BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-22
Company: First Colony Mortgage Corp.
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of XXXX we were approved for a 3 month COVID Forbearance from our mortgage company. The forbearance granted suspended monthly payments from XX/XX/XXXX through XX/XX/XXXX. We used 2 months of the forbearance and resumed our normal mortgage payments 1 month early on XX/XX/XXXX of XXXX. Somehow we have ended up with late payments, missed payments, and most disturbing, negative marks on our credit report. 

I called our mortgage company at the end of XXXX XXXX and reported that my husband was working again and we would like to end the forbearance early and have the 2 suspended payments deferred to the end of the loan. We were told to make the XXXX payment and then call back once the payment was made to start the deferment process, we did just that. On XX/XX/XXXX we initiated the deferment process via phone call with the lender. We were told that we would receive the deferment. On XXXX we received a letter from the lender that we were approved for a payment deferral and as of XXXX our mortgage would be brought current. On XXXX we received a voice mail from the lender stating that we were behind in our payments. I called the next day and after being transferred to 3 different departments, learned that they did not have record of our deferment. I have two different letters from the lender that state " You are approved for a payment deferral ''. I was told that they had to send it to some one via email and I would be contacted in 3 to 5 days. 

It is my understanding that under the Cares ACT that it is illegal to report a negative report to the credit agencies. The paperwork that I received from my lender states " The status of the account at the start of the forbearance will be preserved throughout the forbearance period. If your account was current at the time the forbearance began, we will continue to report your account as current throughout the forbearance period ''. My credit report shows late and missing mortgage payments since XXXX XXXX. This has negatively impacted my credit score.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On 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 ignored and disrespected. Section 611 ( a ), plainly states that failure to investigate these items with in 30 days gives a reason to immediately remove these items from my credit report. I demand these accounts be deleted immediately other wise I will file litigation due to the stress and lost of income that this bad credit rating caused me. Per my attorney my information was impacted by the XXXX data breach and this may be the way my information got 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 2016-04-06
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
The Creditor is continuing to collect on the debt and utilizes numerous agencies after I provide a formal dispute. They are actively collecting this disputed debt in violation of FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid 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 had multiple disputes from a merchant that was using various names for all around the same amount of money. I included all of the transactions that I identified as from them in my dispute. This company never provided me the services they were supposed to provide in accessing an online portal for daily competitions against other players. The service was supposed to provide me this access and they never provided me the login information and they continued to charge my card. I asked Bank of America, on XX/XX/, 2017, via mail to dispute the charges. Online, they showed they received my letter as they disputed 3 of the 13 charges i disputed. However, they refuse to send me any correspondance and they keep telling me they sent out " letters '' asking for " more information to process the request. '' So, I resent my original dispute letter which details exactly what needs to be disputed, why, and what steps i took originally to talk with the merchant about the charges. 

They refuse to assist 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 explanation
Consumer complaint received 2019-06-17
Company: Commonwealth Financial Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2019 i was notify of a collection from Commonwealth financial system i have no knowledge of this company i have never signed a contract with this company i have never done business with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: Municipal Collections of America Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
company sent a letter stating i owed for a traffic ticket the letter stated that if i wanted to dispute the ticket i was told by miss XXXX i could not dispute the charge i read to her the part in the letter that stated i could dispute the debt then she asked me why i wanted to dispute the charges i toldher that this did not apply to meshe said that this involved a XXXX and a XXXX i told her i have never owned a XXXX   or a XXXX  then she gave me the last 4 of the social and date of birth i told her that was not me then she asked me if i had a son was i senior or a junior i told her that i was not the person who she was looking for she got rude and indigant and hung up this company needs to correct their records and be punished for their actions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
experian will not dispute fraud items on credit report have filed a police report with local police and with identitytheft.gov and sent them to them still unable to get items remove.

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 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-06-20
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2019-06-17
Company: FIRST HORIZON BANK
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I accepted an off at First Tennessee Bank that if I started a new checking account with direct deposit I would receive a {$200.00} bonus. After 3 months I received no bonus I asked them how long it would take and at that point I was told that I didn't qualify since I had a savings account with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-16
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:
I have sent multiple dispute letters to the bureaus regarding the fraudulent account on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.

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 2023-07-18
Company: Avant Holding Company, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/2023, I received a phone call from Avent computer about a possible fraud due to some game charges I was playing and it's a great feature to have. 

I got the call at around XXXXXXXX XXXX. EST. 
It was advent 's computer calling about a fraudulent charge and the computer is the only way that they send you a message to verify if the charges are valid or not so your account could be unlocked. They said no email they send no text it's only by phone. I hadn't done anything in hours. So I called them. 
Ask them when the original charge that it frauded was for time and what it was. That's when the representative told me that it came in and they used there time zone but for mine it was at XXXX something XXXX. and I didn't get the call from the computer until XXXX XXXX 

I will attach as many of the email copies as I can. 

I apologize if you have duplicated attachments or if you need more it's very hard for me to be doing this and copying emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: Financial Adjustment Bureau, Inc.
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We are being charged interest rates on medical bills. 
XXXX XXXX XXXX XXXX amount XXXX interest XXXX fees XXXX total XXXX XXXX XXXX amount XXXX interest XXXX fees XXXX total XXXX XXXX XXXX amount XXXX interest XXXX fees XXXX amount XXXX XXXX XXXX XXXX XXXX about XXXX interest XXXX fees XXXX amount XXXX Other creditors amount XXXX interest XXXX fees XXXX amount XXXX From everything I've read it's not legal to charge interest on medical bills because interest was never written in the original contract. When i asked why they were charging interest on medical she told me they were allowed to do that as a 3d party debt collector. I don't have exact dates but the statement date i have here is XX/XX/2019. I have been paying on this for maybe 2 years {$50.00} every other week..did n't look at statements because their amounts were high and figured it would take awhile. I was told the money goes to principal then they get there interest after. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: ACIMA CREDIT, LLC
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: Old information reappears or never goes away

Complaint:
I have reached out to XXXX XXXX to remove the old account from my credit report, they are removed and added right back in a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: WELLS FARGO & COMPANY
State: IA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/21, my son, who is a XXXX XXXX, was emailed a check for {$2000.00} and deposited it into his saving account at Wells Fargo. The person said that my son was overpaid and needed to send her back {$1000.00}. My son used XXXX to send that {$1000.00} back. On XX/XX/21, of course that check bounced causing his savings to go into the negative and consequently, he is out {$3000.00}. This whole situation was obviously fraudulent taking advantage of someone's trust. I went to a branch of the bank to discuss options and left feeling very undervalued as a customer. I expressed my concerns asking questions and the person just offered to close all my accounts for me. They said he is responsible to bring that account out of the negative fully and if not, they would pull money from one of the other accounts to do so. I was informed that if it wasn't paid back, his account and information would be noted with a banking regulator and he would not be able to get another bank account at other banks as well. I've been a customer at Wells Fargo for 25 years and carried a large amount of money in the bank. My immediate family has 8 different checking/savings/investment accounts in this bank. There are actions I feel the bank should have taken to protect it's customers in a situation like this. 1 ) This fraudulent activity isn't the first time it's happened with a bank like Wells Fargo. This was clearly suspicious and they should 'red flag ' certain accounts or even any check not coming from a regular income stream. 2 ) All of this money should not have been made available until the check cleared. Obviously this is a XXXX time and learning lesson for him as a XXXX XXXX  but the bank was neither helpful or sympathetic in the to situation.

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 2023-07-12
Company: Bread Financial 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: Their investigation did not fix an error on your report

Complaint:
Comenity Bank continues to incorrectly report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Comenity Bank continues to incorrectly report payment activity which provides an incorrect date these accounts are scheduled to be removed. The seven-year period starts with the date of first missed payment. However, on the above accounts Comenity Bank has failed, repeatedly, to report the first missed payment or correct same after I filed multiple disputes. 

Additionally, there are 2 addresses that appear on my credit report : XXXX XXXX XXXX, XXXX XXXX, CA and XXXX XXXX XXXX in XXXX, TX. These addresses belong to attorneys that Comenity Bank retained to pursue me for collection. These are not MY addresses and should not report as places where I have lived. I have also disputed this multiple times and each time it was confirmed as my address. 

I finally reached out to XXXX 's XXXX XXXX and they have removed their attorney 's information as my contact information. Yet, they still have refused to correct the reporting of the above-mentioned accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: Google Compare Credit Cards Inc.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I opened a account years ago to keep from seeing ads Google Pay got my charge card information and then the nightmare starts without my permission someone or something caused many charges probably several XXXX dollars a month. I didn't know it was happening because I have my wife whom should have been monitoring my charge card bill she wasn't reading all the charges and they made many charges from around {$5.00} up to {$19.00} and one rare {$99.00} purchase. These charges aren't mine I want my money refunded so I can pay my charge card but they are refusing to cooperate with me. I'm suppling some screen shots from my cell phone, there's already emails fishing me for my credit card information. The charges aren't my charges!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 4 different times : XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX as XXXX ; plus one of them as XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX accessed my credit file with Transunion, without my permission. This fraudulent activity was reported, as well as fraudulent activity with my Credit Card. My card got cancelled 5 times, but the inquiries are still on my report, after several times disputing them with transunion and the bank. On or before XX/XX/XXXX XXXX sent a letter describing the action, and stating that they were asking the CRA to remove the hard inquiries from my report, due to be considered fraudulent. An affidavit was sent to them regarding this fraudulent activity. XXXX was deleting them, without the need to go to small claims court. As up to date, Transunion shows the 4 inquiries still, meanwhile the other 2 CRA deleted them already. Since this is a violation, to the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making a goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 2 parties above. Transunion Is neglecting to remove them after being way over the FCRA timeline without providing evidence, and method for verification. Should them continue in their non-compliance, I may end fighting AT COURT, for Some time with all the evidence and proof of delivery to the CRAS. As I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XX/XX/XXXX ), they may be liable for their willful non-compliance. Failure to respond satisfactorily within 30 days from the original complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. )  Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting. This has been reported repeatedly. CFPB please issue a fine for no compliance with the FCRA.

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 2023-06-20
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: Information belongs to someone else

Complaint:
This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$610.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX # XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/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 2022-12-02
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:
US department of education XXXX It says owed {$2300.00}. I did not authorize this account. I dont know who opened this account in my name.

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