BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have Written TransUnion Several Times via Certified Mail. Regarding the accounts in question.XXXX, XXXX, XXXX, XXXX. These accounts in question have came back Verified but verified with NO documentation within a 30 day period.

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 2015-04-14
Company: EOS Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
in XX/XX/XXXX a collection acct showed up on my credit reports from eos cca. In XX/XX/XXXX I contacted the company through the phone # listed on my report after not receiving a dunning notice. I advised this is not my account and I do not owe their company and asked them not to report to which they responded by hanging up on me. I called back and spoke with a supervisor and explained again this is not my account and that I would need to start recording the call which was met with the same fate of the survivor hanging up on me. I then contacted XXXX and they stated they had no information in regards to me owing any amount to them. I then contacted eoa cca to advise what I 'd learned from XXXX only to receive rude and accusatory comments. I did n't not reside in the state that the representative said the account was in. 
Persistent attempts to collect debt that the consumer did not owe. 
Improper communication tactics. 
False statements or misrepresentations. 
Failure to disclose information that would allow the consumer to verify the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: AFNI INC.
State: IA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX did not properly record the fact i returned their equipment and is trying to collect a {$100.00} penalty. I 've spoken to customer service reps who have documented numerous attemps by me to request promised shipping documents. When the shipping instructions finally arrived, I properly boxed up the equipment and set back as instucted. Now XXXX is tying to collect a penalty for late return when in fact it was their failure that led to the late return. customer service reps have told me that all charges were reversed due to their error, but yet I am still receiving collection notices from third party agencies and AFNI

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: Cottonwood Financial Ltd.
State: WI
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
In XXXX I took out a payday loan from the XXXX in Illinois, I though the loan had been satisfied, but apparently it had n't. On XXXX/XXXX/XXXX I received a call on my work phone from XXXX stating that I needed to contact " XXXX XXXX '' ( XXXX ) and give them claim number XXXX XXXX XXXX. The informed me that the debt was a breach of contract and that was being sued and was in legal trouble for this 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 explanation
Consumer complaint received 2016-05-12
Company: Simon's Agency, Inc.
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a collection notice for {$1500.00} from Simon 's agency Inc. dated XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I notified them that we are disputing the validity of this debt as : 1.We were billed for services not performed. 
2.We did not authorize some of the services that were performed. 
3.Some of these charges are for fraudulent billing. Simon 's agency has been notified about this. 
4. My insurance and I have already paid them about {$1600.00} Instead of providing us the requested info Simon 's Agency reported this amount to credit bureaus XXXX as " unpaid '' and " collection '' in an attempt to damage my credit report. When I wrote back to them they informed me that they have reported the account as disputed. However, none of the credit reporting agencies is reporting the account as disputed. 

In spite of my repeated requests Simon 's Agency has not properly investigated this matter and has not provided us the information that we requested. I last wrote to them on XXXX/XXXX/XXXX. 

As a result of misreporting of this information to credit reporting agencies My credit score has dropped by about XXXX points.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13
Company: AFNI INC.
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
AFNI CALLED VARIOUS CELL PHONES AFTER CEASE AND DESIST IN VIOLATION OF YCPA, AND PULLED XXXX XXXX XXXX AND XXXX XXXX IN VIOLATION OF FCRA. FINALLY CALLED ALL MEMEBERS AT WORK WHERE THEY KEPT ASKING ME PERSONAL QUESTIONS IN VIOLATION OF DODD-FRANK ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Investigation took more than 30 days

Complaint:
i have submitted disputes to you and didnt get a responce in 30 days and you are required by law to do so. please investigate my disputes thank you

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 2022-05-18
Company: GOLDMAN SACHS BANK USA
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
During XX/XX/2022, Apple Card offered a 5 % Cash Back promotion for a new card holder on their first purchase from Apple. I signed up for a new account on approximately XX/XX/XXXX and ordered a XXXX '' XXXX XXXX on XX/XX/XXXX. Due to shipping delays, the laptop was not expected to ship until XXXX XXXX. During that time, I used the card with the anticipation of paying off the full balance when the laptop charge hit so that I could have the full available balance for the charge. 

On XX/XX/XXXX, I got the alert that the laptop charge was attempted and did not clear due to insufficient available credit. I paid off the balance in full that day, but Goldman Sachs/Apple Card held my payment for 10 days. During those 10 days I called and texted daily both Apple and Goldman Sachs to try and resolve the situation. Per Apple, my laptop order would cancel on the XXXX, and per Goldman Sachs, my payment would not post until the XXXX. Goldman Sachs attempted to expedite the payment daily but " The System '' Would not let them since it was a new account, and no supervisor I talked to could do anything. On XX/XX/XXXX at around noon, my laptop order canceled, and 12 hours later around midnight on the XXXX the Goldman Sachs payment finally posted and I had the full available line of credit. 

I ordered another laptop and asked if I could get the 5 % cash back offer on the new purchase and was denied since it was outside of the offer window. I tried to explain that this felt like a bait and switch tactic since I was not the reason the payment was held, and that I did everything I could to make the offer happen. I was denied multiple times, and various cases were " sent up '' to departments with no follow up. The times someone did try to get back to me, they redirected me to front line support who could not do what I was requesting, or simply put in more cases that were never followed up with. Throughout the process of trying to get the payment expedited and trying to get the 5 % cash back. I was told multiple times that if I had first put the money in the Goldman Sachs Apple Cash account, that the credit card payment would have posted instantly which also feels rather dirty and scammy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account information incorrect

Complaint:
Please review the attached dispute letter explaining the background and requested resolution.

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 2015-05-07
Company: Altisource Portfolio Solutions, S.à r.l.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had XXXX accounts with XXXX XXXX XXXX. XXXX of the account was settled with Nationwide Credit INC ; XXXX XXXX XXXX ; XXXX XXXX, PA XXXX. I use XXXX Banking for all my transaction to XXXX. I received a letter form XXXX dated XXXX/XXXX/15 claiming that they did not receive XXXX XXXX XXXX, 2015 payment. I sent emails showing that payments were made on XXXX/XXXX/15 & cashed on XXXX/XXXX/15 and XXXX before it was due. Instead of XXXX sent the money back, according to XXXX, XXXX ID xt XXXX, the money was sent on XXXX/XXXX/15 & XXXX/XXXX/15 for {$1100.00} each total of {$2200.00} to XXXX. According to XXXX I owed {$4700.00}. I asked why the money was not sent back and why there was no response to my email she had no answer. I had XXXX from XXXX Bank on a XXXX way call. XXXX refused to speak to either of us unless XXXX call back on a line that was not recorded, however, without our permission, XXXX recorded the conversation. XXXX told us she would not talk to us unless she goes thru her speech that XXXX was a debt collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/XXXX was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXXXXXX XXXX XXXX   and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

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 2016-08-16
Company: Capio Partners, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have disputed this account many times with XXXX the credit agencies and with Capio Partners. The credit agencies stated that Capio Partners verified that this account belong to me. I yet to see my signature on any documentation. I was a victim of identity theft. My purse was stolen and some credit cards was fraudulently use. I have notified both the credit agencies and Capio Partners and this account is still reporting on my file. They both are in violation of the FCRA in reporting items that do not belong to me. I need your assistance in getting this matter resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-06
Company: JTM Capital Management, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company XXXX XXXX XXXX has called me stating they are reviewing a matter and have been retained by JTM Capital Management for XXXX XXXX XXXX from something from XXXX 2014. I have never heard of either company. They refuse to send me anything in writing when I requested it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am contacting the CFPB for help in dealing with my mortgage servicing company, Shellpoint Mortgage. My property is in XXXX, New York and I own three other rental properties in this same building but in XX/XX/2022, New York had a moratorium for landlords to not be able to evict tenants not paying. All the tenants in all of my properties stopped paying rent. The New York State moratorium was not lifted until XX/XX/2022. I contacted Shellpoint Mortgage to request the payments not made while on the forbearance be moved to the back of loan or the maturity date be extended by the numbers of months the loan was on a forbearance but I was told my loan is not eligible which I do not understand why the XXXX XXXX  XXXX XXXX does not apply to this loan which is owner occupied. I was told to submit an application which I did but Shellpoint Mortgage Said they will only differ few months not all the time while the mortgage was on forbearance. Therefore the loan monthly payment will increase Which will be above my means. I know I do not qualify for a traditional loan modification because the monthly principal and interest payment will increase. I am simply looking for a deferment under the XXXX XXXX  XXXX. Now, I can not even satisfy what they are looking for and will lose even more time pending foreclosure. Please help me so I can resume making my regular monthly payments with no arrears owed. I send them the usual monthly payment as per the original amount not with the huge increase that they are asking me for, I was told that that payment will be rejected and sent back to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: EQUIFAX, INC.
State: CA
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:
Equifax will not remove a collection that is a duplicate report from XXXX XXXX XXXX. I have disputed this specific item 3 times with Equifax and followed up with a customer service representative about this dispute to no avail. 
Date Reported : XX/XX/XXXX 1st one reported Collection Agency XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$230.00} Amount {$350.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # # # # # # # # XXXX Creditor Classification XXXX  Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX reported Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$240.00} Amount {$350.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # # # # # # # # XXXX Creditor Classification XXXX  Last Payment Date XX/XX/XXXX Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I paid the Great Lakes ( U.S Department of Education ) the full amount for my student loan and it has not been updated on my credit report. They cashed the money order on XX/XX/22.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: AMERIS BANCORP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Ameris bank holds my mortgage, try to re-fi with them in XXXX XXXX with thru process, got approved and a few days before closing was told that they did not know my home was a manufactured home even though they hold the loan. ( Paying for 20 years ) said they could not do a cash-out re-fi because of this. then offered a noncash-out re-fi. we said ok and sent in the new signed paper work. then 2 days later they ( ameris ) came back and said THEY COULD NOT DO LOAN because manufactured home was over 10 yrs old. paid money out for appraisal with a company that they said i had to use. having problems getting my appraisal fee back ( {$510.00} ). agent tried to give us a XXXX gift card for {$120.00}. we said NO. they said that they tried to get it back ( gift card ) but that we had already claimed the gift card ( but we did not ) and sent us the difference of {$380.00}. ( after a bunch of fighting for it ) .. XXXX  said somebody else claimed the gift card, but will not give us this info and said for the purchaser ( ameris ) to contact them. i have tried since XX/XX/XXXX to contact them ( mult voicemails ) and they will not return my phone call. have ALL E-MAILS AND DOCUMENTATION ....

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19
Company: Dynamic Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received 2 phone calls today from a Robo-dialer and returned the call to a company called Dynamic Recovery Solutions. They claimed I owed a debt of {$130.00} from account XXXX which was opened in XX/XX/XXXX and payments were made until XX/XX/XXXX. 
Firstly, I never had an account with XXXX or the wireless companies they acquired. Secondly, this debt is far outside the statute of limitations.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-03
Company: Alabama Housing Finance Authority
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
ServiSolutions, the mortgage servicing department of the Alabama Housing Finance Authority, wrongfully foreclosed on homeowner XXXX home located at XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX. ServiSolutions failed to timely renew the homeowner 's insurance, then forced-placed more expensive insurance, and then failed to mitigate unnecessary foreclosure by failing to work with homeowner to apply for loss mitigation. Homeowner is XXXX and lived in his home with his XXXX son.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: WELLS FARGO & COMPANY
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Wells Fargo is trying to collect almost {$100.00} from me every month. I usually pay {$53.00} per month. Why is the minumium balance almost tripled? I am able to pay the usual {$53.00}? I rarely go over my limit.

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 2022-05-18
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I bought a new XXXX XXXX XXXX in XX/XX/XXXX, and Chrysler Capital did the financing of the loan. I setup online account access and requested payless statements. I received one payless statement in XX/XX/XXXX and nothing else. I've never received paper statements either. On XX/XX/XXXX, I called Chrysler Capital and spoke with XXXX, employee ID # XXXX, who advised me that he could send me a copy of my XXXX and XX/XX/XXXX statements but when he attempted to send it to me, he was only able to send XX/XX/XXXX statement. While XXXX was extremely helpful in trying to resolve the issue, he was unable to. 

As outlined under 12 CFR Part 1026, subsection 17, the creditor, Chrysler Capital, is required to provide a periodic statement in either print form or electronic form provided by the consumer has agreed to electronic form.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Affirm Holdings, Inc
State: TX
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: Personal information incorrect

Complaint:
3-4 Months ago, a friend XXXX XXXX ordered something through Affirm. 
Somehow my information was put on the account from Affirm. 

We have both called to get this corrected and Affirm states they can not do anything to correct the social on the account. 

They simply kept stating that the Affirm has no way to change a social on account after it is made.

Company response to consumer: Closed with explanation