BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
These companies are deliberately giving consumers the run around. I consistently can not get access through either XXXX or TransUnion. XXXX seems to be the only one that works. XXXX literally makes you FAX information. I do n't have access to such outdated technology. XXXX does allow you to still submit disputes online, but when you actually try to submit the forms, it does nothing! No submit, no nothing. You just stare at the form some more. There are n't that many fields, I can see them all - none are empty. In addition the address field is n't actually long enough to put in my address - if they meant these things to actually work, you 'd think that would have come up before now. " XXXX '' is n't exactly the longest street name in the world. In my opinion, these forms are made deliberately inaccessible and unfunctioning so that people will simply give up. When is the last time you 've ever tried it out not using some dummy account they gave you for demo purposes? My report is so messed up that I probably wo n't be able to buy a starter home despite the fact that I have $ XXXX in the bank, and I can not easily fix it. If you want to know why the housing market is terrible, perhaps it 's because people like me have had their scores messed up by shoddy reporting, and perhaps do n't want to jump through hoops of fire using outdated technology and snail mail just to prove to some garbage in garbage out, soulless algorithm that we meet high standards, particularly when the credit reporting and website experiences do not meet the lowest possible standard - that is, they function. When you consider how much rides on these scores, it does n't give me a whole lot of confidence in the entire system. Not sure why I 'd really want to buy in at all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: Radius Global Solutions LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2021, I noticed a debt on my credit report being reported by Radius Global for a debt of {$100.00} in collections In an attempt to settle this debt I contacted XXXX, they made me aware that this specific debt has been sold to Radius Global Solutions. I did not authorize the sell of this account to Radius Global Solutions, I have not done any business at the address listed with this account nor do I owe Radius Global Solutions. I have since mailed via certified mail requesting proof of this debt. As of XX/XX/2021, no response has been received from Radius Global Solutions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I have requested my annual free credit reports from Equifax , XXXX and XXXX ; I received my credit report from XXXX XXXX, 2015 and sent back disputes in XXXX, 2015 never heard another word. 

I sent in XXXX request to Equifax , XXXX never heard a word or the free annual credit reports. 

I would like my free credit reposts and I would like XXXX to take my disputes seriously and reply. 

XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: Empowerment Ventures, LLC
State: NY
Product: Prepaid card
Sub-product: Payroll card
Issue: Fraud or scam

Complaint:
I opened RUSHCARD and had paycheck go direct deposit on card for my first deposit, which applied on XXXX XXXX, which I assumed until i tried to pay for gas to get to work. When I called customer service was told just wait a day or two since they were trying to update system. On many fail attempts was unable to pay bills, provide food for my family nor pay for my rent. My card kept appearing inactive online and made several phone calls that card was inactive and not able to be used. It took me 8 days for my paycheck to post and was only able to use a part of it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-21
Company: ProCollect, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX, I noticed XXXX collection accounts showed up on my credit card report from XXXX ( procollect.com ), and these debts do not belong to me. Someone stole my information and used it info sign the lease. 

I immediately contacted them and asked them to remove these accounts under my name, they asked for a police case ID, and I provided it. However, XXXX months later, these accounts are still under my name, hurting my credit score.

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 2022-11-21
Company: HILLTOP HOLDINGS, INC
State: UT
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
The company trapped me in a high interest loan without a credit check or an income verification, i was told it was a temporary loan until i was approved for a different company which i could not get approved due to credit and not making enough. I was responsible for {$3000.00} a month on a XXXX XXXXXXXX monthly income. I begged and pleated for a loan modification so i would'nt lose my home but he refused to talk to me or work with me. I know there are laws in place to protect against this type of happenings. What can i do?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been stolen. I received a court document stating I owe {$3500.00} from Mid Land Credit Company. I have knowledge of how, when or where this account came from. I am not responsible for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I received a letter in the mail from a car loan company saying I was denied a loan that I never applied for. In the letter is my name and the last XXXX numbers of my wife 's social security number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
On previous trips to XXXX, I have used my Bank of America ATM card to get cash at various ATMs. In XXXX, I have used XXXX XXXX, BoA 's partner bank there and never had a problem. As a result, on my recent trip to XXXX, I took little cash because I knew that I could get cash from the ATM. In fact, one of the reasons that I have a Bank of America ATM card is because I was assured by the bank that it would work overseas. 

On arriving in XXXX XX/XX/XXXX, I tried my ATM card at a XXXX branch and the machine indicated that the transaction could not be completed. I tried at other branches of XXXX as well as at other banks with the same result. On the chance that something was wrong with my card, I tried my wife 's card ( we are on the same account ) and that did n't work either. At the time, we had a balance in our checking account of more than {$10000.00}, so it was not a question of insufficient funds. I called Bank of America from XXXX ( at substantial cost to me, given international rates ) and after the usual voice mail tree, wait, prolonged identification process, and a transfer, got to a person to whom I explained my problem. Her response was that the chip in my ATM card was so sophisticated that the XXXX banks could n't process it. This, of course, is ridiculous ; XXXX has been using chip cards for several years and my chip card from XXXX XXXX worked fine for charging items. She also indicated that there was nothing that Bank of America could do for me to get me a card that worked, or to get me funds. Before I left for XXXX, I filed a travel notice with Bank of America, indicating that I would be using my ATM card when overseas. Although BoA did tell me that there would be a 3 % transaction fee, there was no indication that my card might not work. So here I was in XXXX at the beginning of a two week trip with little cash, and no one at Bank of America was prepared to assist me. Fortunately, XXXX XXXX, a company that seems to care about its customers, arranged to get me the cash that I needed for my trip. 
Clearly, in providing my wife and I with an ATM card that would n't work overseas ( it does work here in the states ) and refusing to even tell me why this happened or whether it will happen again the next time I go overseas it seems to me that Bank of America has engaged in fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-28
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: Investigation took more than 30 days

Complaint:
I submitted a request for validation on a few accounts being listed on my credit report from the bureaus and have not received a single response. All I want is to confirm these accounts have been fully verified and the method of verification to ensure these are my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
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: Investigation took more than 30 days

Complaint:
I submitted a request for validation on a few accounts being listed on my credit report from the bureaus and have not received a single response. All I want is to confirm these accounts have been fully verified and the method of verification to ensure these are my accounts.

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 2022-11-21
Company: Suttell, Hammer & White, P.S
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Suttell Hammer & White XXXX filed suit again me with a summons on XX/XX/XXXX. XXXX requested. Last hearing was case management on XX/XX/XXXX with this debt collector requesting continuance to XX/XX/XXXX reason to investigate an alleged request for hardship repayment knowing I never requested such a thing. Never spoke to anyone either regarding any request for repayment especially since I requested trial and was supposed to have trial XX/XX/XXXX. This debt collecting firm as of XX/XX/XXXX is required to have a license to do business in California however as of today, XX/XX/XXXX, they DO NOT. They have violated XXXX XXXX and new debt collection laws of California. They requested continuance to XX/XX/XXXX attempting to stall case to have chance to send what appears to me to be a forged letter from XXXX XXXXXXXX XXXX ( whom theyve claimed to have been representing since filing suit XX/XX/XXXX ) I received XXXX day after last hearing on XX/XX/XXXX, stating since they cant reach a repayment agreement they are NOW ASSIGNING the accounts to Suttell and Hammer and White. XX/XX/XXXX, I received updated letters this time they changed their DBA name from Suttell Hanmer and White to Suttell and Hammer. IMPORTANT POINT : PLEASE NOTE THEY LEFT OUT ON ALL LETTERS XXXX XXXX identifies which state they are licensed in. XXXX  XXXX or XXXX. are assigned to do business in certain states. Suttell & Hammer clearly violated my rights in many ways including no license number on any documents sent to me, not disclosing how to dispute any debt. Please note 2 days after my last complaint dated XX/XX/XXXX, on XX/XX/XXXX, XXXX XXXX XXXX Attorney based out here in California and who appeared at trial conference hearing in XXXX XXXX XXXX XXXX requesting time for hardship request, sent me a request to dismiss not stamped or filed by court but completed with her signature on it. Clearly attempting to make it go away without judge seeing facts in this case. Now why would she request a dismissal less than a month after her lie requesting a hardship request knowing there was never one and trial conference set XX/XX/XXXX? Also plaintiff XXXX XXXX XXXX advised me XX/XX/XXXX, and on another call I made to them XX/XX/XXXX, that they assigned these accounts to a new agency to collect called XXXX on XX/XX/XXXX. I would think BXXXX XXXX XXXX KNOWS they are being represented by Suttell and HammeXXXX but they decide to assign to XXXX before a trial??? I do not think so!! They are not licensed to do business here in California however are still doing so!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25
Company: Mendelson Law Firm
State: MS
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I received a letter stating that I would be sued for an outstanding balance on a hospital bill in XXXX of 2016. The number to the Mendelson Law Firm was listed as a contact to set up payments before the said court date and I have been making monthly payments with this firm since XXXX of 2016. My issue is that there have been several inconsistencies regarding my account and when I ask questions for clarity, the staff just give me the run around and are extremely rude. Every time that I call the firm to make a payment, they always ask me for my routing number, my bank account number, my social security number, and they even went so far as to ask who I am banking with. As debt collectors, that is a violation of the FDCPA and I am aware of my rights. I do not understand why such personal, sensitive information is required just to make a payment on a hospital bill. When I ask them to explain to me why it is necessary for them to have this information, they put me on hold for prolonged periods of time and the responses are vague and rude. They wo n't allow me to speak with anyone else other than this rude rep who goes by XXXX with no last name, which I find highly suspicious. They will not send me confirmation receipts of my monthly payments anymore. When I ask, they tell me that they will send it out within 7-10 business days and I never receive anything. The balance is listed on my credit report so I called the number provided under the account and the rep said that no one is listed to collect the debt except for them. This really makes me think that this Law firm/debt collector is fake and I do n't feel comfortable paying them another penny and I wo n't. I know that the debt is real. I just do n't believe that Mendelson Law Firm is supposed to be collecting on it. They have a rating of XXXX stars out of XXXX on every site I have researched them on and they are not an accredited business. This needs to be investigated. I 'm afraid that they will drain my personal account dry if I do n't continue to make the payments. I feel extremely helpless. There is no way that I owe two companies for payment on the exact same hospital bill.

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 2021-09-28
Company: GUARANTEED RATE 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: Problem with personal statement of dispute

Complaint:
I received a letter of denial from Guaranteed Rate Affinity. In the letter it reads. Disclosure of use of information obtained from an outside source. 

The outside reporting agency is. XXXX XXXX XXXX. This agency listed my credit worthy from XXXX, XXXX and XXXX. 

It states under XXXX : Serious delinquency, number of accounts with delinquency. 
Under XXXX : Serious delinquency, number of accounts with delinquency. 
Under XXXX : Derogatory public record or collection filed, length of time since derogatory public record. collections too short. 

I contacted XXXX and I was told to contact XXXX, XXXX and XXXX. Non of what XXXX report to Guaranteed Rate Affinity is true. I received copies of my credit report and none of what XXXX reported is on my credit report with XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: Support Collectors, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Creditor Information SUMMIT ACCOUNT RESOLUTION XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Never received any documentation in this debt. This debt continues to be unvalidated.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11
Company: AMERICAN EXPRESS COMPANY
State: MT
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
I previously opened up an American Express prepaid card. I had an unused credit balance. Amex decided to charge a monthly fee or I could avoid the fee and close the account. As the account was very old, the address was incorrect. I attempted to update the address and close the account but Amex refused to allow me to do so. Amex told me I had to send them a copy of my id and a bank statement to update the address, which I refuse to do. Or I could leave the account open and my balance would be reduced by their monthly fee until it was diminished. 

This is outright theft of my money, regardless of how small the balance is. I will never never never never ever give Amex my bank statement to a non Amex bank account. Amex chose to change the terms, I chose to close the account, they are refusing to allow me to do so and the CFPB just sits by while they do it .... 

To Amex 's financial gain. This system allows Amex to hold on to client account balances, refuse to close them, and then take the balances XXXX fee at a time until the money is all theirs. All that have to do is put onerous or burdensome or invasive account verification strong-arm tactics in place and then people wo n't get their balances and then Amex fees will obliterate client balances until they are gone. Really, nothing short of a CFPB sponsored swindle ... 

Once again ... CFPB = XXXX CONSUMER PROTECTION. Quote me on that ...

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: ARVEST BANK GROUP, INC.
State: DE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I own a home that I am having a difficult time paying the mortgage on, I have tried several times to file for hardship towards the home and have filled out all the documents to the best of my ability. I have submitted and resubmitted all the required documents prior to the deadlines and each time I am told I have missing documents. I 've mailed in the documents, scanned and emailed the documents and they still do not reach the right person or department and then I am denied assistances. I am NEVER able to speak to the person requesting the documents directly I am always told they are NOT available. When I file complaints then I get nasty letters stating I am a liar and that my complaint is baseless. I can not get this my mortgage company to help me in any way. I am about to loose my house, the renters that where in my home skipped out on 2.5 months of rent putting me in a bind. I am currently only working XXXX part- time jobs and can not make up the missing monthly payments so I applied for hardship. I do not have a phone as I am unable to pay for a cellphone or monthly service. I am living paycheck to paycheck and am so tired of the run -around. I need help, this company does not want to help or allow me to seek help and I am out of options to do anything anymore. My credit is in the toilet I have no savings, no hidden money or agenda I need help and all I am getting are doors slamming shut and I am sorry you do n't qualify. My mortgage company refused to help nor can they find any of the documents I have emailed and mailed to them. They claim I never did and I can show that I did. Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: FRESNO CREDIT BUREAU
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On or about XX/XX/XXXX or XX/XX/XXXX I had XXXX ; I signed all the necessary paperwork at the hospital. Around XX/XX/XXXX my wife and I pulled our credit report to see what was on it and I noticed I had a debit from affiliates in imaging out of XXXX, CA ; I was unaware of the debit was under the impression my insurance handled it since I did not get any notice from the company. I have asked for verification of the debit and was sent the last page of the hospital stating that it will contract out services. I tried to contact the Contractor that was original creditor and was told to contact Credit Bureau USA. They have sinced contacted me with the following information signature page from the hospital, payments made to the affiliates. The Collection Company " Creditors Bureau USA '' is NOT a Contractor of XXXX XXXX Hospital, therefore I do NOT owe them anything. I am asking for them to remove the derogatory marks from all my credit reports.

Company response to consumer: Closed with explanation