BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-21
Company: Experian Information Solutions Inc.
State: CA
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:
my home loan officer had ran my credit for the following mortgage loan companies without my consent XXXX XXXX XXXX : XX/XX/XXXX, XXXX XXXX, XXXX, XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, also a XXXX  XXXX XXXX credit card was applied for online without my consent on XX/XX/XXXX XXXX was ran on m y credit when I was getting a cell phone without my consent as well on XX/XX/XXXX Also, when I went to the dealership XXXX of XXXX ran my credit through XXXX XXXX XXXX on XX/XX/XXXX and XXXX XXXX XXXX XXXX  without my consent when they said they were not going to pull my credit report. I was inquiring how much my payment would be if I bought a car with them.

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 2018-01-23
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Sent a letter on XX-XX-2018 to validate the debt. Fair Collections and Outsourcing sent a letter stating that I owe XXXX not Fair Collections and Outsourcing. The amount was different. It says I owe XXXX on my credit report. In the letter it states I owe 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 2016-07-18
Company: Diversified Adjustment Service, Inc.
State: TX
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 had a strange issue going with XXXX XXXX that created a need to change services. I was happy with XXXX, and would still be with them, but when clients were calling my phone they would get a NOT A WORKING NUMBER message. After several months of their attempt to find the problem a senior engineer acknowledged the issue but was not able to correct it. I had to file with the FCC to get released from the contract and credited for phones we had purchased as potential solutions. FCC Ticket number XXXX. We were released from the contract, paid the outstanding bills and returned the phones. 

I was denied a loan for my business because of the negative hit placed on my credit by Diversifed Adjustment XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MN XXXX. I called and attempted to get it resolved with them but the CSR claimed they intended to collect to remove it from my credit report. 

I would like to hold them responsible for the damage done and the lost revenue to my company due to this false claim. 

XXXX is a great company with some issues that they could not repair. They also have a bad return acceptance department as this is the second time they claim not received phones when they have been returned. 

As a note we purchased XXXX or XXXX phones within months in an attempt to correct the false call message to no avail We were left with no alternative but to switch services. 

Diversified is a collection company that is not willing to listen and the rep became stubborn and insistent that the bill was owed and nothing said or presented was going to change that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX is an open complaint. mr. Cooper sent me a letter asking me to contact them regarding the issue. I sent them an email with the issues in response. They did not respond. I sent an email asking them to validate receipt. They did not respond. I copied the CEO, and top level execs, and they did not respond. They are not responding to the issue. I could not update the complaint. I have attached a copy of what I sent in response to the above complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I was having difficulty accessing my accounts with Santandar through their online banking. I called the XXXX XXXX on the recorded line. After identifying myself through their automated system and changing my pin #, I was connected with XXXX, a represntative. I reviewed my difficulty with XXXX and he asked if he could ask me questions through public recored to confirm my identity. Although, I was confused why they would use public record as a means to confim my identity, but nevertheless I agreed. He asked me my name, address, and social security number. After a pause, he stated that he could no longer help me and that I needed to go to a branch. I was astonished that these were the " tough '' security questions that he asked and even more surprised that his service solution was for me to leave work and go to a branch. Clearly those questions are the very bare bones of identifying someone and I expected a deeper inquiry but received none. I asked to speak to a supervisor and XXXX stated that the supervisor would only state the same thing he did and that XXXX ( actually XXXX ) did not wish to take my call. I insisted and asked to wait to speak to a person in charge. i re-iterated that I did not wish to cause any trouble but wanted help to my issue and not deal with a branch. XXXX eventually picked up my call after the transfer and I reviewed my issue with her. She blamed the " system '' that her and XXXX use and stated their was nothing further to be done. I begged her to please ask me more difficult questions but they declined. I was open to alternatives to resolve this but XXXX and XXXX were not even remotely interested in exploring any other means. Remember, i was able to change my pin but they could n't ask me the amount of my HELOC payment. I told them that their service was poor and uncreative in spite of a basic request. I asked for her supervisor as I desired to provide sorely needed feedback and to explore further assistance if possible. I received no name, no phone number, no email to which I could address my complaint. I did receive a Client relations address to hand write a letter to. I also asked why she told XXXX that she did not wish to speak to me and or hear about my issue. She denied that that happened and in turn made XXXX a liar. Please remember this was a recored line, so there should be no dispute about any of this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2022-04-12
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2022 Citibank blocked my account when I contacted Citibank the bank, I was told that my account is being referred for closure at that time I asked why this is happening the bank told me I will receive a letter in the mail on why, and that the account will be closed in 30-60 days and a check will be mailed out with my balance that was in the account ( XXXX ). as of now XX/XX/2022 I still have not received a notice so I dont know why the account was blocked or referred for closure each time I call I am being told that this is confidential and the account will be closed in 30-60 days and a notice will be sent and this time citibank has failed to send a notice. I am behind in bills and will like answers to why this is happening i have no letters to upload because citibank has not sent me anything

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 2015-10-14
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have been trying to close my account and the bank wo n't let me because they said that my account has to be {$0.00}. I wanted them to either send me the money back ( in form of a check ), or send me a bill for whatever amount is due. Because the account is not closed, automatic debits keep hitting the account and continuing to charge me fees. My point is that it 's a bank. Either send me a check for the amount in the account, or bill me. But I want the account closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-16
Company: CL Holdings LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/XXXX I reached out to a representative from Jefferson Capital System and set up a pay to delete. Per our conversation ( XXXX ) and XXXX ( supervisor ) stated they would be able to do a pay to delete, when I specifically asked XXXX to send me a email stating they would be able to provide a pay to delete she said they do not use emails but they can go ahead and mail me one. I let them know that I need a letter of proof they will delete it before I can make a payment. XXXX transferred me to her manager and her manager ( XXXX ) told me she will send a secured email with the payment agreement INCLUDING THE PAY TO DELETE. I set up the payment for the XXXX for the full amount and verbally verified were doing a pay to delete and it will state that on the email multiple times. Once I receive the email I log into the desktop and set my account up with them and the payment arrangement is set up as XX/XX/XXXX balance will show PAID IN FULL. I called Jefferson Capital on XX/XX/XXXX to speak to the same representatives to see why I do not have that letter like we agreed on. When I spoke to both representatives they stated they never said such a thing and that they can not send out emails/letters for a agreement of pay to delete because they send it after. I informed both of them that I want in writing that once the payment is made in full they will agree to delete it off my records and that way I will go ahead and have documentation supporting my claim in case it does not get removed. After that both reps said they do not do that per the company policy and that they will remove the collection AFTER I make a payment and they will not inform me until AFTER they remove it via mailed letter. I informed both reps that this is lying to consumers, telling them this information and then not giving them proper documentation per request and also UNFAIR tactics to get consumers to pay on debts. LYING to get a payment and making false statements and claims. At the end of our conversation I asked for them to either give me some type of letter via email stating they will delete the collection off my credit once they receive payment on the XXXX and both representatives were not able to do that because it was " against policy '' and they delete it after they payment. I went ahead and voided my charge and verified the payment plan was delete for the XXXX. This company has horrible reviews and scare tactics to get their consumers to pay. I do not appreciate being lied to and tricked into FALSE AGREEMENTS!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Regarding XXXX XXXX XXXX XXXX Credit Card from Capital One Application Number XXXX : On XX/XX/2019, I applied on-line for a XXXX XXXX XXXX Credit Card from Capital One Bank ( USA ), NA. The XXXX XXXX XXXX  Credit Card is advertised as a card for XXXX with little or no  credit history who want to build such history. My application for this card was done with that intent. Surprisingly, instead of approval, I received a Capital One letter dated XX/XX/2019 which indicated my application was denied due to too few or no accounts and/or score not available, insufficient, or unknown credit history. 

In response to the XX/XX/2019 denial letter, I wrote to Capital One seeking  the reason ( s ) for the denial. Instead of an explanation, I received a letter dated XX/XX/2019 which had virtually the same denial wording as the prior letter. This response was not helpful as I tried to understand the denial. 

I then requested my personal credit reports from XXXX, XXXX, and XXXX. I have reviewed those reports with my family and we find no negative issues other than a limited credit history ( which is not a reason for a denial of this credit building card ) which would cause Capital One to deny my application. 

I am a XXXX  with a limited credit history so I meet that criterion for the XXXX XXXX XXXX  Credit Card. I have one other credit card which is in good standing, so my limited credit history is favorable. That meets another criterion. Capital One has been non-responsive to my attempts to get clarity about the denial of my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: ACIMA CREDIT, LLC
State: MI
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:
The ACIMA appears to be a charge-off account with a specific balance of {$5700.00}. The information itself is already an error because a charge-off account should have NO balance. As per FCRA, the bureaus and the furnisher are to provide 100 % accuracy and they are required to give responses and supply documents to confirm the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: CAVALRY INVESTMENTS, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I am being charged for a debt via a card I have never used or heard of.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-09
Company: CCS Financial Services, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a notice from this company that says I owe them XXXX. I do n't know who they are or why they assume that I owe them. The notice states that whatever this is they reported to the credit bureau. The name of the debt collector is : Credit Collection Services out of XXXX, MA. The Company they are collecting for is : XXXX XXXX XXXX Co. I want some specific details on the who, what, where, when, and how. I have health insurance through my employer and auto insurance through a Company in the mid-west. I 'm going to file a complaint with the Department of Insurance as well.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: LD Holdings Group, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
This is the second email message I have received : Rate Information for XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX via XXXX XXXX XXXX ( 3 days ago ) to me Hi XXXX, New rate information has been posted. 

Please use the link issued below to obtain our new rate and contact us with any other questions. 

Check our new rate in Texas. 

Sincerely, XXXX FHA Rate Guide FHA Rate Guide XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX NY, XXXX This message is not affiliated with XXXX XXXX. 
To stop receiving our emails please unsubscribe. 
I contacted XXXX XXXX XXXX my mortgage lender and they stated this is a fraudulent email that it does not use email messages. I completed the information requested when I received the first email. Upon completion LoanDepot name showed up. LoanDepot has made several attempts to get me to make a loan from it to consolidate bills and I refused. LoanDepot stated that due to my credit score I did not qualify for refinance on my mortgage loan. However, LoanDepot continues to call me via telephone and send bogus emails. I do not know what can be done in this regard. However, any assistance you can provide is greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
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: Account status incorrect

Complaint:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX XXXX  Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
DEPT OF EDXXXX XXXX Balance : - Date opened : XX/XX/XXXX DEPT OF ED/XXXX  XXXX Balance : - Date opened : XX/XX/XXXX DEPT OF ED/XXXX  XXXX Balance : - Date opened : XX/XX/XXXX DEPT OF ED/XXXX  XXXX Balance : - Date opened : XXXX XXXX, XXXX DEPT OF ED/XXXX  XXXX Balance : - Date opened : XX/XX/XXXX DEPT OF ED/XXXX  XXXX Balance : - Date opened : XX/XX/XXXX DEPT OF ED/XXXX  XXXX Balance : - Date opened : XX/XX/XXXX DEPT OF ED/XXXX  XXXX Balance : - Date opened : XX/XX/XXXX DEPT OF ED/XXXX  XXXX Balance : - Date opened : XX/XX/XXXX DEPT OF ED/XXXX  XXXX Balance : - Date opened : XX/XX/XXXX DEPT OF ED/XXXX  XXXX Balance : - Date opened : XX/XX/XXXX DEPT OF ED/XXXX  XXXX Balance : - Date opened : XX/XX/XXXX DEPT OF ED/XXXX  XXXX Balance : - Date opened : XXXX XXXX, XXXX DEPT OF ED/XXXX  XXXX Balance : - Date opened : XX/XX/XXXX DEPT OF ED/XXXX  XXXX Balance : - Date opened : XX/XX/XXXX DEPT OF ED/XXXX  XXXX Balance : - Date opened : XX/XX/XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX AL ) XXXX : {$610.00} - Date Opened : XX/XX/XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX : {$890.00} - Date Opened : XX/XX/XXXX 2019

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 2022-02-23
Company: Experian Information Solutions Inc.
State: MO
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 am name is XXXX XXXX and as I reviewed my recent report, I have found a lot of multiple erroneous information reporting on my Experian Credit Report. I am not sure if you have conducted a thorough investigation for the multiple items stated below. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 
US DEPT ED XXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXX  XXXX  XXXX  XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} XX/XX/XXXX US DEPT ED XXXX Balance : {$0.00} XX/XX/XXXX US DEPT ED XXXX Balance : {$0.00} XX/XX/XXXX XXXX  XXXX XXXX  Reference # : XXXX Balance : {$0.00}

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 2020-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXXXXXX Ive disputed many times in all agencies the 120+ days past due

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 2022-06-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello I have been working hard on my credit this past year and learning about the FCRA. A couple of months ago i noticed i had items that was inaccurate and unverifiable on my report. I reached out to the bureaus and recieved letter 30 to 45 days later that my accounts was verified and updated. i waited 30 days to look at my file again and the items that was inaccurate still are there and they should have been deleted due to inaccurracy. In accordance to the Fair Credit Reporting Act. Futhermore 15 U.S.C 1681 section602 A states I have a right to privacy.15 U.S.C 1681 section 604a It also states a consumer reporting agency can not furnish a account without my written instructions. I have attached and circled the inaccurate. XXXX  XXXX account XXXX should be deleted the dates accurate, XXXX XXXX # XXXX dates are inaccurate, XXXX XXXX dates inaccurate, Experian Time payment has no record of my information, XXXX XXXX XXXX i was 120 days late I dont have a contract with them how can i be late on a collection, Experian XXXX XXXX  again no contract bearing my signature, XXXX  XXXX stated all late payments should be removed and lates are still showing from the pandemic my lates was excused due to covid. Experian has address that needs to be deleted.

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 2022-05-04
Company: GOLDMAN SACHS BANK USA
State: MS
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation