BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-27
Company: Monterey Financial Services LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2021 and XX/XX/2021, I requested payoff amount totals for the debt owed on the account. On my credit report, they have not updated my reported balance since XX/XX/2021 and it states that my account is 90 days past due with a remaining balance of {$1300.00}. However, in their payoff amount emails on the above dates, I was only 30 days past due with a remaining balance of {$1000.00}. They have threatened in the emails that my credit will be impacted and it has because they have not updated my reported balance in almost 2 months. Based on their email as of XX/XX/2021, my remaining balance was {$510.00} because I have tried to resolve this on my own with continuing to pay in hopes of the company updating the correct amount to my credit report, however they have chosen not to do so. They are intentionally not reporting my updated balances and my credit health is severely impacted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: AMERISAVE MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We contacted AmeriSave on XX/XX/XXXX, requesting information on products that they offered for non-owner occupied loans for two residential properties. First, we spoke with a representative, XXXX XXXX. We asked him if we were eligible for these loans, given that the title on the properties may be in the name of our XXXX XXXX XXXX XXXX. He assured us that he would check first before we initiated the process as he didn't want us to pay for an appraisal if it wouldn't go through. XXXX stated that he verified this information by checking county records and checking with his colleague. We started the process, submitted the initial application and scheduled the appraisals on XX/XX/XXXX. On XX/XX/XXXX, after the appraisal was completed and we paid for it, they stated that they could not work with us on one property as the title listed a company and not individuals. This was the specific question we asked before even moving forward with AmeriSave. It ended up that we wasted time and money on an appraisal for one property that wasn't applicable. The second property was eligible, so we decided to move forward with the loan process and providing them with an abundance of documentation. 

Through the month of XXXX and up until even today XX/XX/XXXX, AmeriSave has made our lives miserable and required 7 separate conditions from the underwriter. Some included full 12 month mortgage verification on a property completely unrelated. All property HOA and HOA bills ( twice ), insurance documentation, and more. I had complained that this was highly unprofessional, some conditions ( items requested ) were already sent and in their possession ; yet they requested it again anyways. Still, they continued exercising us constantly. We complained to management, and they told me that the underwriting manager as well as the loan officer 's manager were both involved. They came back with a final condition for full tax returns on two companies that we have ownership in. We submitted this final information on XX/XX/XXXX. I have called the loan officer responsible for our case everyday since then. I have left voice mails. She is very familiar with me, but I have received no response back. I have sent various e-mails, and still have received no response. They have gone completely dark and I can not contact anyone regarding my loan or what the current status is. I have been bullied throughout this process, have paid wasted fees, and taken time out of my busy schedule to bend backwards for them on multiple occasions. I have been proactive throughout this entire process, with me always reaching out to them, instead of vice-versa. I have run out of options, and can not stand for the unprofessional and uncaring attitude that is apparently systemic throughout this organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: Texas Guaranteed
State: GA
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:
These credit imquiries are unauthorized and need to be removed from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have been disputing a debt from XXXX XXXX represent by XXXX collections now for over a year, I never received notice of debit or was giving the opportunity to dispute this debit. I have called XXXX XXXX and had my insurance provider XXXX XXXX XXXX XXXX reach out to because any charges would have been covered by my insurance, but no one has produced a bill or documents, showing I had or authorized treatment. I have made these request through dispute resolution through the credit bureaus and well as XXXX yet nothing has been done about the lack of compliance with federal law.

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 2023-09-27
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the loan closing

Complaint:
XX/XX/2023 contacted Truist Bank who aquired SunTrust who aquired XXXX XXXXXXXX XXXX and XXXX XXXX. The mortgage is located at XXXX XXXX XXXX XXXX XXXX XXXX Register of Deeds. The loan closing is delayed due to the satisfaction not being filed timely. The unabilty of Truist to complete in a timely manner due to lack of loan number on their part for companies previous aquisition it an issue.

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 2023-10-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Loan opened without my consent or knowledge

Complaint:
Wells Fargo letter to CFPB Complaint Number XXXX is misleading and dishonest. Why would they be a contributor to this bad business practice. Since Wells Fargo is in partnership ship with XXXX XXXX XXXX and XXXX XXXX, Wells Fargo needs to answer the following from Complaint XXXX That is on ( attachment c-3 ) from the so-called loan application.

under Federal Notices If appliable to transaction, to help the government fight terrorism and money laundering activities, Federal Law requires financial institutions to obtain, verify and record information that identifies each person who opens and account. Please explain exactly what is being said in very descriptive Essay to The Consumer Financial Protection Bureau and myself, XXXX XXXX XXXX? Furthermore, under Federal Notices it says, What this means for you is when is that you will be ask your name address, birth date to identify you, You may also be asked your driver 's license? That does not even come close to explain what the top half of the paragraph meant. Why the confusion and delusion?

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 2023-09-27
Company: Resurgent Capital Services L.P.
State: NY
Product: Credit reporting 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:
Ever since XXXX  I have had this account on my credit and I am asking for your help XXXX. 
Lv funding has been another account I don't recognize an they will not take this off of my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: PA
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:
I asked Equifax to investigate this account - XXXX XXXX XXXX # XXXX - due to inaccuracy. 

The account is being reported inaccurately reported on my credit report as a " charge off '' with no prior payment history. 

Equifax notified me that the account was updated. The account was not corrected or updated and the incomplete information is still missing. 

The account is eligible for immediate deletion, because Equifax did not update, nor could they verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: Capio Partners, LLC
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX I received all of my credit reports and a account from XXXX XXXX is reporting negative information about a collection that is Not mine. I paid the original Creditor on the day of service. And my insurance company paid the difference.. i have no knowledge of owing XXXX Partners and has never received any information validating a debt with XXXX.. I disputed this information with all credit reporting agencies and its still reporting negatively on my credit files..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-09
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Today. XX/XX/2022 XXXX pm Received call from XXXX Caller stated they were from TransWorld Systems Incorporated and they asked for my name. They stated they were trying to collect the debt from XXXX XXXX XXXX. 
This debt has gone through 5 different collectors and paperwork was submitted 5 separate times via certified mail, that this debt is not mine and that it belongs to a deceased person 20 years ago. This company is abusing its power and misrepresenting themselves and their power to attempt to collect monies that are not owed to them. Please regulate them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Portfolio recovery associates , LLC has been calling and harassing me nearly everyday, and multiple times per day most days to recover a debt that I have disputed due to no knowledge of account. I have asked them to please stop calling me, and when they refused, I told them I would block their number as I have no business with them. They continued to call, always from another number. At this point I have had to block at least 10-15 different numbers in my phone. I just recently received a letter from them in the mail as well, stating how much they are asking from me with options to pay. The letter has all options of where to send payments, address, phone number ect. At the end of the notice there is no list of any of my rights as a consumer, no explanation of how to dispute, other than directly with their company. Also states that they have no California license.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
I was a consumer that had been hit by Wells Fargo Mortgages/Non modification team and was even served by controversial WF appointed Lawyer XXXX XXXX XXXX ( whos employees were caught in XXXX XXXX and also pretending to be homeless for their XXXX costumes - mocking their foreclosure cases ). He himself told us that we could not REfinance and he petitioned to put the house in foreclosure. We had to dig our way out of this and even then had to pay back fees on top of back mortgage. Wells Fargo has not contacted me to offer any kind of resolution or settlement per the press release that came out in XX/XX/2022. How do I proceed from here?

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 2021-04-09
Company: AMERISAVE MORTGAGE CORPORATION
State: MA
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:
On XX/XX/2021, I requested fro an estimated rate by filling the online inquiry on AmeriSave Mortgage Corporations website. I consent to the soft pull. After that, I received an email with a link written " Click here for your personalized mortgage rate quote '', and it brought me to the home page of AmeriSave Mortgage Corporations website, which did not provide the quote that I requested. On XX/XX/2021, after I filled the online inquiry, someone called me three times and I assumed that's from AmeriSave. However, I was not able to answer it because I was at work. It means that I never had a chance to speak with someone from AmeriSave until XX/XX/2021. On XX/XX/2021, I found that my credit was decreased due to the hard inquiry made by AmeriSave. I sent an email to their customer service and told them I consent to a soft inquiry but they did a hard inquiry. They replied and claimed that " I took it a step further and authorized a hard pull to be done '' the next day. I then asked them how's possible that I gave authorization by only filling the online inquiry, but they never respond.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: Square Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
STAY AWAY FROM CASH APP!!!

I have never opened a Visa Cash Card through Cash App. There  is no where on their website under Contact Support to get through to a person or submit an inquiry as to why and how this account was established. Nor cancel the cash app Visa card. 

I think I have unlinked my email, but not really sure as this is not a very self explained website you go in. It sort of gives instructions that leads to no where. 

There is no way to get a hold of a live operator to dispute this fraud account either. The number they have is a recording and leaves you with nothing to go with and no option to speak to someone. 

Before this cash card came in the mail, I had to dispute a fraud charge by unknown trying to pay merchants with this cash app account through my debit XXXX account. Luckily, XXXX noticed this fraud and contacted me immediately to stop payment. 

This cash app account isnt safe and needs to discontinue service or shutdown completely. 

XXXX is much better and safer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Genesis FS Card Services, Inc.
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act Destiny Mastercard Account # ending in 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 state a consumer reporting agency can not furnish an account without written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: DApps Platform, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I was contacted on XXXX and showed this website called XXXX. I did not think it was a scam because I spent 3 weeks not putting any of my on money in. If anyone on XXXX mentions crypto immediately block them and do not respond back. Do not send any money to XXXX either. It is all a scam.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-08-31
Company: Associated Credit Services, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The utility debt being asked to be paid has now been sent to the credit bureau and showing negative credit history. I wasn't sure if the initial request was a scam to just get money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: Experian Information Solutions Inc.
State: AL
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:
In XXXX XXXX following the security breach with XXXX I obtained all of my credit reports and located a credit card account obtain from XXXX XXXX XXXXthat Im NOT the owner of and thats reporting negatively on all three of my credit reports. I reached out to XXXX XXXX XXXX and disputed the account as not mine. I also submitted to the credit bureaus disputes along with A fraud affidavit and police report ... Ive since been identified as a fraud victim and all fraudulent accounts on my credit has been deleted EXCEPT for the XXXX XXXX XXXX account ... Im reaching out to you all because I feel this is a last effort to get this unauthorized/fraudulent account removed from my credit 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 2023-08-31
Company: Westlake Services, LLC
State: FL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
I called Wilshire Consumer to pick up my vehicle due to a domestic incident with my estranged husband who had my vehicle towed for illegal parking. They do business with Westlake financial. I tried to refinance the loan with them to assist me with retrieving the vehicle but they denied me, but offered to pick the vehicle up for me. It took them so long for Westlake to get my vehicle that the towing company where it was located had made attempts to auction my vehicle. Once Westlake got my vehicle I had to pay almost {$2000.00} to get it out of their possession. They vehicle paint was damaged and undrivable because they had took my vehicle out of my name and put it in the name of Wilshire and they refused to send me any paperwork to register my vehicle. I am the sole owner of my vehicle and I have in my possession the title. The vehicle is no longer operational.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
There are 3 accounts on my credit that I am unaware of and need removed please. A car lease with XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, and a loan that is now a charge off from a place called 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 non-monetary relief
Consumer complaint received 2021-03-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX we discovered a {$22000.00} check had been cashed by our bank, Chase in XXXX, CA We went to the bank and found out that a woman in Michigan had ordered checks XXXX billed to our account ) with her name and information but our account number. She then wrote herself a {$22000.00} check and deposited it. There was a 3 day hold because of the amount but it was cashed. We were informed that banks no Longer verify account holders names or signatures. Weve filed a police report, filled out paperwork, talked to the bank and fraud department and are getting no where. Weve faxed the things they ask and they say theyve received it and then they say they havent. Twice weve been told it will be 3-5 days to be resolved only to be told today another set of paperwork needs to be filled out and it will be at least 15 days after they receive it before it can be resolved. We had no part in this scam. Were seniors living on a fixed income and we need our money back to pay bills. We need help {$22000.00} is a lot of money

Company response to consumer: Closed with monetary relief