BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-14
Company: Finance of America Holdings LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello I applied to refinance my home on XX/XX/XXXX with Finance of America. 
I have all the emails to provide showing all documents being requested from me that I provided and correspondence back and forth confirming closing set for XX/XX/XXXX which was today. 
My appraisal came back worth {$420000.00} I owe XXXX so I was refinancing and including all debts to consolidate for a total loan value of XXXX. 
I have gone back and forth with them acting as Im approved then would get hit from underwriting over and over. 
I will provide all communications reflecting the issues I would like to get help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: EQUIFAX, INC.
State: MI
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:
There are XXXX student loans reporting On Equifax and XXXX fraudulently and I need them taken off

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was not aware of any debt owed to XXXX or TSI until posted to my Credit Report by TransWorld. Per my XX/XX/19 XXXX XXXX  conversation with your TSI Representative XXXX XXXX /XXXX  she could not verify " XXXX  '' as original creditor. She informed me that I was a " consignor '' and did not offer to send proof but informed that she could/would only " note dispute ''. I have not received any communications from XXXX XXXX or Transworld Systems as to debt owed at anytime. I have no knowledge of XXXX XXXX. They have failed to provide initial written communication to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2022 we were notified by U S Bank that they had closed our credit card with a high credit limit because we had not used the card in 12 months. We were very concerned about the impact on our credit rating. I called customer service and talked with XXXX ( sp? ). She told me that I had to send a letter to cardmember services to get the card reopened and the request had to reach them within 30 days of the account being closed. They closed the account on XX/XX/XXXX, I found out later. They would also pull a credit report ... a double hit to our credit rating. Next we went into the bank and talked to XXXX. He tried to help us but eventually he was told that we had to apply to reopen the card. Next we called customer service again and I talked with XXXX ( male ) and he read the account notes and said I needed a supervisor. After 5-10 minutes XXXX, a supervisor answered. She was intent on making sure that I didn't get a chance to talk much. She talked without taking a breath and would interrupt me when I finally tried to talk. I finally told her that I was going to report this experience to the CFPB and her name would be attached to my report. She said derisively that the report would be going to a different division and that she would never be found. This conversation happened at XXXX p.m. mountain time. One thing I was able to get out of her was that they really didn't have any interest in reopening the account. So I know that requesting the account be reopened would only harm our credit rating further. I made sure that everyone knew that we had been loyal customers for a long time and the account was closed by them and not because we had missed a payment or any other negative reason.

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 2021-11-14
Company: Source Receivables Management LLC
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Account and amount owed isnt mine and doesn't belong reporting on my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: Bliksum, LLC
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
The super high percentage rate was not revealed until the end of the application process. The LoanMe Inc. is charging an interest rate of 135.00 % and an APR of 138.07 % with a term of 47 months. I really needed the money because I had XXXX. I 'm retired military and XXXX veteran and had no avenue to XXXX Insurance. I applied to several Finance companies but was rejected due to a less than perfect credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03
Company: Fidelity National Information Services, Inc. (FNIS)
State: TN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
XXXX I attempted to purchase {$170.00} worth of materials from XXXX in XXXX, TN using my business check issued by the XXXX XXXX XXXX XXXX XXXX. The check was declined by Certegy Check Services. I called Certegy Check Services from XXXX and was asked if I wanted to be placed on their VIP List. The Certegy rep said this may or may not allow the check to be accepted. I said yes. He said wait 10 minutes and try to run the check through again. I did twice ; the check was declined XXXX times. I requested a copy of the declination from Certegy Check Services. It indicates that Certegy already approved XXXX previous checks from my business checking account totaling {$600.00}. Yet Certegy declined my check for {$170.00}. They only stated that my check " matched a high-risk pattern, our automated system provided a less than favorable recommendation. '' The XXXX XXXX XXXX XXXX XXXX is a valid institution. My business is licensed by the State of Tennessee. There were ample funds in my business checking account to cover the amount of purchase from XXXX ( {$170.00} ). Even Certegy 's records indicated that they had previously approved XXXX checks from my business totaling {$600.00}. How can another check from my business be considered high risk by Certegy 's automated system? 
Bottom line. Certegy Check Services has apparently not straightened out their act as a result of the XX/XX/XXXX FTC lawsuit file against Certegy Check Services.

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 2020-04-14
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, US DEPT OF EDXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX.have all violated my 609 rights by reporting incorrect information to XXXX  regarding my credit file. Experian further violated my rights by adding this incorrect information to my credit profile for others to see. 


My personal information on my credit report is inaccurate as well. I have requested to have my addresses, telephone number, and names corrected on my report this is a violation on my consumer protection rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: EQUIFAX, 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 recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 

Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX XXXX to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you - Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.

Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after. I have already sent XXXX validation letters via mail. I have not received a response or update in regards to this matter. 

All accounts in dispute listed below : XXXX XXXX XXXX Account Number : XXXX Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: Experian Information Solutions 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 recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 

Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX XXXX to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you - Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after. I have already sent 5 validation letters via mail. I have not received a response or update in regards to this matter. 

All accounts in dispute listed below : XXXX XXXX XXXX Account Number : XXXX Best Regards, 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 explanation
Consumer complaint received 2020-10-18
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
have ftc report filed report # XXXX XXXX XXXX XXXX  account XXXX is being reported buy 3 credit bureau the collection says XXXX dollers please remove this item i request all paper work showing other wise

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 2022-05-13
Company: WELLS FARGO & COMPANY
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/2022 I was contacted by an agency presuming to be " XXXX XXXX XXXX '' from XXXX XXXX XXXX, XXXX XXXX, CA. They were threatening legal litigation and a garnishment of wages if I did not settle on a XXXX debt for {$2500.00}. They stated they sent us a letter in the mail, which never came. They also quoted both my wife and my social security numbers. They asked for payment information to settle this debt and when I paused, they stated they could send me an email to send me this information. I then received an email to sign a document assuming this debt, which I did not sign. When I asked further questions, they became upset and asked if I was an attorney. I then hung up with them. They proceeded to call my wife and she ignored the call. Then they deleted the document I was to sign and threatened to see me in court. I saved the document before it was deleted and will provide it below. I created a cease-and-desist letter and replied back to their email. I received a reply stating they would not read the email and not to reply, though the original email states that was a good email to send questions to. I called them and asked for a mailing address, and they asked " Why? ". I told them it was to send a cease-and-desist and they told me they would not provide one and disconnected the call. I called back several times and they blocked my phone number.

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 2016-11-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Transaction issue

Complaint:
( 1 ) On XXXX XXXX, 2016, I placed an order with a merchant named, XXXX XXXX XXXX XXXX , XXXX ( " Merchant '' ), so that a personal service of process of legal documents could be performed. 
( 2 ) On XXXX XXXX, 2016, XXXX XXXX XXXX XXXX , XXXX informed me via email that they did not receive the order I placed online for the service of process that I requested. 
( 3 ) In a subsequent phone conversation with the merchant, I informed the merchant that, since the order was not received by them, that I wanted to cancel the order. 
( 4 ) Upon cancellation of the order that I placed and after the merchant collected my credit card information, merchant leaves a voice message and informs me that as the order was initiated and that a large number of copies were printed for the service of process, that I was going to be charged for the order even if the service of process was not complete. 
( 5 ) Merchant misinformed me as to whether he received the order that I placed. Merchant collected my credit card information and because the order was canceled after merchant informed me that he did not receive my order, he proceeds to charge me in the amount of {$58.00} for an excessive amount of copies that did not have to be printed as merchant alleges. 
( 6 ) The service of process was not properly being completed by merchant as the original order indicated that the attorneys for the defendants ( a single party ) was to be personally served and consequently the number of copies merchant alleges to have made was not required. 
( 7 ) A second order was previously placed by me in the amount of {$74.00} for which the merchant also had not charged me for. 
( 8 ) On XXXX XXXX, 2016, I inquired via email with merchant to determine why I was n't charged. 
( 9 ) Nevertheless, as merchant fulfilled the terms of this order, I informed merchant to charge my credit card. 
( 10 ) Merchant charged my credit card a total of {$130.00} for both of the orders that I placed, but the amount in {$58.00} was unauthorized.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-14
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
There is a fraudulent XXXX XXXX credit card that still appears on my account. I repeatedly told XXXX XXXX that this credit card is not mine and fraudulent charges were made to it. XXXX XXXX did nothing, absolutely nothing, to help me. THIS FALSELY ALLEGED DEBT IS OVER SEVEN YEARS OLD AND MUST BY LAW BE REMOVED FROM MY CREDIT REPORT. I DEMAND ITS IMMEDIATE REMOVAL FROM ALL OF MY CREDIT REPORTS ASAP. I will never work with XXXX XXXX again and will warn all others to stay away from this predatory lender. I will tell my story to everyone to discourage them from getting any financing or banking with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
For several months, i have asked the bureau to provide me with proof that the unverified account belongs to me. i have asked several times, over several months for them to produce me with documentation that bears my signature, that shows a binding agreement by myself and the creditor on my credit file. The bureau has failed to provide documentation and only respond back with a generic " verified '' response. They havent indicated how it was verified, or whom they spoke with and what information was shared with them that shows it is verified. i believe that this is in violation of my rights. I believe this is in violation of FCRA.

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 2019-12-08
Company: EQUIFAX, INC.
State: FL
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:
Upon checking my credit, I noticed 2 accounts reporting from XXXX XXXX XXXX. Subsequent to noticing these accounts, I sent over validation of debt request to this agency for accounts : Account- XXXX {$700.00} Account XXXX {$670.00} I was not sent validation of debt from this company. As a consumer I then disputed this account with Equifax on dispute confirmation # XXXX, on XX/XX/2019 I received back the results of this dispute and the collection agency stated on these 2 accounts that the " The information you disputed has been verified as accurate. '' As a consumer I find this peculiar because the collections agency was unable to validate the debt. I then sent the credit reporting agency request outlining my rights as a consumer under 15U.S.C 1681, FCRA 611 ( a ) ( 7 ) in this letter I requested that the credit reporting agency send me a complete description of how this account was validated. I requested to names and contact information for whom the reporting agency spoke with, as well as a copy of all documents provided to them from the collection agency to which they are still reporting. I received nothing but a generic letter that basically stated the very same thing that the erroneous dispute did, just that the account was verified. As a consumer I am following up on my next course of action which is to file a complaint with you in regards to this issue in hopes this will get resolved and I do not have to move to the next step of filing a lawsuit which I completely intend to do as these accounts are having a negative effect on me as a consumer and these accounts are in error and the credit reporting agency is not following the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13
Company: CITIBANK, N.A.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
The CitiMortgage Notary Signing Agent came to my home on XXXX. We signed the loan docs and were complete by XXXX XXXX. that same day. 
Although the loan was a cash out refinance that I had to complete a plethora of paperwork to be approved, at no time did anyone from Citi, or XXXX, inform me or ask me how I wanted the proceeds distributed and in the past when I have closed on loans, proceeds were distributed at closing. 
Imagine my surprise when at closing the Notary Signing Agent did not have a check for me. 
Instead, she provided me with a document asking me how I wanted the proceeds distributed. Had this document been provided to me before the closing I would have stated at closing. After having my hand forced by not making this election prior to closing, my choice was ETF. Electronic Transfer of Funds. 
I was very displeased with the proceeds not being distributed at closing and not having been told about this prior to closing. 
Citi Mortgage funded my new loan on XXXX, as of this writing my proceeds are still outstanding and have not been disbursed to me or my bank despite my requesting etf and providing all banking information. 
Although I am now responsible for paying back this loan as of XXXX/XXXX/15 I still have not received the cash that was due and payable to me at closing on XXXX/XXXX/15. It has been a little while since I did a refinance this does n't seem right. Do they owe me interest like I had to pay daily interest on the loan amount?

Company response to consumer: Closed with monetary relief