BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-02
Company: American Financial Network Inc.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On Wednesday XX/XX/XXXX I called XXXX back from a call that I missed from them. The call was at XXXX PM and the call lasted for just under 39 minutes. During the call I was given numerous false and contradictory information. 

A : I had filled out a complete loan modification form and emailed it to American Financial Network and was told that the application only had 2 pages and was sent on XX/XX/XXXX. In fact all pages were filled out and submitted in the application sent. 

B : After resending exactly that was sent on the XXXX of XX/XX/XXXX, I went over with the worker how I sent every required page in the loan modification application. The answer now from the worker was that it was not acceptable to have the loan modification in 2 attachments within email sent. This is another layer of deceit in order to deny me my rights as a consumer and the Federal Covid laws. When caught doing fraud in stating that I only emailed 2 pages of a 13 page loan modification documents, the answer was not to admit to being deceitful in claiming that I only sent 2 pages on XXXX XXXX XXXX but rather the approach was to claim that sending ALL the required loan modification application documents was unacceptable because it was contained in 2 attachments with email sent on XX/XX/XXXX and then again on XXXX XXXX, XXXX. 

C : I was told by phone that I sent 2 pages of Bank statements on XX/XX/XXXX, but in reality I sent the full loan modification filled out by email. This was another layer of deception and contradictions within the same call as INDISPUTABLE call recording will show. 

D : I was given a random list of documents that I was supposed to provide in addition to the application, but there were no specifics and nothing was sent outlining the items that I needed to provide.

E : I was then asked to send documents that I previously sent numerous times. I was asked to send tax returns for XXXX and XXXX, but I explained countless times that I was not required to file taxes for that year and as a result my XXXX XXXX did Profit and Loss reports for XXXX, XXXX, and XXXX. I previously was told to continually add to these documents such as signing the documents myself, having additional language added, and more. 

After having previously provided every document required by American Financial Network and then asked for more and given contradictory lists of information when making calls to American Financial Network the tasks became inconsistent and impossible to follow. This is all a pre-meditated and malicious scam by American Financial Network which is now clear from all of the previous calls and now these absolutely absurd contradictions and claims by American Financial Network when talking to loan expert XXXX who worked for the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-27
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Midland credit managament can not prove ownership of debt, provide itemized charge or letter from credit originator. I have contacted them three times trying to verify debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-27
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Why does my interest rate keep increasing and decreasing at random? I have been paying on this loan sinceXX/XX/XXXX and the principal and interest keeps flucuating. Example : on XX/XX/XXXX the interest payment was {$120.00} but on XX/XX/XXXX it was {$130.00}. On XX/XX/XXXX the interest rate was {$120.00}. 

This is a Wellsfargo account, and I have automatic payments. Please help with this concern. 
Thank you, 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 2022-09-02
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:
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 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 2017-09-08
Company: EQUIFAX, INC.
State: CA
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:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Experian Information Solutions Inc.
State: VA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-27
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
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 have a credit card with Huntington National Bank that was recently purchased from XXXX XXXX XXXX. During that transition, there were charges and payments made on that account which were not made by me running the total up to {$58000.00}. I disputed these charges with Huntington and 3 days later they sent me a letter saying they could not verify those were not made by me. I asked them to be re-investugsted which they refused. Now I have a balance of XXXX on a credit card that the limit was XXXX and they are reporting me 90 days behind on payments. I have attempted to get statements from them but they have restricted my online access so I can not see the statements or what was charged. This is ruining my credit. This account was open for almost 2 years with no issues and Hintingting takes over and now there are issues. They told me that there are payments made online through a XXXX account that were returned, I have never had a XXXX checking account. I want those charges removed from my account that were not made by me and my payment status updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-26
Company: MOHELA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
This complaint is related to public student loan forgiveness. I am a XXXX XXXX with XXXX XXXX XXXX dating back to XXXX 2008 with XXXX XXXX XXXX and XXXX XXXX. A review of my payments indicate only 20 payments qualify for loan forgiveness! After nearly 9 years of employment and consolidating loans ( with a higher interest rate ) in the direct lending program, which was required to be eligible for public service loan forgiveness program. I am now learning that I am 100 payments short of the required 120. I am outraged. My servicers changed several times over the years and in that process my payments were apparently thrown off track. At every juncture I was assured that the plan I was in qualified for pslf. Now I am learning that the payments I made for years did not qualify. This is not my fault. I believe every payment I made should count. I 've been working for years in public service, in a field that requires a XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I sent a international money transfer from my XXXX bank  to my XXXX Bank account and it was promised to be done within minutes. On XX/XX/2022. Once I realized that I did not receive it on XX/XX/2022 I requested a refund which till this day I have not received XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: DISCOVER BANK
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I received a text from what I thought was XXXX informing of an attempted wire transfer on my account. I was then called by a person stating he was from XXXX. The number he called from was the XXXX customer service number. He said he was stopping the wire transfer and used the information he asked me for to get into my account and steal {$3200.00}. He bank listed on the transfer was Discover Bank and his name was listed as XXXX XXXX.!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PORTFOLIO RECOVERY calls 2 -3 every other day but never leaves a message. I looked them up on the web site XXXX and the consumers complaints are that they are a debt collection agency. I have no debt that I owe anyone. Their phone numbers changes every time they call so it 's impossible to block their calls. I 'm frustrated with all the scam/fishing calls I continuously receive every day. When is the government going to start making examples of these companies that completely ignore the Do Not Call registry?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-26
Company: U.S. BANCORP
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
It has been an ongoing situation with US Bank. We just found out yesterday that the loss mitigation has been denied. We sent in a mortgage payment and they sent it back to us. They accepted the last months payment. We have sent in many documents that they have requested of our finances and they still say that there are documents missing. I firmly believe that the right hand does n't know what the left hand is doing and they are letting papers fall thru the cracks. I have sent them by registered mail and all I get for a signature is a squiggly line when it specifically says print and signature needed. 
US Bank has assigned us many relationship managers to deal with us and when they assign us another RM we have to explain all over again to that one. Then we get a call from US Bank that everything looks good and that they do n't need anything else. 
Please help! We are tired of all of their wishey washey dealings.

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: NY
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-03-07
Company: American Collections Enterprise, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
{$450.00} owed - covered by insurance. Coinsurance was incorrect. Tried to dispute. Still on credit report by American Collections

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 2017-08-26
Company: HireRight Solutions, Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My potential employer requested a background check from HireRight. I received a notice from my employer that they would not hire me based on information they received from HireRight. Their report included a criminal conviction from 1988 that is an error. Also, the background check was only supposed to go back 10 years but clearly they went back 30 years to find a record that does n't even belong to me. My problem is that they 're reporting is haphazard at best. Surely, they must have access to a myriad of other data points that they could have used to discount this erroneous record. Lastly, they asked for documentation to clarify past employment. I sent them additional documentation which they did n't even bother following up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I need to close my checking account XXXX current balance {$0.00} XXXX and tried to do so online and over BBT 's XXXX number but couldn't get through. I called my local branch and both the customer service representative and branch manager told me I would have to either come to the branch in person ( I don't feel safe doing so ) or to send in a notarized letter XXXX which costs money ). 

If BBT can open my account with online signatures, I should be able to close my account with online signatures or over the phone at the very least.

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 2019-07-31
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
THE PUBLIC RECORD IS A DISMISSED ACCOUNT, I AM NOT LIABLE TO THIS ACCOUNT. PLEASE INVESTIGATE THIS MATTER AND HAVE THE DEROGATORY ITEM OFF MY CREDILT FILE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-19
Company: WELLS FARGO & COMPANY
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo basically gave us payment deferral that was not necessary, we have continued to make payments and do not want this to reflect on our credit score. We didn't ask for this relief.

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 2022-03-07
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This company has committed fraud and aggravated identity theft by acting on my behalf with my data pursuant to XXXX8 USC 1028. They use the Credit Reporting Agencies to furnish a deceptive form on my report to make it seem as if there is a debt owed which is a violation of 15 USC 1692J. This company has committed fraud through the mail and by Credit Reporting Agencies stating I owe a debt that is not mine which is a violation of 15 USC 1692B ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This company has committed fraud and aggravated identity theft by acting on my behalf with my data pursuant to 18 USC 1028. They use the Credit Reporting Agencies to furnish a deceptive form on my report to make it seem as if there is a debt owed which is a violation of 15 USC 1692J. This company has committed fraud through the mail and by Credit Reporting Agencies stating I owe a debt that is not mine which is a violation of 15 USC 1692B ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Company writes false information on all three credit reports after becoming military XXXX. XXXX XXXX military XXXX in 2015 after suffering an XXXX XXXXXXXX and becoming XXXX. Company writes that payments have been made by me in order to keep the report active. No contact with the company since the recovery of the XXXX. The payments that the company is reporting. Fraud is being committed and the company sold me a 6000.00 packet for debt protection and attempted to block my use of it. Company ignores the 7 year rule.

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