BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-29
Company: Regional Processing Services
State: ME
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
We received several calls on our home and cell phone from a XXXX XXXX from Regional Processing phone # XXXX, leaving a file # and saying her client had a business issue with us. My husband did finally speak with her, and was told that he took out a {$350.00} loan on line several years ago and did not pay it back, and that she could take a payment over the phone. No further details. No loan was ever taken out to his knowledge and he gave her the name and phone # of our lawyer and asked for proof of debt to be mailed. 
Just reporting the scam. Thank you! 
Just reporting

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: BTH Management
State: NM
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
The loan was for {$2500.00}. I have paid over {$6000.00}. The rates change all the time. I believe this is a shark loan. I am getting harassed by their collection agency. I stop all payments from my accounts because their taking more money every two weeks. I paid another {$600.00}. I getting calls all day at work from a XXXX XXXX at XXXX four to five times a day. The calls started on XXXX XXXX. She said she will not get off the phone till she receives a payment. The collection agency XXXX XXXX XXXX XXXX. and there email XXXX. The loan was take out XXXX XXXX. The max of interest they can charge in New Mexico is 35 %. I paid way more than 35 %.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have repeatedly tried to dispute the incorrect information with the Credit Agency 's with little to no progress. 

I began the process in XXXX of XXXX and as of XX/XX/XXXX the disputed issues that I contested are still on my credit reports. 

After ordering my detailed credit report, I disputed the records with both the issuing company as well as the credit agencies them selves. The debt agency and creditor bureaus were unable to find any information proving the accounts were mine as required by Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A of FCRA. One of the accounts in question was opened at a location and time in which it would have been impossible for me to authorize.

After Writing 6 separate letters to each credit bureau, I have been unable to receive a solution to my issues. I have asked several times for proof of the account as required by Section 611 ( a ) ( ( 7 ). The credit bureaus and the supposed debt and credit companies that issued the disputed items have not been able to provide any relevant information regarding the validity of the account. A number of the accounts disputed have no relevant account history, or history that began after my original dispute was filed after XX/XX/XXXX. Many of the accounts have missing information for several months. None of the accounts have been verified with the required supporting documentation. 

I wrote the dispute and follow up letters by hand over the last 11 months and mailed them with Registered/certified postage. I have copies of all letters and correspondence to and from the credit bureaus attached to this complaint.

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 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-24
Company: LD Holdings Group, LLC
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
In XX/XX/XXXX, I spoke with XXXX XXXX loan officer about refinancing my existing mortgage the property is located at XXXX XXXX XXXX XXXX with Loandepot. I gave XXXX XXXX my information to access my credit history. She informed me that Loandepot would be able to pay off my existing mortgage, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, My car from XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, and XXXX XXXXXXXX account. I was eager to begin the application process, and I gave XXXX XXXX permission to proceed with the refinancing application. I also communicated with XXXX XXXX. She asked me if I have homeowner 's association fees for the property located at XXXX XXXX XXXX which is the bearer of the home equity line of credit. I told her I did not have HOA fees for that property. She also asked for tax receipt for XXXX XXXX XXXX which I submitted to her. XX/XX/XXXX, I spoke with XXXX XXXX by telephone. She was going over the final paperwork before closing, and XXXX XXXX specifically said that XXXX XXXX XXXX, XXXX, XXXX, and other creditors will be paid. We never discuss cash-out until XXXX XXXX mentioned {$43000.00} on that day. Closing was signed on XX/XX/XXXX. I received an email a few days later. It stated that I should continue paying my bills until payment was funded to the creditors. I kepted checking my online banking accounts to see if my creditors were paid. On XX/XX/XXXX, I contact XXXX XXXX to inform her that my creditors were not paid. XXXX XXXX emailed me XXXX XXXX email address. I let XXXX XXXX know that my creditors weren't funded. She replied, " your mortgage is paid, and you receive cash out ''. I told her that the agreement was to pay off the creditors. I was misled through the entire refinancing process, and the ramification of their deception will set me back financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03
Company: CIT BANK, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I fell behind on my mortgage due to loss of income and my monthly mortgage payment went up ... i 've tried a loan modification many times but unsuccessful. i 'm so far behind that there 's no catching up ... i have to do a shortsale.. i have an offer on the property and there is an active shortsale but my lender tells me that they needed to have the offer at least XXXX days prior to the sale date in order to postpone the auction. the auction is scheduled for XXXX XXXX ... i need a little more time please. thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: MRS BPO, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter dated XXXX/XXXX/15 from MRS BPO, L.L.C located at 1930 XXXX XXXX XXXX XXXX, NJ XXXX. Stating that they are collecting on be half of XXXX XXXX XXXX in the amount of {$100.00}. And if I did not pay w/in 30 days the info would be place on my credit report. Indeed I did own XXXX XXXX XXXX earlier last year for a Modem, which I returned later and when I spoke with time warned I was told by their representative that my account was at a {$0.00} balance after receiving the modem. And the negative info was removed from my credit report. 

Upon receipt of this collection notice I call time warner @ XXXX and I spoke with a gentleman by the name of XXXX, regarding account ending in XXXX, who also states that my account is at a {$0.00}. I advised him of MRS attempting to collect {$100.00} on behalf of XXXX. I request for something in wring and per XXXX, at XXXX, I should receive a letter within 4-5 business days as proof that I do not owe XXXX XXXX any Money.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26
Company: EQUIFAX, INC.
State: AL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX XXXX cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Equifax is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: CITIBANK, N.A.
State: IL
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 requested a copy of the document I signed giving them the right to check my Credit. They have refused to provide proof of authorization ( which they did not have ) I never directly gave them authorization to pull my credit

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 2019-12-31
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
For my old bank account there, every month between the XXXX and XXXX there was a charge around $ XXXX {$2700.00} from XXXX XXXX or XXXX XXXX. This was every month my account was open. I never authorized any of these ACHs and would like each one to be refunded/charged back. This was for my account which was closed a few years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX, a check of {$1200.00} was about to cash from my Wells Fargo checking account. My account did not have the balance to cover so an overdraft fee was incurred. I did not write this check. After hours of communicating with bank rep over the phone, I got the image of the check, and confirmed that 's not a check from me ( not even have my name/address/signature on it ). The rep confirmed it 's a bank error/fraud, however refused to credit the fee back to my account, saying additional investigations needed. On XX/XX/XXXX, I wrote online message to the bank, bank confirmed that the executive office will follow up this case with me within two days. I have not heard anything from the bank as of morning of XX/XX/XXXX. I have no choice but filing the case with CFPB, hoping the issue can be resolved swiftly and reasonably.

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 monetary relief
Consumer complaint received 2015-04-07
Company: Concord Resolution Inc (Closed)
State: KY
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Received several harassing phone calls from persons saying they work for Concord Resolutions , Inc in XXXX NY ; however they gave a number unrecognized by XXXX XXXX or XXXX for me to call back. Caller stated that they had a client who named me as a person of interest in a legal matter. So I called back and they stated I owed a payday loan from XXXX 2013 from XXXX that was sold to their client XXXX in XXXX 2013. I asked why did it take so long and the representative stated because they tried to resolve the matter and I never responded. I have always responded to any debt I have. Apparently they called my brother and my mother ( I never give out their information nor list them on anything ) so that is a red flag. But the person stated they are going to garnish my wages if I do not make arrangements with them within 48 hours. If no response then they would send it for further legal action to be completed including jail time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Starting on XXXX there were several fraudlent transactions on my regions debt card the whole scam cost almost XXXX being owed to the bank

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 2020-08-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On or around XX/XX/XXXX I went to Capital One online to update information including but not limited to annual income and change of phone number, This caused a red flag on behalf of Capitol One and my account was summarily locked and I was unable to access my account online or use the credit card issued. 

I had contacted Capital One in XXXX and again XX/XX/XXXX in an attempt to resolve the issue during these times. In each instance I was denied any resolve due to one unattainable obstacle : 1 ) Capital  One refused to release my account without a photograph of a current " Federal Issued I.D . '' i.e. " Drivers License or State ID ''. The expired State of Michigan ID was not accepted. No other forms of ID were allowed as proof of ID. 

The Following are circumstances to the unrealistic standards that Capital One has set fourth. 

a. Health Issues : On XX/XX/XXXX I was diagnosed with XXXX and shipped to XXXX Hospitals XXXX ward and was later diagnosed with XXXX XXXX. I had spent several months fighting the XXXX and when given the opportunity in XX/XX/XXXX I updated information from banking institutions to household billing. The XXXX and ensuing treatments left me bed bound till this very day. I am unable to travel unless I am transported by stretcher via ambulance for XXXX XXXX related treatments and exams. 

It is my exertion that I am being discriminated against because health issues exclude me from participating in obtaining an ID like a healthy individual. 

b. We are in the middle of a pandemic! Even if I were healthy I find it unlikely that I would be able to obtain a " State ID '' with restrictions on public operated facilities. Moreover, due to Covid 19 the in-home services provided by S.O.S. are suspended. 

Due to this factor alone I would think that a titan like Capital One would implement something that would be acceptable for everyone and not exclude the ill or XXXX. 
In closing I would like to say that I find Capital One 's behavior depressing at best and bigoted at worse. 

I beg you! Help resolve this issue with Capital One. I have not missed one payment since this all began over a year ago. Please help me see a return on my continuing monthly investment. 

Sincerely, XXXX XXXX XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax is reporting inaccurate information on my credit file in association with an account with XXXX and is not in compliance with the Fair Credit Reporting Act. I have enclose XXXX attachments with XXXX outlining XXXX ( original creditor ) agreeing to, " waive any possible recourse as to any deficiency on loan '', if I agreed to pay a one time settlement offer of {$6800.00}. ( copy of check enclosed ) The other attachment is from my Equifax credit report. My equifax credit file is reporting, " account paid for less than full balance '', " charge-off '' and late payments. All three indicate a recourse as to a deficiency on loan. As per the enclosed agreement, any and all derogatory comments from my credit file associated with this account are to be removed since all three constitute a recourse as to a deficiency on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I filed bankruptcy in 2016, but did not include my home mortgage. I have continued to make all of the payments on time for more than a year now, but noticed that my credit score has not increased. I called the mortgage company to ask if they were reporting my monthly payments, and was informed that they are not. I was told that unless I call the bankruptcy attorney and have them submit a reaffirmation letter, that they will not report my payment information. I explained to them that I really needed it reported so that my credit score will increase, but they refused. I then contacted the attorney and told her what the mortgage company said. She advised me that I did NOT have to complete a reaffirmation, and that the company was just being difficult. She advised that I call the credit bureaus and have them assist me in persuading the mortgage company to report my monthly ( timely ) payments. I called Consumerfinance.com and was advised to submit a complaint if the mortgage company was not willing to report. I called the mortgage company and asked, once again, if they would report, and was again told no. He said that the reason was because at one time, the company had an issue where one party on the loan wanted the info reported, but the other did not. I explained that this can not possibly happen in my case because my previous wife had passed away, so there would be no one who could possibly complain should they report my payments to the credit bureaus. Again, he refused.

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 2022-07-26
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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