BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-15
Company: AVANTE
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX Original creditor MIDLAND CREDIT MANAGEMENT : I received an alert from XXXX regarding this collection earlier this year. This is not my account. I tried resolving and disputing with XXXX but they failed to investigate as well as I tried multiple times to contact MIDLAND CREDIT and they never answer or return my call nor have they even sent me any type of notice or proof that this debt exists. I believe that MIDLAND CREDIT MANAGEMENT is trying to collect on an account that is not mine and XXXX is not doing anything about

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
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:
THIS IS NOT A DUPLICATE COMPLAINT. 
I am XXXX XXXX XXXX and I am writing this complaint myself. There is no third party involved. 
This is a final DEMAND TO COMPLY after multiple previous attempts to resolve this matter. For committing identity theft, violation and deprivation of my privacy, for causing me defamation of character, pain & suffering and for impermissible purposes, I am demanding remedy in the amount of {$3000.00} pursuant to 15 USC 1681n and 15 USC 1681o. I have mailed Equifax this DEMAND TO COMPLY in a letter via certified mail, tracking # XXXX XXXX XXXX XXXX XXXX, along with a copy of my SSN card and my state ID for identity verification purposes. Delivery is expected latest by XX/XX/XXXX. I have attached a copy of said letter. 

After accessing a copy of my consumer credit report from Equifax and noticing fraudulent accounts and information being reported without permissible purpose pursuant to 15 USC 1681b, I mailed Equifax a written dispute in regards to the fraudulent information via certified mail # XXXX XXXX XXXX XXXX XXXX XXXX. It was received on XX/XX/XXXX. 

Since then, Equifax failed to respond to my dispute pursuant to 15 USC 1681i-Procedure in case of disputed accuracy. When I called to ask about a follow up 30 days later, agents stated that there was no dispute on record. Equifax willfully and negligently handled my dispute reporting fraudulent and unverified information and failed to follow up with me via written mail with any update or resolution. Equifaxs violations of 15 USC 1681 and 18 USC 1028A have deprived me of my right to privacy, caused me defamation of character, pain & suffering as well as monetary struggle and marital instability while being a victim of identity theft as defined by 12 CFR 1022.3 ; Identity theft is a fraud committed or attempted using the identifying information of another person without authority.

Equifax is liable to me, the natural person and consumer for {$1000.00} per fraudulent item of information pursuant to 15 USC 1681n and actual damages pursuant to 15 USC 1681o. I have been denied for extensions of consumer credit based on the report furnished by Equifax which has put my family through extreme hardship this past year. I am demanding the deletion of 2 closed charged off accounts, 2 inquiries and 1 collection account immediately and remedy in the non negotiable amount of {$3000.00}. Actual damages amount to a higher amount, {$3000.00} is my settlement offer. Details of deletion demands can be found in the attached Demand for Compliance letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: U.S. BANCORP
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I have a problem with US BANK car lease. I leased a car thru the dealer and they financed me with US BANK. I had 42 month payment and a residual of {$27000.00} to pay off the car at the end of the lease to buy it off. I had a car accident XX/XX/2022 and my car got total loss. I had already made XXXX payments and I had XXXX payments remaining. XXXX payments $ XXXX residual payoff {$27000.00} totaling= {$37000.00} My Insurance paid US BANK {$49000.00} and they profited {$11000.00}. 
They sent out a check to me for overpayment of only {$1000.00}. While US BANK profited from my accident, I had to purchase a new car at a higher rate and gave me financial loss. They should have only taken what was owed to them with the contract they had with me was the remaining payment plus the payoff to take the car. 

I did not break the lease I had paid upon agreement and was unfortunate to have a car accident. Now, I am paying extra to get another car and has put a burden on me financially.

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 2022-03-15
Company: Experian Information Solutions Inc.
State: MN
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:
Pursuant to 15 USC 1681 ( i ) I required Experian to send me the description of the procedures of the reinvestigation of the furnishing of inaccurate information that I disputed on my consumer report.

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 2023-11-08
Company: Essential Lending Inc
State: NJ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Wise loans Sold my debt to XXXX XXXX in New York. They have been calling me and family members about serving me with a judgement if I dont pay them over XXXX. They have my current address and refuse to mail me any correspondence. They also wont give me their address. They said they will serve me with courts. They are also calling family members and friends from a number that cant be called back. Harassing messages are being left. XXXX number is ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

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 2018-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Hello, I clicked on annual reporting site to get my free annual credit score. The site stated that I am entitled to get one free reporting per year. I was able to obtain my credit report, however, when I clicked on my credit score, it would route me me to TransUnion account, where it would ask me again for my email address. When I entered my email address, it would yet take me to another screen, where I was asked to enter all my information again, which I did. Then the final filed, it says to enter my Credit Card information. If I am entitled for one credit report a year, why am I being asked to enter my credit card information? I logged out and tried to sign on again, but it gave me an error message, I guess since I used the system once, it would let me continue, unless I enter a credit card number. 
Thank you for your help! 
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 2022-12-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX ACCNT # 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 2022-03-15
Company: ALLY FINANCIAL INC.
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is fraud. Someone used my identification and used it to obtain a car. I became aware of this when I tried to go get a car and I was advised that I owed.

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 2023-03-13
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: SD
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2023 I ordered {$2000.00}. from my debit card to be picked up in XXXX XXXX from my Moneygram account. I received a conformation but on the top it said " After careful review, your profile is closed and transaction declined ''. It had the authorization no. XXXX saying pick up cash in minutes. I went on Chat with the company and they would not tell me why my account was closed. To go to the local office in XXXX XXXX. I called their XXXX number and again they would not tell me why my account was closed. She said it was for my protection. Both the chat and the call told me to go into the local office and place the order. I went to the local office in XXXX XXXX XXXX XXXX and was told I could not place an order for money from the XXXX to XXXX XXXX, but could only send money out of XXXX XXXX. The office called moneygram and handed the phone to me. The first person I talked to said so sorry go to the local office, after I had told her I was at the local office. I asked for a supervisor and after some time the supervisor came on the line. I explained the situation again. She would not tell me why they closed my account or help me at all. I told her that I had been told 4 times by different people to go to the local office to place the order for the money and I was at the local office and they said they can not do it. No help at all. Now I had to pay a taxi both ways and now have to pay even more money to transfer directly from my bank or get from my credit cards. Moneygram is a very bad company with people who don't know what they are doing. And do not help resolve the issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hi this collection company called me during a covered pandemic hardship that my son and I were facing as me being a XXXX XXXX raising him alone and it seem to be a problem with insurance company not processing their in of the payment to the hospital but I also explain to them that we were going through this and then today they decided to go ahead and report this to the credit bureaus when they know that were going through a pandemic crisis theyve been informed by phone when they called me and the situation that were facing as I have notified all of the other companies that we have accounts with as well including all of our credit cards and all of our loan company and the loan companies all of which I have unemployment insurance with that still have not reported that properly to the bureaus all the way because they were notified on XX/XX/XXXX at the start of this situation and there should be reporting no late payments or miss payments. As I got all of them three loan companies the proper and appropriate paperwork right away as of XX/XX/XXXX of 2021.

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 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I have been sending letters and calling all three bureaus for the past 10 months starting XX/XX/2023 to correct the following. I also informed them that my information had been compromised and I needed help. Even filing a police report and constantly sending letters did not help. When I called trans union actually asked me to give them a heads up if I file a complaint with you. I bullied and trapped by this corporate machine please help! 
1. All of the Hard inquiries are not authorized by me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is not my account 3.Department of Education loans are paid in full and not reporting positively on my account even though the status is paid in full. On Trans union the balance has not been corrected and my student loans are reporting with a balance. 
XXXX. XXXX XXXX account number XXXX is not my account. 
XXXX XXXX XXXX XXXX XXXX  NOT MY ACCOUNT XXXX. XXXX XXXX NOT MY ACCOUNT I've been reporting fraud for almost a year and calling monthly the reps ignore me and Im at the point of tears because I reached out and pleaded in writing and via phone for assistance and none was granted! Please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-09
Company: Shellpoint Partners, LLC
State: WY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I last contact the CFPB on XX/XX/XXXX regarding fraudulent activity from my mortgage servicer Shellpoint. I had been applying for mortgage assistance but Shellpoint mortgage kept denying my documents with out a proper review of my financial situation. Following filling the CFPB complaint I received a response back from Shellpoint which can be found on the responses from the last complaint from XX/XX/XXXX. A response back from XXXX XXXX XXXX Department Shellpoint MTG XXXX stated the following : As requested, an assumption review was completed on XX/XX/XXXX. After review of the Probate documents provided it appears the interest in the home was divided with only half of the interest in the home being appointed to you and the other half going to four other heirs. Therefore, because you do not have sole interest in the property, we are unable to continue reviewing the loan for an assumption. In order for Shellpoint to review you for an assumption of the loan, you would need to have sole interest in the property. A Quit Claim Deed could be obtained from the additional heirs showing they no longer have an interest in the property. a foreclosure sale is not scheduled at this time. 

During my appeal period and working with Shellpoint in gathering the items they requested they have posted a foreclosure sale date on my home set for XX/XX/XXXX. I have recently submitted all documents on XX/XX/XXXX showing proof of what they requested and Shellpoint denied me on XX/XX/XXXX without again any proper review of my documents that they specifically asked for. During this time Shellpoint is direct violation of Dual Tracking Laws set forth by CFPB. I have attached all documents for review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: United Collection Bureau, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2019 I was taken to the emergency room of the XXXX XXXX XXXX on XXXX XXXX in XXXX. After being treated and discharged the desk attendant stated that they had my account on file and that I owed no money for the service in the hospital. I exited the building and went on with my life. This is the University XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX. 

Two months later I received statements of account asserting that I owed money to the hospital for services rendered, contradictory to the assertation of the attendant. I submitted my insurance and XXXX XXXX  account information to them via telephone. 

A couple of months after that I received another statement stating that I was past due on payments. I again called in and submitted my insurance information to the representative. 

A month after that I received another statement claiming that I was delinquent on my debt. I then used the USPS return slip they submitted to me to return them documentation of insurance and my XXXX XXXX  coverage. 

Finally, after almost 1.5 years, they have again escalated the situation by sending my account into collections, with an incorrect amount. This is negligance in its purest form.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: CITIBANK, N.A.
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I paid for a hotel reservation on XX/XX/XXXX through the XXXX XXXXXXXX XXXX website ( {$150000.00} ). I used my Citi card. The reservation was for XXXX. I was charged again for the room by the XXXX ; they ran my card when I checked in and told me it was for a security deposit and it was just a hold, but the full charge went through on XX/XX/XXXX ( {$1400.00} ). XXXX refused to take action. I initiated a dispute with Citi and they resolved it in favor of XXXX ( around XX/XX/XXXX ) because they said I hadn't submitted the original charge in my complaint ( even though both charges were on the same card ). I called back and the agent said the investigation would be reopened and I would receive more information within a week. I was told that the dispute resolution team should have sent me an email ; they hadn't and I've never received any confirmation about my case. I didn't hear back and called back and did not receive any additional information other than that the investigation was still ongoing. The agent refused to give me any other information including whether or not there was a way I could submit additional documentation. She also seemed confused on whether or not the provisional credit had been reversed ( it was and the charge/balance remains on my card ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-15
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
You are in receipt of notice under the authority of the Fair Debt and Practices Collections Act regarding the alleged XXXX XXXXXXXX account XXXX. Please document and verify and/or validate the debt by complying in good faith with this request for validation and/or verification of the alleged debt. I dispute part of, or all of the alleged debt. 

1. Please furnish a copy of the original promissory note redacting my social security number to prevent identity theft and state under penalty of perjury that your client named above is the holder in due course of the promissory note and will produce the original for my own and a judges inspection should there be a trial to contest these matters.

2. Please produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect.

3. Please identify by name and address all persons, corporations, or any other parties having a security interest in legal proceedings regarding the alleged debt.

4. Please verify under penalty of perjury, that as a debt collector or service provider, you have not purchased evidence of debt and are proceeding with collection activity in the name of the original maker of the note.

7. Please verify under penalty of perjury that you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.

6. Please provide certified verification from the stated creditor that you are authorized to act for 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