BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-04
Company: Experian Information Solutions Inc.
State: TX
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 obtained my credit report and notice that their was multiple inquiries I did not authorize. I then proceeded to contact the company who ran my report and ask them to delete the inquiries and I was advised to contact the Credit Bureau so they can dispute the inquiries and take them off. I sent out a multiple removal inquiry letter to all   3 b u reau 's and received notice on XX/XX/XXXX  that they can not dispute the information for me until I contact the company who ran my report to delete them. Which is why I sent out the letter to them because I had already contacted the companies with no success. These inquiries have no active account or contract. Below are the bureau 's i attempted to dispute these inquiries that were not authorized along with the company name and date.  <P/>  XXXX   XXXX   XX/XX/XXXX   XXXX   XX/XX/XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XX/XX/XXXX   XXXX   XX/XX/XXXX   XXXX   XX/XX/XXXX   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   XXXX    XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX  / XXXX  XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX  XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX   XXXX /  XXXX     XX/XX/XXXX   XXXX /  XXXX    XX/XX/XXXX   EXPERIAN   XXXX   XXXX   XX/XX/XXXX    XXXX   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    XX/XX/XXXX   XXXX /  XXXX     XXXX   XX/XX/XXXX   XXXX   XX/XX/XXXX   XXXX / XXXX   XX/XX/XXXX  XXXX /  XXXX    XX/XX/XXXX   XXXX / XXXX  XX/XX/XXXX   XXXX   XX/XX/XXXX   XXXX   XX/XX/XXXX   XXXX / XXXX   XX/XX/XXXX   XXXX   XXXX    XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX  AND  XX/XX/XXXX   XXXX   XXXX    XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XXXX    XX/XX/XXXX , XX/XX/XXXX  AND  XX/XX/XXXX    XXXX   XXXX     XXXX   XX/XX/XXXX   XXXX   XX/XX/XXXX , AND  XX/XX/XXXX  XXXX /  XXXX   XXXX   XXXX    XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX /  XXXX   XXXX   XXXX    XX/XX/XXXX   XXXX   XXXX    XXXX    XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX    XXXX    XXXX   XXXX   XX/XX/XXXX   XX/XX/XXXX , AND  XX/XX/XXXX    XXXX     XXXX    XX/XX/XXXX , AND  XX/XX/XXXX  XXXX / XXXX   XX/XX/XXXX  XX/XX/XXXX  AND  XX/XX/XXXX   XXXX /  XXXX     XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: T.S. Holdings
State: SC
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I reached a buyout agreement with The XXXX in XXXX of XXXX, the agreement was Id give 60 days notice and pay the rent owed during that time, once that time frame was up Id owe an additional months rent of XXXX and the manager at that time, XXXX XXXX advised I could even set up a payment plan if need be. I pay XXXX on full, XXXX in full, and the rent for XXXX was prorated based upon the date I gave notice. We moved and Id tried establishing the payment plan with XXXX, Id left the area to work out of town for a while. She kept putting the matter off, and we soon found out shed quit. The new manager stated she had no knowledge of the buyout and that shed moved me out of an apartment on XX/XX/XXXX but wed left in XXXX. They refused to adhere to the buyout agreement that was with their previous agent XXXX XXXX and began running a total again. The remainder of XXXX, XXXX, and XXXX, even though their manager admitted to allegedly moving me out. I have screenshots and emails of everything, even their website prorating XXXX rent. And the payment being made and is owing zero. I believe this to be retaliation from a legal matter we had months prior, they were the victims of a theft and had several money orders stolen and cashed. As a result they tried to charge us for their theft, we refused and they tried to evict us for XX/XX/XXXX rent. The judge found in our favor and they still kept that balance there for months, we had to contact the judge in order to have the complex remove the balance that wed legally established we did not owe! I still have a copy of the judgement as well. They sent the present matter over to IQ data, I disputed this using the method they provided. The apartment complex nor their corporate office ever responded to the dispute, IQ data kept calling stating I owed a debt even though I was in an active dispute period and their client never responded, they admitted as much on their recorded line. I disputed this matter in XXXX of XXXX with IQ data and their client The XXXX a living well homes community has still yet to respond, but IQ data placed the disputed matter on my credit report even though I supplied them with evidence supporting my argument and their client never provided a debt validation. This has caused my family and I to have to rent hotels spending mountains of money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-02
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I am disturbed that you continue to list the dismissed bankruptcy as confirmed. 

Although it is your policy to keep reporting bankruptcies which are filed or adjusted for XXXX XXXXs, the Fair Credit Reporting Act mentions nothing in XXXX XXXX relating to Bankruptcy about dismissals or filings. 

The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: ERC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter in the mail on XX/XX/2218 from ERC stating I owed a debt to XXXX XXXX in the amount of {$150.00}. I called them and they had no information to tell me about this debt. I than called XXXX XXXX and explained what was going on, I gave then the info reference # XXXX   from the letter. XXXX XXXX has no information of me having a XXXX XXXX   account on my own, I have been on my mothers account of which XXXX XXXX  checked and showed proof of no other account. I want this fake debit removed from my name and credit report. XXXX XXXX XXXX   1XXXX XXXX XXXX XXXX MD, 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 2020-12-24
Company: CITIBANK, N.A.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX : I set up a payment plan to take money out of my card with routing and account number ; and I specifically told them to take it out on the specific date. They took the money out on a Sunday ; the day before I had money in the account ; and the amount did not go through ; They did this on their own accord because they are so greedy and ruthless ; they did not do what the client asked them to do. Since they did not get the payment ; I have a call from them everyday harrassment ; Monday through Sunday ; every day calls ; I answered one call and told them they could take the money out of the account I previously gave them ; and they told me I had to do the process all over again ; since they did not get the money off the card because they drafted the money too early ; they canceled the payment agreement altogether. Now I have to be on the telephone with them for at least an hour with their abusive collection tactics. They repeat themselves over and over again with a recording ; telling clients what they are doing over and over again. Each time they give me an Agent to work with me ; then when I call ; they say OH ; that Account Manager no longer handles your account. 

They have very abusive tactics and need to be reprimanded for what they do to their clients by repeated phone calls greed into customers payment plans. They always want a checking account and routing number to pull from your account ; No mail payment plans ; They are sharks or the XXXX I don't which one. 

Please assist in this devastating collection crew!!!

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 2022-04-08
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Im requesting a deletion from Fair Collections and Out. I have requested a copy of the original contract between me and the Overlook who is the Alleged original creditor. I still havent received any proof of any contract with either party and its been over 60 days. The is has been an inconvenience to my life and I with like to be compensated

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 2017-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 obtained my credit report and notice that their was multiple inquiries I did not authorize. I then proceeded to contact the company who ran my report and ask them to delete the inquiries and I was advised to contact the Credit Bureau so they can dispute the inquiries and take them off. I sent out a multiple removal inquiry letter to all 3 bureau 's and received notice on XX/XX/XXXX that they can not dispute the information for me until I contact the company who ran my report to delete them. Which is why I sent out the letter to them because I had already contacted the companies with no success. These inquiries have no active account or contract. Below are the bureau 's i attempted to dispute these inquiries that were not authorized along with the company name and date. <P/>TransUnion XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX AND XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, AND XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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, XX/XX/XXXX, AND XX/XX/XXXX XXXX XXXX XX/XX/XXXX, AND XX/XX/XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 2021-11-15
Company: Netspend Corporation
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I discovered two charges that I had not made nor authorized. When I called my card company they advised me to dispute the charges and file for a provisional credit which I did. I did exactly what they told me to do and then they close my account without any warning or explanation. I cant even access any of my statements including The one that has the charges in question. And then to add insult to injury, they blocked my access to the account altogether so I cant even get a print out of the charges in question nor can i get a print out of my last month or two statements so i can contact all my bills that normally come out of this account and try to switch them to another payment method. They told me that because my account was closed there was nothing I could do. I couldnt do anything on a closed account. ( But it wasn't a closed account until they closed it after ) It also doesn't help that you are reaching a call center in a different country and there is a very large language barrier and the people who answer the phone aren't really allowed to think. They are only allowed to follow a script. Not everything is black and white. Not everything fits nice and tidy into a shiny polished little box They even closed out another account that wasnt even mine but i was listed as an authorized user. That account had been opened for over 10 years and they closed it because someone stole money from me and when i called for help i did what i was told and got punished for it. This is terrible. 

The bank is XXXX ( Netspend card )

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 2021-11-15
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My loan was originally with XXXX XXXX  when I started my foreberance back in XXXX of XXXX. I was in foreberance for 5 months and then started my payments again. I submitted all the paperwork requested at that time and was informed that the loan modification takes about 30-45 days. I have continued to make all my paymemts to date and have called weekly for updates. XXXX never completed the process that year and then moved my loan to Myloancare as of XX/XX/XXXX. I continued to call weekly for updates and was reassured everything was fine that they are back logged due to XXXX. They pulled my title in XXXX and that was as far as they got. Kept getting the run around as I called weekly. Some of their associates couldn't believe what I was going thru and escelated my file several times. Now we are in XXXX of XXXX and they are requesting all new paperwork because the original is out dated. Also I just teceived a formal letter of intent to foreclose. I have filled out a whole new packet and sent everything again to do my part. I have never heard of any company taking over a year to process a loan till now.

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 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX XXXX XXXX XXXX Has violated my right to privacy according to The Fair Credit Reporting Act under 15 USC-1681B Section 602A.XXXX XXXX XXXX has also violated my right under 15 USC-1681A Section 604A Section2 which also States a consumer reporting Agency can not furnish an account without my written instructions. This account is at a {$0.00} balance no further obligation on this account XXXX XXXX XXXX have not given a 1099-C form for filing as I am Required to file on tax forms in which would be counted as income. I have no other obligations to this account and is at a {$0.00} balance. This has been an embarrassment as well as a hinderance for my family and I moving forward in being Qualified for possible Mortgage lenders.

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 2022-03-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
- XXXX XXXX XXXX  XXXX XXXX XXXX closed the account XXXX Portfolio Recovery Associates reported the debt as a new collection- I never entered into a signed agreement with Portfolio Recovery Associates to pay the debt - Portfolio Recovery Associates filed a lawsuit in XXXX County Magistrate Court

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: EQUIFAX, INC.
State: SC
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:
EQUIFAX CONF # XXXX REP : XXXX XXXX XXXX {$810.00} IS STILL REMAINING ON MY CREDIT FILE AND PER THE FTC REPORT NEEDS TO BE DELETED/REMOVED AND BLOCKED ALONG WITH LISTED UNAUTHORIZED HARD INQUIRIES : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, FXXXX XXXX # XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX DBA XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX. **UNAUTHORIZED HARD INQUIRIES PER FTC REPORT TO BE DELETED/REMOVED & BLOCKED. THE ABOVE UNAUTHORIZED FINANCE ACCOUNT AND ABOVE LISTED UNAUTHORIZED HARD INQUIRIES STILL REMAIN ON MY EQUIFAX CREDIT FILE AND IS HURTING MY CREDIT. EQUIFAX PREVIOUSLY TRIED TO STALL ON THIS IN THE PAST AND NOW I ONLY FEEL COMFORTABLE WITH FILING A COMPLAINT AT THIS POINT TO ASSURE THAT THESE THINGS ARE DELETED WITHIN 5-7 DAYS PER THE FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-12
Company: Guild Mortgage Company LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/2021, I began working with Guild mortgage. We were initially working towards a VA loan but after months of looking at that, were told that if we were able to come up with 5 % down that we would be qualified for a conventional loan. I came up with the 5 % through documented back wages that were owed to me and contact the company. I never heard back other than to question the source of the wages which I explained. I still never heard back. I found a house and submitted an offer and when the realtor messaged the mortgage broker to see where we were on the prequalification process, the broker directly called back to inform her that we have been denied. We were not informed of that. I had not heard back since explaining to XXXX where the wages came from. I feel there was a breakdown in communication and relationship happened when we were told to go for the conventional versus the VA. 

I became very upset and stated to XXXX this is too much, I need a break, thank you for your time before hanging up abruptly and at that point, I only dealt with XXXX and with an average four day wait in communications and was then denied a loan without being notified notified. 

I feel that at the point I hung up the phone abruptly, and emailed XXXX explaining my personal situation, that XXXX personally felt she had the power to contribute to extreme horrors in my life and opted to do that rather than just telling us we were denied for a loan and allowing me to part ways and go to different alternatives. 


After being denied the loan according to the realtor, XXXX who was emailed by the realtor, messaged me to explain that XXXX would be reaching out. I waited the entirety of the rest of the business day and I made four calls to the business and XXXX cell phone that were all unreturned. Its clear to me that the breakdown of communication was extreme and just not stated. 

It is noted and identifiable that I am an XXXX woman from outside of the area and I feel that preconceived biases about race allowed my asking for a break to be interpreted as aggression which then led to me being denied a loan and not even told about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX XXXX XXXX XXXX Has violated my right to privacy according to The Fair Credit Reporting Act under 15 USC-1681B Section 602A.XXXX XXXX XXXX  has also violated my right under 15 USC-1681A Section 604A Section2 which also States a consumer reporting Agency can not furnish an account without my written instructions. This account is at a {$0.00} balance no further obligation on this account XXXX XXXX XXXX have not given a 1099-C form for filing as I am Required to file on tax forms in which would be counted as income. I have no other obligations to this account and is at a {$0.00} balance. This has been an embarrassment as well as a hinderance for my family and I moving forward in being Qualified for possible Mortgage lenders.

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 2018-04-12
Company: BB&T CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX has filed false charges with the XXXX police department, XXXX XXXX XXXX, of XXXX XXXX failed to route my Cashier checks through the Federal Reserve. XXXX XXXX XXXX has failed to honor my Substitute Check Rights. Included with this filling is a copy of the substitute check the XXXX XXXX XXXX, failed to disclose.

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