BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-03
Company: ASTA FUNDING INC.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I was on XXXX XXXX military at XXXX XXXX AR when I got an XXXX XXXX XXXX   phone in XXXX. For the first several months I was charged for roaming charges. Each month they would take the charges off. About 4 months later I was moved to XXXX  XXXX XXXX in XXXX XXXX. I had so many issues involving my bill and coverage I talked to XXXX XXXX XXXX  and because I was XXXX XXXX they said I would be released from the contract. On XX/XX/XXXX I find out my check has been garnished by XXXX XXXX. I called XXXX  XXXX XXXX n they all tell me the account was closed and not sent to collections. XXXX refuses to send me the Inormation about the judgement and say my debt is now {$6000.00}!!! That's a 4 month phone bill. I find out that they served the papers to my father and we didn't even live in the same state. They refuse to take my calls or answer emails. I have sent a request for all information that is required from them by law. They have not responded in a timely manner or at all. They continue to garnish 25 percent of my net paycheck even though Oklahoma law allows only 15 percent for head of household. I. Sure that this is judgement is in no way right or fair. XXXX XXXX have multiple lawsuits for fraudulently obtaining judgement including not giving notice, fraudulent evidence, inaccurate debt amounts and information, statue of limitations. They also were indicted XXXX vs Asta funding on RICO act, and lost class action. Please help me. I am a father of XXXX children and a wife all depending on my support. This is allegedly from 13 years ago

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 2023-02-09
Company: EQUIFAX, INC.
State: NV
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 the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please investigate and correct the following items immediately : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've recently disputed on my old XXXX XXXX XXXX account on XX/XX/2020 XX/XX/2020 and XX/XX/2020 and the account has not been proven to be accurately verified on all three of my credit report 's from XXXX XXXX and Equifax. This account is asking for {$280.00} but wont show proof of the account being accuarte after I've constantly have been attempting to receive accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I reviewed my XXXX credit report and I am shocked to find fraudulent accounts on my credit report. I am a victim of identity theft and I am requesting for XXXX to block and remove these fraudulent accounts within four day under FCRA 605B. I did not benefit from any of these goods or services. I have filed a police report with XXXX Police Department. I have attached my police report to this correspondence along with my FTC report. 

I also never had any credit card with Capital One Bank and XXXX XXXX XXXX. Please block and remove these fraudulent accounts immediately. Please refer to my police report for the fraudulent accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Wells Fargo was to send a settlement check. I reached out and tried to resolve. They state they owe the money but I am being redirected to other companies to address. They will not send a check. It is at least 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 2023-02-26
Company: EQUIFAX, INC.
State: GA
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 am a victim of identity theft a security breach and a mixed file. I have mailed proof of my identity several times only to be told it was never received. I have uploaded the same information through the upload portal since I do not have access to my credit profiles only to be told by some reps they see it and others they do not. I have called and spent hours over day in excess of 8 hours on some days trying to get help with this issue so it can be resolved and I can monitor my credit and begin the road to recovery from this mess. Yet these 3 agencies have not been helpful in any way. Despite me telling them I have mailed in the documents needed and uploaded them which has put this correction to my report and deletion of any file that has information that does not belong to me, they refuse to assist me and continue to tell me to mail in forms that will take an additional 30 days probably to receive and another 30 days to process if they even get to them at all. So if they never get them and I have waited 30 days to check now I have to send in the forms via mail again and wait another 30 the same as I have been since XXXX of 2022. I have requested help to make my online profile and account accessible to me and that has not been done. My account is unable to be verified online since they have my information mixed with someone else 's so when the systems try to authenticate me the authentication is unsuccessful. Despite this being what these companies should be able to do no one has been able to resolve this issue and provide me access to my credit reports then when I ask for them to be mailed to me they never arrive. I'm not sure what is in the air these days but people are comfortable with not doing their jobs and have the nerve to get upset the the person their lack of follow through or know how is affecting in a negative manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: MOHELA
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
Account placed on administrative forbearance with no explanation from Mohela. ( XX/XX/ ) Need this resolved asap

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: Aspen Yo LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I didn't think it would ever escalate to this point, but the mortgage servicer on our house, Gregory Funding LLC ( in association with XXXX XXXX XXXX XXXX ) has declared a foreclosure and is directly violating federal law. 
They have claimed falsely that we have not paid the mortgage in over 2 years, starting from the beginning of 2020. 
They continually send back checks and refuse to let us pay them, then claim we missed a payment. 
They have repeatedly refused to look at the evidence and bank records I've given them. I've submitted full bank records to them now 5 times, and they keep saying they'll get around to it, but never do/did. 
They have repeatedly refused to acknowledge or investigate where they came up with saying that my family is in XXXX $ dollars in debt. It came from nowhere. The dollar amount keeps changing randomly, and now sits at {$45000.00}. 
They have repeatedly failed to comply with information requests. 
They have twice now raised the mortgage from XXXX, to XXXX dollars, to nearly XXXX dollars on a FIXED RATE mortgage where the amount hasn't changed in over 20 years! 
They have now suddenly began to escalate after 2 years of waiting! 
We have done everything on our end, provided proof, called, demanded, sent mail, sent emails, nothing has worked! 

They are refusing to cooperate, refusing to listen, and are threatening to illegally steal and invade our home despite us making payments on it for over 20 years. Please. I do not want to lose my home illegally. Send someone. Do something. Anything. This is a cry for help and a dire emergency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: U.S. BANCORP
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My loan number is XXXX with USBANK. Im filing a complaint because my loan modification was turned down due to obligations in excess of 31 % of my income. I asked them to take into account that if I got my house back I would no longer have to pay rent and utilities. They compiled their numbers using a mortgage payment and my rent payment. My rent payment would go away. 

Im also asking you to investigate possible predatory lending situation. I only owe XXXX on my mortgage yet my house is worth XXXX. There is XXXX in value there. They dont want to approve my modification because they know they will get all of their money back out of my house. If I was severely upside down on my mortgage Im sure I would have been handled differently. If they knew they were going to lose a lot of money on the foreclosure. 

Im asking for some type of help because I was hired at a job then let go because of some serious medical conditions. I was unemployed for about a year while I dealt with these medical conditions. I am happy to report that my medical condition is being managed now with the help of many doctors. I found a new job in XXXX. I am more than capable of handling the mortgage at this point. 

Please help me to save my home against these sharks called USBANK. Thank you

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 2023-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I am writing to bring to your attention a matter of significant concern regarding the violation of my rights under 5 U.S. Code 1681c-2 and 15 U.S. Code 1681b. I am a victim of identity theft, and I have taken the necessary steps to report this incident to the Federal Trade Commission ( FTC ), with a corresponding FTC report on file.I have taken immediate action to address the identity theft by contacting the appropriate authorities, as well as by diligently following the guidelines outlined by the FTC. It is therefore imperative that my rights under the specified U.S. Codes are fully recognized and upheld by your agency.

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 2023-01-07
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:
The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-12-12
Company: Experian Information Solutions Inc.
State: NE
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: Was not notified of investigation status or results

Complaint:
I have sent information to the credit bureaus with all the information requested and still haven't received anything. I have been waiting weeks. I done this a total of three times asking for this information.

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 2023-10-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I requested that the credit bureaus do a theral review of my credit files to be sure that everything was reported accordingly, they did but when I review my report by myself i find many inconsistencies. and the debt listed is not mine and can't be proven as they are fraud, I am a victim of fraud. Being aware of the fair provisions of the fair debt collection practices act ( FDCPA ) I'm requesting full validation. proof that I am the party responsible for the debt and that there is some contractual obligation which is binding on me to pay it. In accordance with the fair credit reporting act convergent account listed have been violating my rights 15. usc1681section 602A sec2 : It also states a consumer reporting agency can not furnish a account without my written instructions. I have been frauded I am a fraud victime

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 2023-02-13
Company: Harpeth Financial Services, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
In XXXX, I worked with an account resolution XXXX named XXXX with Advance Financial ( af247.com ) to resolve a debt that was growing exponentially due to the high interest. The account had grown to incur a payment amount that I could no longer keep up with. XXXX stopped the interest accrual, waived a large portion of the previously accrued interest and put me on a repayment plan which would settle the loan in full. At the end of the repayment plan we agreed on, I asked for a statement showing that the loan had been settled in full. I have an email from XXXX from XX/XX/XXXX stating the loan number and that the message serves to confirm the loan had been settled in full. In XX/XX/XXXX, I started receiving phone calls and mail from XXXX XXXX XXXX XXXX XXXX XXXX XXXX stating that Advance Financial sold the account to them for collections for an amount of {$2600.00}. This is not the first time Advance Financial sold the account to another collections agency. I don't have the details but I had to work to clear up the matter with another collections agency a few years ago. 
This time, the collections agency does not acknowledge the proof I sent them that the debt was settled in full. I copied XXXX with the original email from XXXX and also asked them to recall their part in the collection efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
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: Personal information incorrect

Complaint:
I have made several attempts to Experian to update/remove personal information that is incorrect. On XX/XX/XXXX, I sent a letter to Experian requesting they update and remove incorrect personal information. It has been more than 30 days since I submitted this request and after reviewing my credit reports on several occasions the incorrect personal information still remains on my credit reports i.e. previous address. I also called Experian on XX/XX/XXXX to once again have this personal information removed and the agent assured me that it would reflect on my report with 24-48hrs. It has been almost a month and the incorrect personal information still remains. This is creating issues with applying for lines of credit as lenders are using invalid addresses and personal information hence incurring personal suffering in the form of not being able to secure small business loans.

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 2021-05-07
Company: BAM Management US Holdings Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I opened an account at BinanceXXXX in XXXX of 2021. 
I funded the account with a XXXX XXXX transfer and exchanged some to XXXX. I then tried to ACh transfer {$300.00} to my account. This transfer showed in pending status for two months and now shows as settled. I even deposited another XXXX cash in my account. 
All my accounts are settled and in positive balance. But my funds are still blocked from trading or transfer. 
The Binance website sites that the accounts will be reactivated within 5 business days of payments settlement. In my case it has now been two months and all my ticket requests are going to the XXXX  .There is never a response from Binance XXXX 
Binance customer service does not exist

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello my name is XXXX XXXX and I am submitting this complaint without error or influence of any third agency. Please see my attached documentation as it contains my request.

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 2022-04-13
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I discovered the following inconsistencies in my Personal Information, and I would like to have all of the false and misleading information removed from my credit report. These inaccuracies have harmed my creditworthiness and limited my ability to obtain fresh credit, and I have been contesting them for a long period. I've made a list of the details on my personal information that is falsely reported and that must be removed immediately. 
Name : I do not have any other names or aliases required, and I do not want any other names or aliases to be kept or disclosed. 
Address : I do not have any additional current addresses, and I do not want other addresses to be kept or disclosed. 
Birthday : I do not have any other dates of birth that are required, and I do not want any other dates of birth to be kept or disclosed. 
Employers : I do not work for these employers listed and I don't want them to be kept or reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have a mixed file on my credit report Transunion is reporting I have a bankruptcy on my report this is incorrect information

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