BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-23
Company: AFNI INC.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I receive information that a collection company submitted a claim on my credit report. after disputing it it was removed because the account was paid in full before it was closed. 2 months ago i received another collection agency claim on my credit report, I disputed the claim, on which i try to contact XXXX to find out why i was getting charge again. while on the phone with the company he told me that because i didn't remember my log in information i needed to go to a retail location, at the retail location they told me that i need it to call the XXXX ( XXXX ) number. 
collection agency is AFNI.inc, date reported XX/XX/XXXX balance {$770.00} First company to submit on my credit report : XXXX XXXX XXXX. submitted on XX/XX/XXXX Balance XXXX status : removed from credit history XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Received a phone call from a toll free number on XX/XX/22 at XXXX whereas an individual male individual pretended to be a representative from Bank of America XXXX This individual said he was from the fraud Dept. and wanted to know if I had made several transactions including one transaction from XXXX XXXX, I did not provide this individual with any personal information. I asked the individual if he knew my address to which he cited an old address that I use to own a home approximate 10 years ago. At that I hung up the phone. 
Attempted to call the toll free number and got a voice response asking about my political affiliation.

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 2022-06-10
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received communication from XXXX Collections company, regarding an owed debt to XXXX XXXX. Upon my return call, I asked what the debt was and they informed me that it was for a rental house in XXXX, Texas. I don't live in XXXX or even the county of where XXXX is located. I informed them of how Long I've lived in my city. They let me know that I would need to fill out fraud paperwork with them. They sent me the packet and also strongly encouraged me to file a place report. Which, I have done. So far, my name was the only thing used. Not my social or bank information.

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 2020-06-22
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2020 I received a letter from Shellpoint Mortgage informing me I could be eligible for up to {$10000.00} in HAMP incentives towards my principal balance. In the following paragraph it describes a opportunity to recast my mortgage. The amount with the recast was {$10000.00} higher ( total interest paid over remaining Life of Loan ) than without the recast. Everywhere I looked, it read this should not be the case. When I called Shellpoint they said it was part of the HAMP Program. I still thought it was odd that re-casting cost more in the long run. Then Covid hit and I thought that I had better opt for the recast and hope for the {$10000.00} incentive from HAMP. I still don't know if I am eligible for the other {$5000.00} at a later date. I still don't understand why my long term interest payment would be higher. And I got another letter saying that XXXX is due for XX/XX/XXXX and I have no idea what that is. I called early this morning and XXXX XXXX couldn't find out where that number was from. XXXX XXXX has limited info about HAMP loans and referred me to the Escalation dept and they send letters with information without explaining why. This is the way it has been. No one really seems to know what why the numbers are the way they are They are trying hard and seem to be guessing but that is not fair to us when we pay our mortgages. We need correct answers and help. I don't think it is fair for people to be told to call when they do that over and over and no one can help. It is a waste of time and not good business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am behind on my mortgage, but I am still making a payment and have managed to stay mostly 1 payment behind. I have been receiving letters and statements that are inconsistent, so not reflect my payments, contradictory and most recently threatening to initiate foreclosure proceedings on X/XX/17 for an amount which is unclear to me. For example, my XX/XX/XXXX statement shows no payments made, but I received several 4 letters dated X/X/17 saying that a payment of {$950.00} was received, 1 letter dated X/X/17 saying a payment of {$980.00} received & a letter also X/X/17 saying that a payment of {$960.00} was received. These payments are not reflected in a suspense account or any statement I received. I received a package dated X/X/17 for assistance saying I am 31 days late, contradicting the payment letters & statements. I then received a letter dated X/XX/17 saying I was in default & needed to pat {$2000.00} by X/XX/17 or foreclosure proceedings will begin. It is unclear to me what amount I owe, why payments have n't posted on my statements & why my past due days are inconsistent. I have also been charged legal & property inspection fees that do not seem justified.

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: CA
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:
It has been a battle going through this and I am submitting this commplaint to delete the following fraudulent information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. Under the provisions of the FCRA section 605b, I need the following items removed as soon as possible ; XXXX XXXX XXXX XXXX CT XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Date opened XX/XX/2018 -late

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 2022-06-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 XXXX XXXX XXXX and XXXX XXXX XXXX Account # 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 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 non-monetary relief
Consumer complaint received 2020-04-25
Company: BANK OF THE WEST
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
in XXXX i was give 2 delayed payments which still exist and now the are threatening reposetion i made a payment on XX/XX/XXXX for the XXXX bill they called and threatened me do to the current problems and i have complained about them before and you tookcare of it and i had proven that they had been over paid and the 2 delayed payments still exist now they are saying they dont

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 2017-07-14
Company: TCF NATIONAL BANK
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have an app called XXXX in which I can deduct money from the hours I have already worked and deposit it into my account. However the app has to see that I got paid via direct deposit. The bank lags or takes its sweet time to update and post the direct deposit information. Sometimes it can take as long by as 2 business days. Other banks like chase update their information much much quicker

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: EQUIFAX, INC.
State: WI
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 XXXX XXXX XXXX and XXXX XXXX XXXX Account # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: PENTAGON FEDERAL CREDIT UNION
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: Public record information inaccurate

Complaint:
Pentagon Federal Credit Union is reporting my auto loan status incorrect to transunion the auto loan was NOT included in my chapter XXXX bankruptcy in fact I sold the car prior to filing. PenFed sent me a payoff confirmation letter. This was sold to XXXX the account was paid in full and closed by me. As the lien was satisfied. Yet penfed decided to report it as derogatory commenting included in chapter XXXX bankruptcy this account wasnt included the account was paid in full and satisfied. Not derogatory and I want this updated to reflect paid in full as it should be.

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 2019-07-24
Company: Experian Information Solutions Inc.
State: MD
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:
XXXX XXXX XXXX XXXX stated I opened an account with them on XX/XX/2017. I never opened an account with XXXX XXXX on XX/XX/2017. I have asked this company to provide signed application, copy of drivers license and they have refused to do so. This is identity thief and I want this fraudulent account remove from my credit file. I have also asked Experian to remove this account and investigate this account and they refused to do so. Im not sure why Experian is allowing a fraudulent company report fraudulent account to consumer credit file. Please send me copies of where I signed credit card receipts since XXXX XXXX XXXX XXXX is saying I owe { {$1700.00} }. The Fair Credit Reporting Act, 15 U.S.C. 1681 is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. XXXX is not following The Fair Credit Reporting Act and Iwant something done about it!

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 2017-10-18
Company: Ray Klein, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
professional credit service accounts XXXX and XXXX are wrongfully appearing on my XXXX XXXX XXXX  credit XXXX ... .was insured by XXXX at time of XXXX ... was covered under my mother XXXX XXXX at XXXX XXXX service.XXXX XXXX. is the original creditor. 
both debts are wrongful and harming my credit rating.XXXX has removed both accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: Navient Solutions, LLC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Was told by Navient Corp that my loans were in forbearance but Navient proceeded to report late payments for 90 days from XX/XX/XXXX-XX/XX/XXXX. Loans should have never been in forbearance and should  have had a grace period starting in XX/XX/XXXX ( year I graduated ). 

Now I also just paid off my last loan balance and Navient for some reason charged me an additional {$97.00}. This needs to be refunded back to me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: Experian Information Solutions Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Experian has it documented that I opened this account in 2019. Absolutely false! I never initiated an account in 2019! After my bankruptcy I knew I couldnt get credit anywhere! I wish these credit reporting agencies STOP REPORTING FALSE INACCURATE information to keep scores low! 

I was never in contact with said debtor ANY time in 2019! I had absolutely NO credit in 2019 nor did I apply for ANY credit in 2019! I have screenshots to what Experian has posted and WISH they would QUIT CHANGING DATES on accounts I did NOT SIGN on said dates!!! That is ILLEGAL that is a total violation of my fair credit reporting! 

That is NOT my account I never initiated an account with a XXXX XXXX XXXX at no time in 2019! 

Experian just reports and post anything in attempts to hurt scores and reports! 

What ever account you have, its the wrong account because I was never in contact with the debtor in 2019!

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 2017-10-27
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
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:
Chexsystems is reporting that I owe money to XXXX, however I do not. I have proof that it was paid XXXX from XXXX XXXX and i have repeatedly sent this evidence to Chexsystems. Every time I go to open a new bank account I am told I can not open an account. I have sent Chexsystems evidence from XXXX that there is not a debt yet they ( Chexsystems XXXX refuses to remove the item blackballing me from opening an account.

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 2022-06-10
Company: TOLEDO FINANCE CORPORATION
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Toledo new I was going through a financial issue. The manager XXXX somehow got my brother 's contact information and contacted him and told him she was going to the judge to take paperwork due to missing payments. Then my brother contacted my dad, whom then contacted XXXX. XXXX then told my father also that I was behind on my loan and she was going to take paperwork to judge..my dad paid a payment for me so she wouldn't go to judge. Neither of them are on my paperwork and if I'm not mistaken noone is to disclose any information with others except to inform them that they have a personal business matter ... my father is stressed out as it is and his health is my main concern. Now thanks to toledo finance in XXXX tx my dad is stressing over a situation that he shouldn't.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX I sent a letter to Bank of America to provide proof of validation, requesting a copy of the application/form with my wet signature authorizing Bank of America to pull my credit on XX/XX/XXXX ; if no physical proof is provided to myself within 30 days to please remove this inquiry from my credit report immediately. 

They were unwilling to to provide a response to my request for physical proof such as a contract or authorization form or removed such item from reporting to XXXX, XXXX  & XXXX as of 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 explanation
Consumer complaint received 2019-07-24
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have ask Equifax, XXXX and XXXX XXXX to investigate medical collections I  have on my credit report. I haven't been to the hospital since youth and someone has compromised my identity to get medical assistance. The accounts are XXXX {$220.00} opened on XX/XX/XXXX and XXXX XXXX  for {$270.00} which are 2 separate collects which I think are duplicates, open on XX/XX/XXXX and XX/XX/XXXX. I need these accounts removed from my reports immediately as I am trying to purchase a home an this is hindering me from doing so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-14
Company: Avant Holding Company, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2022, I attempted to make a {$25.00} payment towards my credit card using the Avant mobile application. I made ONLY one attempt to enter in my password which was incorrect. I did NOT make multiple attempts to log in and I still received a message that said " Due to suspicious activity, your account is locked, please contact Avant. '' I was able to successfully log in online and make a payment however, I still want to use the app for convenience so I called Avant customer service and spoke with a rep who was highly incompetent. He was trying to reset my password although I advised him that I was able to login online but my account shows locked on the mobile app. He then proceeded to disconnect the call. I called back for a second time and spoke with another rep who did not help nor did she actively listen to the problem. She proceeded to tell me to unlock my own account. She had me uninstall and reinstall the app which did not solve the problem either. The call was then disconnected by the representative. Avant 's customer service is horrendous.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I am aware of all my rights, that I have, and which are protected by the Congress under the Fair Credit Reporting Act. The list of accounts below violated my federally consumer rights to privacy and confidentiality under 15 USC 1681 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 also states a consumer reporting agency can not furnish an account without my written instructions. 
Delete these accounts immediately according to law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief