXX  XX/XX/XXXX : XXXX XXXX   XXXX/XXXX  XX/XX/XXXX : XXXX  XXXX  XX/XX/XXXX : XXXX/XXXX  XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XXXX  XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX  XX/XX/XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: Lendmark Financial Services
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am behind in my payment to Lendmark Financial Services. I spoke with then 2 weeks ago and explained the situation and that I would make a payment as soon as possible. they continue to call multiple times a day, leave me messages and now are calling my references. I spoke with XXXX today who was rude. When I told them to stop repeat calling and to stop calling my references, I was told they had every right to keep calling and will continue to do so. I told her 3 times to cease calls, she said they will not. I advised this is unfair collection tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: Ocwen Financial Corporation
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have applied for a loan modification Ocwen mortgage at least 5 times. The first couple of times I applied I was denied due to not obtaining a signature from a spouse that I had been separated from 16 years and he was not a co-borrower on the loan on which I was requesting the modification for. The most recent modification was denied do to Ocwen stating they did not get a signed agreement from me, and after I had made all three requested payments earlier than requested. During conversations with Ocwen, they never once requested those documents from me and I had spoken with my relationship manager at least 4 times during that period. Also, when I initially called regarding the status of the mod on XX/XX/XXXX, the rep never advised me that the payment was due on XX/XX/XXXX. Coincidentally, I received a statement in the mail advising the payment was due on XX/XX/XXXX. Also during the 4th time I applied, I contacted Ocwen to discuss the mod, and they had already denied the mod, per the rep I spoke with, due to me not making a payment within 1 day of the due date the 2nd payment was requested The tracking on the payment reveals that Ocwen received the payment on the XX/XX/XXXX by XXXX XXXX, but the payment was not processed until the XX/XX/XXXX of the same month in which is was received. Another issue I am noticing with Ocwen is that, they are not really advising me properly when action is taken on the mod. I spoke with them last week and they stated the mod was denied on XX/XX/XXXX. I have yet to receive those papers as well. They are taking negative action on the mod and not notifying properly. I assume that I may not be the only client that may be experiencing similar issues with Ocwen. Ocwen is also reporting my account closed and that no payment has been received since XX/XX/XXXX on my credit report and causing my score to be lower, when the account is open and up payments were being made thru the trustee before the account was removed from the bankruptcy. I 've also noticed that payments sent by mail are processed as late as 16 days. This could mean unreasonable capitalization of interest and late payments for some customers. On the other hand, when I pay {$16.00} and pay through an online company my payments are posted within 3 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Experian has made it nearly impossible for consumers to reach them by phone in order to resolve credit issues. It only give you two options when you call : order a credit report or place a security freeze. Its absolutely ridiculous and impossible to reach someone at experian. As consumers it should not be this difficult to reach ANY credit agency. In addition to that they state that a proper number is provided on your credit report and it isnt! Experian is making it nearly impossible for me to secure my home by placing this hurdle. I cant even finish the underwriting process for my home loan because of this roadblock they have placed.

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 2022-09-03
Company: ALEXANDER-ROSE ASSOC, INC.
State: TX
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:
I submitted a dispute asking what proof was provided to very the acct they dud not provide any proof the the collection was valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: Empowerment Ventures, LLC
State: IL
Product: Prepaid card
Sub-product: ID prepaid card
Issue: Managing, opening, or closing account

Complaint:
I contacted Rushcard on XX/XX/XXXX and was informed my card was cancelled because they had sent out a new card and it was returned. I advised them the address was wrong and I had money left on the card in my possession. They advised me they could n't deactivate so I told them to close account and send me a check for {$110.00} ..They sent check to wrong address and it was returned. They sent me an email saying they had my funds and would reissue the check. It 's now XX/XX/XXXX and still have not received my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: Empowerment Ventures, LLC
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
after filing a complaint with XXXX I have noticed I am not able to get into my account and I have noticed just before this happened that rush card has been taking XXXX out of my account on a daily basic saying its for XXXX i have not used rushcard for such transaction and they have been taking over XXXX out of my account and wont refund it i sent in all doc saying its not me and copies of all info they wanted after 90 days rushcards closed the case and kept my money and now after trying to get to my account they have blocked me from it my social secuirty money goes there and after social secuirty had deposit XXXX for back money owed to me rushcard stole it and is saying they have no record of money going to XXXX i printed the statement before being locked out of my account and now nothing is going to be refunded

Company response to consumer: Closed with explanation