BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-22
Company: Alliance One, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Alliance One has contacted me about an allege debt from another debt collector ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ). They ( AllianceOne ) are not the party involved in said consumer credit transaction and has NEVER been given permission to contact me which is a direct violation of 15 USC 1692c. I've never gave them permission to contact me and muchness never gave them permission to contact me multiple times through ANY medium, telephone, mail, or email. I received communication from them on XX/XX/2021 through the mail about this allege debt. I then received a phone call on XX/XX/2021 about the same debt and in that conversation told them to never contact me again they said that they would, they used obscene and profane language during that phone as words that I found offensive was used. They called at a time I was busy and being that I NEVER told them to call me it was INCONVENIENT to me, the consumer which is a violation of 1692c ( a ) 1. Then I received another call about the same debt ( violation of 1692c ) on XX/XX/2021, I never picked up because again it was inconvenient. The other violations are in the file I uploaded mark as exhibit A. I responded on XX/XX/2021 which they received which was confirmed by the USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX on XX/XX/21, telling them AGAIN to not contact me about an allege debt, that they have no right to try and collect, the content of the letter I sent them was a cease and desist letter pursuant to 15 USC 1692c ( c ) ; an affidavit of truth, a request of debt validation pursuant to 15 USC 1692g AND an invoice with the amount of damages they have done to me the consumer, when they tried to collect on this allege debt. I have yet to receive any correspondence or money for the violations to these aggressive and deceptive practices to collect a debt that has not been validated or verified pursuant to 1692g. Enclosed is the phone records of my incoming call for both days that I was contacted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
company still showing monthly payment on closed accounts which affects dti and usage which is lowing my 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 2018-06-05
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have two credit cards with Comenity Bank. In XX/XX/XXXX I called to request assistance with my XXXX rewards credit card payments. I was entered into a hardship program. At the time of the call, the agent signed up my XXXX Card as well. My XXXX card payments were to be {$40.00} a month. I received a letter confirming I was signed up for the program. My account was debited for the due installment. In XX/XX/XXXX I  received a call from XXXX  collections department advising that I was in default and that I needed to make a payment. I informed them that I was part of a hardship program. They transferred me to this department, at that time. I was advised that I was taken off the program due to being enrolled the prior year. I am not allowed to re-enroll two consecutive years. I never received a letter stating this or a call. I kept on explaining my situation and the department wasn't helpful.. I explained that I am not able to make the requested payments of almost {$100.00} a month. I am asking they honor my XX/XX/XXXX agreement, as they debited my account and didn't advise me correctly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-01
Company: EQUIFAX, 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:
Both Equifax and XXXX  are dropping my credit score for no apparent reason that can affect an auto purchase at 0 % financing if I choose to buy a new car. They need to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am filing this complaint because a company called Americollect is not providing me with validation that I owe them any money. They are reporting that I have four unpaid debts with them totaling {$3800.00} but I have never done business with them or signed any agreements with this company. The first debt is for {$980.00} and was opened in XX/XX/XXXX according to my report. The second debt is for {$980.00} and was opened in XX/XX/XXXX. The third debt is for {$930.00} and was opened in XX/XX/XXXX. The fourth debt is for {$980.00} and was opened in XX/XX/XXXX. The account numbers on my credit are all " XXXX '' so this is very suspicious. I also do not understand why they are all for the same amount. I 'm including a section of my report which shows how they are reporting all these debts to my credit. I 've done some research online and I have only come across complaints by other consumers who have been harassed and scammed by this company. It is listed that they are based in XXXX, Wisconsin and I have never lived in Wisconsin in my life. I live in Florida. There are over 84 consumer complaints listed on the Better Business Bureau 's website. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We are trying to get a payoff demand on behalf of a dead seller 's wife. The court has ordered the wife to be the owner of this property. I have provided a copy of the authorization signed by the wife, a copy of the Death Cert and a copy of the Court Docs to Bank of America. ( All attached ) BAC is absolutely refusing to provide a payoff demand. 


*****This property has equity. We have a buyer who has been waiting to close escrow. This is NOT a short sale and BANK OF AMERICA WILL BE GETTING A *FULL* PAYOFF. 

XXXX Bank of America is DEFRAUDING THIS ELDERLY WOMAN OUT OF THE EQUITY OF HER OWN HOME!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

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 2017-12-07
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Ally Financial. I called to lower payment or refinance balance but was denied. the payment were too high and I couldnot trade it because of the negative equity.

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 2018-06-05
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am making payments but they don't like the amount I am paying. I am sending money ey every month either early or on time. They say it is not enough. I can't afford their plan and they don't like mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
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: Information belongs to someone else

Complaint:
The items listed on my report, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, are fraudulent accounts. Please see the attached, documentation which includes a police report and an Identity theft report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-07
Company: Arena Investors, LP
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collection notification of a resolution opportunity from NSA or North Shore Agency that was dated XX/XX/2021. They state in the letter that they represent " HOUSE '' as the Creditor with NSA ID # XXXX & Creditor Account # XXXX in the amount of {$350.00}. I do not have an account with HOUSE COLLECTOR and believe that this collection agency is attempting to fraudulently collect from me money that I do not owe. 

I tried to contact them at the phone number on the letter and when I enter my zip code and the account # listed on the letter, the automated voice states that the information entered doesn't match their records. I also tried to contact the company through other phone # 's available online but can not reach anyone. Please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
An unauthorized amount of money {$170.00} was taken from my account and put in XXXX to a an unknown user, XXXX XXXX, at XXXX on XX/XX/18. My bank account has faced several security breaches in the past, including an unauthorized XXXX charge in XX/XX/2018, an unauthorized XXXX Charge in XX/XX/2018 totaling about {$20.00} each. As soon as I realized a huge sum of money was missing from my account I called Wells Fargo and asked them to freeze my account so the funds would not be transferred, and I explained to them that this transfer was not initiated by me, and must be a hack consistent with the other security breaches. They shut down that bank account completely and I opened a new one. However, they refused to freeze my funds or return the money to me, and said that through XXXX, payments can not be cancelled and that I must have authorized the transaction. I was in dire need of that money as a student and it was stolen from me. I have not had any new charges of fraud since opening this new bank account, so I believe my old one was just completely compromised and the final scam attempt was their big one. I feel duped and ashamed that the money I worked hard for at only XXXX years old was snatched from me. I called Wells Fargo and they said they could do nothing at all for me, and that if I wanted to file an appeal, it would be a complex process of scanning documents, a handwritten letter sent by post to California from my Florida address. I felt as if it was disingenuous and intentionally designed to discourage me. I did not have such resources. It is only in doing research recently that I realized I could file a grievance with the Consumer Finance Bureau, which I tried to do right away.

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 2018-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Incorrect and inaccurate information is being furnished on my credit report, the balance for XXXX XXXX is incorrect. attached is proof that balance is incorrect

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 2018-03-10
Company: Experian Information Solutions 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:
Upon reviewing my Experian account it looks as if I have 3 inquires that DO NOT belong to me on my account. I called Experian on XX/XX/XXXX and was verbally abused by Experian representative XXXX with XXXX XXXX. Complaint made with supervisor. I mailed Multiple Inquiry removal letters via certified mail in XXXX and also provided evidence that my data was impacted by the breaches through XXXX, XXXX and Hurricane Irma. I have been trying to build my credit, not apply for things over and over again. The letters go without proper investigation required by law as " we are unable to investigate inquiries and they will remain for two years from the date of inquiry. '' They would sign for the letter on a certain day and the response would be mailed to me in less than XXXX hours. I have asked for evidence that these inquiries belong to me. I am refused that request by stating " If you believe this was unauthorized, please contact the creditor. '' I would like for the below inquires to be deleted. XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX Bank XX/XX/XXXX. According to the FCRA Rules, FCRA XXXX ( b ) ( XXXX ) and XXXX ( a ) ( XXXX ), it states that any information can be disputed and MUST be investigated and if you do not investigate or respond accordingly, the CRA must delete the disputed information from its files. The fact that I received a response 2 days after the receipt of my certified letters, one can assume that there was no investigation into the matter. I plan to purchase a home next year and having this many hard inquires on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into the original dispute for hard inquires that do not belong to me, I did not sign for any credit pulls. This is unfair practices by a credit reporting agency with no regard for the emotional distress or consequences this causes the individual.

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 2021-03-30
Company: EQUIFAX, INC.
State: CA
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:
There are 5 accounts that are appearing on my credit report that are not mine I have been mailing disputes to the bureaus and the furnishers saying these are not mine because I have not signed or used or accepted any of these charges or cards. 
The accounts are : XXXX  XXXX XXXX - Acct # XXXX XXXX {$3700.00} XXXX  XXXX XXXX - Acct # XXXX XXXX {$11000.00} XXXX XXXX XXXX - Acct # XXXX XXXX {$7300.00} XXXX CARD- Acct # XXXX XXXX {$6600.00} XXXX CARD- Acct # XXXX {$9.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
The accounts on the list bellow are fraud some one used my personal documents and open the accounts on the list that accounts not belongs to me this is a fraudulent 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 2018-06-05
Company: Experian Information Solutions Inc.
State: KS
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:
In XX/XX/XXXXXXXX XXXX sent me a letter stating within the next 30-45 the account would be removed. I sent in numerous letters to the credit agency and it has yet to be removed. They have yet to send any correspondence in reference to the account being removed.

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 2019-02-01
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
carrington still denying borrower formal written requests to speak on non recorded line.why should borrowers be precluded from assistance or loss mitigation options because of this request which is totally reasonable and legal and as right of borrower in massachusetts .also XXXX XXXX at carrington sent a letter in response to borroweer complaints that are inaccurate and borrower has definitive proof that XXXX XXXX claims is not orrect and trying to paint borrower in unfavorable light to hasten foreclosure,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was lay-off of my job but I found another job shortly after .... However, the new job paid less money. Before I get be hide on my mortgage I contacted my mortgage company and explained my situation and asked for a modification. I was told by the mortgage company that I had to be at least 3 months be hide before the could do anything for me. After my savings were gone which was months later I filed for a modification. I sent in all required documents and made all three trail payments. After that I was told by my account manager that I had completed everything that I had to do and now the underwriters had to process the modification. I called every month to get an update. Finally, I was told to make two payments to bring the mortgage current and my modification would be finalized. I made the two payments and called the mortgage company back in two weeks. At that time my account manager informed my that he had giving me the wrong information. I was told that I had to pay over 20K ( the arrears ) to bring my mortgage current or loss my home. I wrote upper management and explain the issue. Management was extremely rude to me. And now I an in the process of losing my home. This entire experience has been long, hard, misleading, stressful, inhumane, unethical and unprofessional. I hope that no-one never has to go through this awful experience from Bayview Loan Services LLC. This mortgage company needs to be accountable of their mistakes. Because the way they do business is negatively effect hard working people 's lives in a major way.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I had many student loans with naviet and they told me to consolidate them. I consolidated them and my loans went from XXXX to XXXX. When I called to ask them about it for months they kept telling me that when u consolidate it just shows double for a while. Finally four months later when I called they told me that it was not doubled and that was my outstanding balance. So lost what to do now. I did it to make my payments cheaper not to go into debt for more. Now my student loans are more then my mortgage on my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: Diversified Consultants, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This agency isnt licenced to collect in my state, TN.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-01
Company: CORELOGIC 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: Credit inquiries on your report that you don't recognize

Complaint:
I had a hard inquiry on my credit report on XX/XX/2019 that i did not authorize company to look into my credit, I did not apply for any type of 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 2019-09-18
Company: Profit Services Group
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Profit Services Group in XXXX, GA is trying to collect a debt for a medical bill that I do not owe. They said I owe XXXX XXXX XXXX for an XXXX of my XXXX that was done on XX/XX/2017. I was on workmans compensation at that time for a work injury and any expenses should have been billed to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2019-02-01
Company: EQUIFAX, INC.
State: FL
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 detected many fraudulent accounts reporting on my credit report. My personal information was exposed in several data breaches in XXXX and XXXX Equifax, XXXX mass data breach. This resulted in my identity being stolen and used to open and misuse fraudulent accounts. I REQUEST THIS INFORMATION BE REMOVED IMMEDIATELY. I Remove accounts in compliance to FCRA SECTION 605B

Company response to consumer: Closed with explanation