BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-23
Company: AMERISAVE MORTGAGE CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a refinance with AMERISAVE Mortgage. In the beginning of the process, they requested a ton of documents and I responded to each immediately by uploading the requested document. Then I received a notification that the upfront loan fee of {$500.00} had to be paid to continue the refinance process. Additional records including changing the mortgage company name on my homeowner 's insurance policy were requested, done, and uploaded. I have attempted to call every phone number on the web and on the emails for this company and now all the phones are disconnected and no longer in service. They took my money and they have all my personal information. What can I do?

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: Access Credit Management, Inc.
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Over the past several months I've attempted to resolve wrong/inaccurate identity theft related accounts with a company called Access Credit Management. I have reached out via direct mail with both the three major consumer reporting agencies and directly with Access Credit Management. I've included a copy of an identity theft report # XXXX, affidavits, and dispute letters. In addition Access Credit Management continues to violate the Fair Debt Collection  Practice Act and Fair Credit Reporting Act under Arkansas by attempting to collect on Medical Debt more than 2 years old. I also requested HIPPA release documentation which was never provided by Access Credit Management. Despite these several violations of my consumer rights, these fraud related/inaccurate accounts continue to appear on my credit reports. I find these actions unacceptable and Access Credit Management must be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the item listed below which is reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX  XXXX XXXX Date Opened : XX/XX/2018 Balance : {$9700.00}

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 2021-02-24
Company: Plastiq Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
Plastiq is a payment processor that charged my card the full payment of {$720.00} and a service charge of {$10.00} on XX/XX/2021, but failed to deliver the payment to the payee which was due on XX/XX/2021. 10 days after the due date, when I contacted Plastiq regarding this payment, I found out that Plastiq made an error in payment account number. I asked Plastiq to refund the payment back to me, but Plastiq refused to comply with my request and advised me to fix their error with the payee on my own. I believe Plastiq failed the fundamental purpose of a payment processing company which is to deliver timely payments to payees without errors.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-30
Company: TMX Finance LLC
State: NM
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Received a loan you didn't apply for

Complaint:
XX/XX/XXXX - wrote headquarters informing them as stated on website regarding the circumstances on being forced to get an amount I did not ask for. 

XXXX - call customer service, promised a call back by general manager XXXX payment due of XXXX XXXX payment due went from XXXX up to XXXX. 

XXXX contacted head quarters again - the manger that was supposed to contact me was on vacation XXXX recieve voicemail from someone from company Called back left message on voicemail XX/XX/XXXX Emailed XXXX Emailed company head quarters XX/XX/XXXX recieved a collections letter XXXX Balance Due is XXXX XX/XX/XXXX - made a XXXX payment XXXX, along with other critial needs for my children. 
I asked for XXXX that is all I could afford. Regardless at most XXXX a month. 
Store manager gave me a low interest rate deal ( I was a loyal customer with a previous pay off I barely could do ) I take the new Max I qualified for being back XXXX in 24 hous and be a low interest rate. 
Being my oldest daughter was missing and I was highly stressed out I took my check and deposited it. 
Now I realize I was scammed and now in jeopardy of loosing my car. I make XXXX in XXXX! 
I can't support XXXX kids, XXXX with severe needs on XXXX. I asked for something with as much as XXXX a month payments. 
If I loose my car because of this greedy company scam, I will loose my daughter. This was very unfair and a scam on someone who is low income and vulnerable because I have good payment history. 
I fear I will loose my car soon, although I have attempted to reach the company before it was a threat to our livleyhood.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
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:
SOMEONE USE MY IDENTITY TO OPEN SEVERAL FRAUDULENT ACCOUNTS WITHOUT MY CONSENT OR KNOWLEDGE I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Background info - I purchased a car from the local XXXX dealership in XXXX of 2018. The loan is through XXXX XXXX 
The Issue - I have made a couple of late payments and late fees were assessed. I made payments to cover the late payments and late fees. Well, I was looking at my loan account when I went to make the most recent payment and noticed all of these fees, {$130.00}. 
Before contacting the lender, I looked through all of my payments to make sure that the error was not on my end. According to my calculations, for the eleven months that I have paid the car note, it adds up to {$6000.00} plus an additional {$130.00} in the late fees. To date, I have paid {$6200.00} which was supposed to cover my car note and the accrued late fees. 
I called the finance company to ask why am I seeing {$130.00} in outstanding fees considering when I made payments according to the bills received, the late fees were apart of the monies paid. According to the agent, despite the fees showing on the bill and me sending in the payments were never applied to the late fees so the late fees are outstanding and past due. He stated that I would have had to have called and asked that the funds be applied to the late fees. 
According to the representative, the extra money was paid to the interest and not even towards the principal. I have just been shafted out of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: NEW YORK COMMUNITY BANCORP 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: Account information incorrect

Complaint:
On XX/XX/2023 Mortgage loan with Flagstar Bank was paid off in full in the amount of {$180000.00}. This amount was confirmed and received on XX/XX/2023. Lender has not accurately reported this information in a timely manner to the credit bureaus.

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 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On my XXXX, TransUnion, AND XXXXn credit reports, it does not show all of my open credit card accounts. On my XXXX, TransUnion, AND XXXX credit reports, it only it should show 4 open accounts total XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX my XXXX XXXX XXXX  account when it should show 4 open accounts total XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2020-11-23
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: Was not notified of investigation status or results

Complaint:
XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet I feel like im being taken advantage of and being ignored of mh Disputes Section 611 ( a ), its plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from mh Credit report it has been over 60 days so they should be deleted promptlyle I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into the wrong hands

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 2020-05-25
Company: The CMI Group, Inc.
State: AR
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:
Since XX/XX/2020 I have been in a constant resistance from the credit bureaus and collection agencies involving none responses from disputes stemming from myself who has been a victim of identity fraud. FTC report # XXXX and report # XXXX included specific, detailed, information regarding fraudulent related accounts appearing on my credit report. I have not received any correspondence in regards to claim and it has been well over 30 days. There are several fraud related collection accounts ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX  XXXX, Credit Management Lp ) that are appearing randomly on my credit report without me have receiving any INITIAL 5 DAY NOTICE of a collector obtaining a debt. These accounts were not listed on my credit report in XXXX of 2020 and but yet are appearing on my report to this day. In addition XXXX, XXXX, and XXXX  has not removed the FRAUDULENT ADDRESSES from my credit file as per requested either which is a deliberate refusal to honor a consumers request. are some of the accounts that were opened due to identity fraud that still remain on my credit file. Under the Fair Debt Collection Practice Act ( 1692g ( a ), Fair Credit Reporting Act and Fair and Accurate Credit Transactions Act per sections 605b, 609, 611, & 623 my rights have been violated. I am familiar with the law due to my own research so accusing me of using a credit repair company is unjust and won't hold up in court. Your data furnisher or metro 2 verification system only uses general information in formats of codes ( name, social, date of birth, address ) meaning any individual with access to that information would be able to pretend that they are me and easily commit identity fraud. Since XXXX, XXXX, and XXXX  has all violated my rights and I have specific proof, I've given them the opportunity to remove these accounts or my information will be forwarded to a consumer attorney for legal proceedings.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23
Company: Experian Information Solutions 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 found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 non-monetary relief
Consumer complaint received 2022-11-17
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:
There are accounts in my report that are fraudulent. It is damaging my credit and limiting my ability to obtain one.

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 2022-09-02
Company: EQUIFAX, INC.
State: NC
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: Accelerated Financial Solutions, LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone stole my wallet in XX/XX/2012and went to a furniture store and received furniture with my information. The amount of the debt was XXXX. Ive tried disputing this information with all three credit bureaus to no avail. I sent Accelerated Financed a  validation letter and they mailed me contracts with signatures that dont match. The debt was sold to Accelerated and they increased the amount owed to XXXX. Accelerated sent me all the info for the account, all of the info has the same address where I lived but the furniture was delivered to a different address. I had to close that account because of fraudulent activity and also filed a police report when someone broke into my car.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-06
Company: Experian Information Solutions Inc.
State: SC
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 check my credit report and notice some things that does not belong to me. These accounts are stopping me from reaching my dream personal credit standing. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

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

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 2020-05-25
Company: CAINE & WEINER COMPANY, INC.
State: AR
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:
Since XX/XX/2020 I have been in a constant resistance from the credit bureaus and collection agencies involving none responses from disputes stemming from myself who has been a victim of identity fraud. FTC report # XXXX and report # XXXX included specific, detailed, information regarding fraudulent related accounts appearing on my credit report. I have not received any correspondence in regards to claim and it has been well over 30 days. There are several fraud related collection accounts ( Caine & Weiner, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ) that are appearing randomly on my credit report without me have receiving any INITIAL 5 DAY NOTICE of a collector obtaining a debt. These accounts were not listed on my credit report in XXXX of 2020 and but yet are appearing on my report to this day. In addition XXXX, XXXX, and XXXX  has not removed the FRAUDULENT ADDRESSES from my credit file as per requested either which is a deliberate refusal to honor a consumers request. are some of the accounts that were opened due to identity fraud that still remain on my credit file. Under the Fair Debt Collection Practice Act ( 1692g ( a ), Fair Credit Reporting Act and Fair and Accurate Credit Transactions Act per sections 605b, 609, 611, & 623 my rights have been violated. I am familiar with the law due to my own research so accusing me of using a credit repair company is unjust and won't hold up in court. Your data furnisher or metro 2 verification system only uses general information in formats of codes ( name, social, date of birth, address ) meaning any individual with access to that information would be able to pretend that they are me and easily commit identity fraud. Since XXXX, XXXX, and XXXX  has all violated my rights and I have specific proof, I've given them the opportunity to remove these accounts or my information will be forwarded to a consumer attorney for legal proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
This bank is XXXX Bank of America put my account in the negative on XXXX XXXX they Left me with a XXXX $ negative balance and money was still being added to the account before it was closed by bofa they blamed XXXX at first iv fought for my money.back for 5 months and now that they have finally approved my claim on XX/XX/XXXX they said they sent my money to me XX/XX/XXXX and I see a posted transaction fir XXXX $ but they are trying to tell me my money went to the negative balance but Im entitled to that money I have bills to pay with that and also I had another agent tell me today XX/XX/XXXX that this was a mistake on their end and that I will receive my money back she even out me in a complaint and missing credit report she also said the banks mistake also included that the bank didnt 0 out the negative balance so that when the money was put back I would get it instead of it going to the negative balance how am I paying for the banks mistake or lack of professionalism I am not at fault here and I honestly demand that they fix this and send me my funds because im being told that my claim is resolved but its not I still do not have my money and this bank obviously thinks I supposed to get by with XXXX XXXX after all of this pain and suffering they took me through I need my money from them this is a panedemic they should not be able to just take our money when it was never our faults in the first place I need my money back like no tomorrow this is beyond disrespectful and incompetent this is inhuman and heartless this is beyond XXXX for me

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 2019-02-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XXXX XX/XX/2019, {$470.00} was sent to XXXX XXXX with the email address of XXXX via the XXXX XXXX hosted by USAA bank. I purchased a dachshund puppy from a person who told me his name was XXXX XXXX from phone number XXXX. On XXXX XX/XX/2019, the alleged shipper with an email of XXXX called me from XXXX ( XXXX, NJ ) at XXXX XXXX  telling me that the puppy required a specific crate and demanded I send them {$600.00} ( only through XXXX ) or else the puppy would die. I told them immediately that no legit company would ONLY allow payments through XXXX and that this is a scam. They continued to attempt to persuade me but I said no way you people are awful and ended the phone call. The individual who promised me a puppy that I paid for has continued to harass me regarding paying for this fraudulent shipment of a nonexistant puppy which I found out this scam is common, unfortunately, and there is a website devoted to warning people, but unfortunately I learned that too late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation