BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-12
Company: Avant Credit Corporation
State: OH
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
A loan was taken out in my name from a company called Avant in   XXXX   XXXX  . I have previously sent them my police report an d two n otarized identity theft affidavits. I sent the first notarized FTC Identity Theft Report and copy of my police report via certified mail on  X/X/XXXX . They then sent an email on   XXXX   XXXX   XXXX  , stating in bold lettering that " An FTC Identify Theft Report '' is not acceptable ) and requesting I fill out and have notarized a new form which I sent back to them on   XXXX   XXXX       I have since received an email from their fraud department ( on   XXXX   XXXX   XXXX   ) stating their investigation was closed and the account would be removed from my credit reports.     I am currently being sued by a debt buyer,  XXXX   XXXX  in relation to this account. I 've requested via email th at Avant  notify  XXXX   XXXX  and  XXXX  's attorney,  XXXX   XXXX , of the findings of their investigation. They did not agree to notify  XXXX   XXXX  or  XXXX   XXXX , and instead directed me to handle the issue with them on my own. I informed Avant I had already sent my police report and affidavits to  XXXX   XXXX  and  XXXX   XXXX  and have not heard back from either company, and the lawsuit has not been dropped.     I have requested  a manager or supervisor from Avant 's Fraud Department contact me by phone on multiple occasions, both in writing and over the phone. The phone reps at Avant insist it is impossible to speak to anyone in the Fraud  department because " they only do business over email ''. I also contacted the company I believe is their owner, or funder of their accounts, called  XXXX   XXXX , informed them of the situation and request a call from a manager or supervisor.   XXXX   XXXX   informed me they have no way to intervene on Avant accounts but the  XXXX   XXXX  rep stated she was sending an email to Avant 's fraud department requesting a manger call me asap. That was several weeks ago and no one from Avant or   XXXX   XXXX   has contacted me.     I have also requested a letter of clearance stating the results of Avant 's investigation and that the account would be removed from my credit reports. Although they have replied via email since then, this request was never addressed in their response.     Since I have provided all the requested documents to  Avant  and they have determined the account was opened as a result of identity theft I believe they should have the responsibility of notifying the debt buyer they sold the account to of the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am in the process to obtain a loan modification and also I applied for assistance with " Keep Your Home California '' and my lender ( bank of america XXXX gave a wrong information to Keep Your Home California and now keep this institution cancel my file. I am really disappointed that bank of america gave the wrong information when I am still in the process to get approve for my loan modification. I might qualify for " keep your home California ''

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 2019-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I have attached attachments as proof. Transunion-which is the ONLY credit bureau the company, XXXX XXXX XXXX, usesreduced and then reported a WRONG score of XXXX to them which caused a result in denial of credit for approximately {$150000.00}, on XX/XX/2019. I reviewed my own score on XX/XX/2019, which was XXXX, which met XXXX lowest score requirement of XXXX! When I received their denial I immediately inquired why thinking discrimination ; however, when I received the letterattachedI can clearly see is possibly discrimination but definitely a violation of my rights under FCRA on the part of TransUnion Credit Bureau. I checked it AGAIN AFTERWARDS and it is now XXXX, still higher than the XXXX that XXXX required!!! TransUnion is vaguely in violation of consumers rights we should be able to file class-action lawsuits! TransUnion has regularly reported false and fraudulent reporting, but this goes beyond measure.

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 2018-05-18
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
After filing complaints about 1 month latter Huntington Bank has done the same thing of doing overcharge fees on items I dont have. Including charging me twice for same item then charging me overcharge fees. Also they received a complete account audit letter from my attorney and me but havent done audit. In conclusion, still from previous complaints I havent found out why a electronic check was cashed listed as paid then a week later disappeared from account and listed as unpaid but I never was notified and still havent been refunded. Nor has what happened been explained, which a audit should do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-01
Company: CARD Corporation
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was incarcerated in XXXX XXXX, Maryland on XXXX XXXX XXXX  and was released on XXXX XXXX XXXX I was unable to have access to my account as I was incarcerated and my money went missing. Filed a dispute still no resolution after 6 months and they suspended my account and won't release money in my account I worked for to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 # XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.

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 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
When I re-investigated my credit report, I realized that some of the information was erroneous. The XXXX and TransUnion credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX : XXXX XXXX XXXX  XXXX Balance : {$39000.00} XXXX XXXX XXXX : {$0.00} TransUnion : XXXX XXXX XXXX : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 


XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2019-10-18
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: Account status incorrect

Complaint:
I settled the XXXX XXXX account in full through XXXX XXXX XXXX. Transunion is still reporting the account on my credit file as delinquent, negative debt. This account should reflect as settled in full or removed from my report as the collection agency agreed by written letter that this account is serrled and I am released from the obligation.

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 2019-08-03
Company: LCO Financial Services, LLC
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I borrowed money over the phone. I borrowed {$1400.00} on XX/XX/2019, after being assured that if I paid it back on XX/XX/XXXX that the total payoff would be {$1500.00}. I was told that I could pay it off early on any day by calling one day in advance. I called on XX/XX/XXXX and was told that the loan would come out of my bank acct on XX/XX/XXXX, three days later NOT THE ONE DAY I WAS PROMISED. I was also told that the payoff was now {$1600.00}, NOT THE {$1500.00} I WAS PROMISED. I was totally lied to in the origination of this loan. I was told the origination phone call was being recorded ... ..yet the Company has refused to review the recording and adjust to what was promised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I called and asked why they keep calling me. I make my payments on time. They saidmy number was connected to another acct. the lady said she would fix it my acct was fine. 1 hour later I get another call. I try to call them back to question them and now my calls dont go through

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-02
Company: Aspen National Financial, 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 status incorrect

Complaint:
Had previously filed a complaint against Aspen for their illegal third party reporting on my credit and they have removed the incorrect information ; however, my husband who was also on the fraudulent contract also still has a blemish on his credit report with XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-22
Company: Coinbase, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Site magically goes down for " maintenance '' every time it 's a opportunity to buy  XXXX . This site is a business is a scam! NO LIVE CUSTOMER SUPPORT!   XXXX    being stored on there platform!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: Commonwealth Financial Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have been calling for months to get this taken care of and have been told u have received the proper paperwork for my bankruptcy and it will be " made right '' in 6 to 8 weeks and that never happens!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: U.S. BANCORP
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Sent me a bill and nothing else Ive made multiple contact attempts and have heard nothing back

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 2021-06-04
Company: V and H Portfolio
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I tried to speak to someone at Vance and Huffman and they keep transferring me to other companies. I didn't take out this loan and even offered to settle the bill but they wouldn't talk to me. This is not my account but its reporting on my credit report. This is not my account. I have sent paperwork in and even certified mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-15
Company: EQUIFAX, 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 am having trouble believing that an investigation was done regarding an account I disputed with the credit bureaus. There was a personal statement on my credit report acknowledging that the account was disputed and verified, but I have yet to receive anything validating this account. The account that I am requesting to be deleted is XXXX XXXX XXXX. I've never had an account with this company. The balance that is reporting on my credit report is not the correct balance that I have with the original creditor. I am demanding the removal of this account until further investigation is done. Please provide the original contract where it includes XXXX XXXX XXXX as the company to remit payment to. Also inform me of the amount of which the debt was purchased. If you can not provide this information, please remove this permanently from my credit report. I have attached a screenshot of my credit report where it was updated stating that it was verified yet no sufficient documentation has been sent to me. It has been well over 60 days. Please remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: Midwest Recovery Systems
State: MI
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
This debt is not mine ( Midwest Recovery Systems ) and my identity has been stolen by this company operating under the name of  XXXX   XXXX   XXXX   XXXX   XXXX  at least twice now. The first time I paid them because their phone calls were abusive and threatening ; this was in   XXXX  . In the past years I have had numerous abusive, vulgar and threatening phone calls from this same company. I  have filed 3 Police Reports regarding the phone calls and my most recent stolen identity with this company. I have  also contacted the Attorney General,  XXXX   XXXX  regarding the numerous times this company has threatened me and EXTORTED money from me. In researching this company I found out that Midwest Recovery Systems works with  XXXX   XXXX   XXXX  and  XXXX   XXXX   XXXX  is outlawed in many states including New York and Washington state. There are numerous complaints filed online regarding this company and how they threaten to arrest, prosecute, show up at your house, call you vulgar names ( they called me a "  XXXX  '' and a "  XXXX  '' ). I 'm TERRIFIED! THIS MUST BE TAKEN OFF MY CREDIT REPORTS, PLEASE HELP!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: Whipple Law, P.A.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Whipple Law ou t of North Carolina is trying to collect on a debt that they state was charged off by   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX     I moved from   XXXX   to   XXXX      XXXX   XXXX   . They have no legal right to threaten me with a law suit based on  XXXX  's  six year St atute of limitation regardless of the type of debt. And  XXXX  has a statute o f four yea rs for all debts. I received the same letter from this law firm in  XXXX . And yet they are threatening me with a lawsuit and trying to intimidate me with a law suit. They are breaking laws and being a law firm they know this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have recently been informed that there is negative information reported by University  of   XXXX  in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing for Limit {$0.00} and past due amount {$2800.00} on   XXXX     I challenge the accuracy, compliance and reportability of this listing. Please delete and remove this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have contacted Transunion to dispute the account  XXXX   XXXX   XXXX   XXXX  because the account is not mines and I was told over the phone &amp; in writing that the account is factual and is going to stay on my credit file. There was no investigation into the matter and basically told  in 5 minute s over the phone there is nothey that they can do and to contact the original creditor.

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 2017-04-18
Company: Asset Management Outsourcing, Inc.
State: GA
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 am making a dispute agains t Nationwide Recovery Service in  a response to a listing on my credit reports. Be advised this is not a refusal to pay, but a notice sent in pursuant to the Fair Credit Collection Practices ACT,  15 USC 1692G SEC.809 ( 8  ), stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for  VALIDATION m ade pursuant to the  XXXX   XXXX . I respectfully request your offices provide me with compentent evidence that I have any legal obligation to pay you. At this time I will also inform you that your offices have reported invalidated information to my credit reports  (   XXXX ,  XXXX , and  XXXX   ).  This action constitute fraud under both Federal and  State Laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: Medical-Commercial Audit Inc
State: MO
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I received an initial notice from  MCA Superior Collections  dated   XXXX     advising me I had 15 days to respond before derogatory credit reporting was done. Nowhere on the notice did MCA indicate or imply I had the right to dispute the debt 30 days from receiving this initial notice. Despite the company 's noncompliance I responded with a request for validation of debt dated   XXXX   ( which was in the allotted time I was advised of ) requesting agreement that bears my signature amongst other documents validating the alleged debt and this company was unable to provide me with any. In response to my letter they did provided me with a bill but no specifics. The blatant disregard to my request leads me to believe they are not taking this matter seriously and I am thinking of contacting a consumer attorney if my concerns are n't addressed expeditiously!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: Lentegrity Management, LLC
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
This company is using XXXX  in order to try steal from me. I never agreed to a loan with lentegrity, I never signed anything I purchased outright. They keep stealing from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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:
At this point I do not know who to trust. People call claiming to be-representatives from the creditors saying they want to help.that I owe by way of Fraud and the problem does not go away. 
My account have been charged XXXX, trips, apartments, dinners and I am on a fixed income and have not left the state of Georgia in years. I have worked hard all my life to pay my bills and someone has stolen my identity. Its is saddened me and is a great worry.

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 2017-04-18
Company: Ability Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Ability Recovery Services has repeatedly called me claiming I owed medical bills which I do not owe and has now reported this to a credit agency which has negatively impacted my credit score.

Company response to consumer: Closed with explanation