BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-03
Company: CAVALRY INVESTMENTS, LLC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
XXXX XXXX XXXX ( Cavalry SPV I , LLC ). After things at my work changed, I took full retirement when I could. My wife and I and daughter then moved to live in my wife 's GA home. The Warranty in Debt mailed to us was mailed only ( not signed for ) at our old still empty VA house address. It was mailed XXXX/XXXX/2016. After the mail was forwarded, we finally got the notice in early XXXX 2016. That 's about two months later. The original court date was for XX/XX/XXXX2016. After getting on-line, I fortunately saw the case was continued for XXXX/XXXX/2016. We called to settle the debt through their local XXXX XXXX XXXX. We paid and settled the debt on XXXX/XXXX/2016 through XXXX XXXX XXXX for Cavalry SPV I , LLC. They had bought the debt from XXXX XXXX. Although we paid {$1800.00} and settled the debt, the account information through the credit reporting agencies should say something like " Account paid for less than full balance. Paid collection '' or " Paid and Settled for less than full balance ''. The account should also be closed with no balance now. Instead, the account remains open and with {$470.00} balance remaining and is still be reported to the credit agencies that way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have contacted credit reporting agency TransUnion multiple times by regular mail, by certified mail, I have asked them for method of verification, and continue to respond as as account verified, How could this be possible if I contact XXXX on account # XXXX and they do n't have the information that TransUnion is reporting. They simply ignore any request your send to them and respond with their automated system. I need this matter taken care of and have this account deleted as it is erroneous and useless in my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: Eastern Account Systems of Connecticut, Inc.
State: CT
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I recently disputed a medical charge with XXXX to have it removed from my credit report as it came back verified. I requested documentation to prove this debt belongs to me but I have not received any proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: WELLS FARGO & COMPANY
State: MN
Product: Credit card
Issue: Billing disputes

Complaint:
I purchased furniture from XXXX and all the furniture is broken and defective now. I have n't had the furniture for a year, but the furniture is all broke and defective. I received furniture of poor quality and materials. I was charged {$4000.00} for the future. I sent a complaint to Wells Fargo and XXXX XXXX back in XXXX 2015. I received a letter from Wells Fargo Financial National Bank on XXXX XXXX, 2015, in regards to my complaint. Wells Fargo Financial National Bank informed me, my disputed charge, was valid. Review Consumer Financial Protection Bureau Case # : XXXX. I want Wells Fargo Financial National Bank to issue me a credit of {$4000.00} and send me a new card as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been a victim of identity theft. I have an extended fraud alert on my credit report. There have been numerous unauthorized inquiries on my credit report. I mailed letters to each of the creditors that are showing up on my report that I did not authorize but have not received a respons. I contacted Transunion by phone and by mail to dispute the inquiries and they refuse to remove them. These inquiries are affecting my ability to apply for credit. My complaint is with Transunion. Similiar inquires were showing up on XXXX and XXXX was very helpful in removing them right away.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
inquiries were removed and added back without proper notification and it 's against FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28
Company: I.Q. DATA INTERNATIONAL, INC.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
In 2010 I broke a lease with XXXX XXXX Apartments. I was wage garnished, and I paid XXXX for breaking the lease and XXXX for the damages and repairs. I have court documents that support the debt was legally sold to ( XXXX XXXX XXXX ), and paid in full. In XXXX of 2010 I applied for a home and was denied because I " supposedly '' owed I Q Data International, for the same debt that I already paid. I sent them the legal documents, and reported them to the credit bureaus, but the debt is still on my credit. I would like it removed because it should have never been on my credit XXXX. If anyone else is having this issue I want to join a class action suit, or maybe we can start one. XXXXXXXXXXXX I attached court documents that prove I have paid the debt, I also included directly from my XXXX Credit report the page where the debt comes up XXXX, with a XXXX dollar difference.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-31
Company: Northeast Collection Bureau
State: VA
Product: Other financial service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
A scheme attempted to obtain money by false pretense. The scheme blackmailed a consumer through the consumer financial protection bureau website on XXXX XXXX, 2016 at XXXX XXXX. That is apparent money laundering scheme. The scheme claimed that there was no call placed. The FTC Do Not Call Registry affidavit or transcript must be transparent. The consumer already got confirmation by the FTC., which would help deter time wasting and resource embezzlement that would harm the liaison and the cfpb examination process which in the long run would result in conflict of interest and procurement fraud. Someone got away with identity theft and bilking. It implies that XXXX is at harm in bogus tax refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18
Company: U.S. Collections West, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I recieved a call from an associate who identified himself only as XXXX on XXXX/XXXX/XX/XX/XXXX, who did not state what collection company he was calling from. XXXX told me there is an unsettled debt for $ 3000.00+ for an apartment eviction from XX/XX/XXXX. I requested documentation to be sent, and was told no because it would cost him {$2.00} or {$3.00} to send and that I dont need proof of something I owe. After telling XXXX I did not have availale funds and that I felt the call may have been fraudulent the call was ended. On that following Friday, XXXX called back and while still not advising who he is employed by, he informed me he sent my account through for garnishments because I would not make a payment. After several calls, I was then transferred to work with an XXXX named XXXX. XXXX told me he would stop the garnishment order if I agreed to pay him a minimum of 12 % of my take home pay. He would not negotiate, and did not ask what my monthly expenses are. I was sent an agreement form to return to XXXX by XXXX/XXXX/XX/XX/XXXX with a monthly payment of {$250.00}, and if i dont, he threated a lawsuit against me and garnishments. I found the company to be US Collections West in XXXX, Az and find the collection tactics to be forceful, misleading, and predatory. I have been mistreated and disrespected by this agency, and being forced to pay an amount which will cause a hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30
Company: ONLINE Information Services, Inc.
State: IL
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:
ONLINE SPLIT JOINT ACCOUNT IN XXXX IN A EFFORT TO COLLECT ON DEBT INDIVIUALLY, TRYING TO UNLAWFULLY COLLECT DEBT FROM XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: Tower Loan of Mississippi, Inc.
State: OK
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
I owe a debt to Tower loans. It is a signature loan. They are threatening to garnish my SSI XXXX checks. I am under the impression that they can not do this. I am a single mother with health issues and this is my only form of income. I have expressed to them that I can not pay and that I have to file bankruptcy. They call me Constantly and have shown up at my house XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Re : XXXX XXXX XXXX SS # XXXX Hello, My name is XXXX XXXX XXXX and I am writing a complaint against TransUnion about my Credit Report. I have no affiliation with XXXX XXXX care. On or about XX/XX/2016, Your company states I owe : {$200.00}. I am a Veteran and you have listed someones information on my file without my knowledge. I have never visirted this place or do n't even know here this place is located. 
I would urge you to have all of themse items removed form my file ASAP, and clean my record as it used to be. I do not appreciate your lies and deception.

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 2015-10-06
Company: CAVALRY INVESTMENTS, LLC
State: TX
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:
This debt is inaccurate. I have asked Cavalry to provide me with the original documents for this account and they have failed to do so. This account is re-aged and the amount has been changed. I do not owe what they are reporting!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29
Company: LENDER LIVE
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We submitted an offer of XXXX in XXXX 2015. After review, the loss mit specialist assigned, XXXX XXXX, advised that the net to investor had to be XXXX. The HUD was adjusted to accommodate this request and submitted to Lenderlive XXXX/XXXX/15. We were told the appraisal would expire and had to close by XXXX/XXXX/15, which we agreed to. We called, emailed, and tried to follow up through XXXX/XXXX/15 with no response. When we spoke to XXXX XXXX in mid XXXX she advised that XXXX was no longer the contact for this file. She said the file would be submitted to the investor for review and requested the appraisal expiration date be extended. Around XXXX XXXX we received a denial letter stating the net proceed to the investor should be {$190000.00}. We were told the appraised value according to the VA was XXXX. The XXXX have never received a copy of this appraisal, though requested. The investor is asking for a net amount more the the value of the property and more than the XXXX that we were told was the net amount the VA required based on the XXXX value.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: ORG GC GP Buyer, LLC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
The company gc service is saying that I have to pay XXXX that They are collecting for XXXX XXXX I never receive a notification of the amount I owe from the company nor have they made any contact with me I had seen they information on my credit report I try several times to contact this company and no one has answered me I do not owe XXXX nor do I owe XXXX I would like them to remove them self off my credit report nor have I gotten any bill From XXXX I would like all charges drop from my report right away

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-17
Company: GUARANTEED RATE INC.
State: PA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
On XXXX/XXXX/XXXX, we heard about a TV commercial to offer the low rate for refinancing. The commercial stated that how easy to apply for home loan online and get a guaranteed interest rate instantly. The commercial does not say anything about the company 's eligibility requirements such as XXXX credit score, XXXX % debt-to-income ratio and XXXX % loan-to-value ratio. If I had known these requirements, I would never have called them or applied for loan. 
My representative spoke with a Mortgage Specialist of the lender. I was asked to complete an application online. I encountered a system error message and my submission aborted abnormally. I did n't have an opportunity to verify data entered online. We also did not receive a Loan Summary for reviewing the payment and costs associated with the loan. 
On the same day ( XXXX/XXXX/XXXX ), the Mortgage Specialist received my credit reports from the XXXX major Credit Reporting Agencies. 
On XXXX/XXXX/XXXX, the Mortgage Specialist sent an email asking for my XXXX & XXXX Personal and Business Tax Returns ( All Pages ) to determine the exact income. However, due to the system error and the company 's failure to send the Loan Summary containing the payment and costs associated with the loan, we did not feel comfortable in sending the tax returns and going forward with the application. We withdrew my application for refinancing. 
On XXXX/XXXX/XXXX, we sent an email to the Mortgage Specialist notifying our withdrawal of the application. 
On XXXX/XXXX/XXXX, the Mortgage Specialist notified us that the loan was denied due to high debt-to-income ratio. He made this decision without my Tax Returns and using an incomplete application. 
On XXXX/XXXX/XXXX, we notified the Mortgage Specialist that I did not send my Tax returns as he requested ; the online application was incomplete ; he did not have my exact income ; and the application was withdrawn. We asked him why he sent the denial letter after the application was withdrawn. Was his intention to destroy the creditability of an applicant when the application was withdrawn? We requested him to cancel his denial letter. He has refused to cancel the denial letter. We wished to bring this to his management 's attention for early resolution. But, he refused to provide the name of his supervisor also. He informed us that we will receive no further communication from him or his company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: ORG GC GP Buyer, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Keeps calling my cell phone. No voicemail at first. Some dates : XXXX XXXX ( left msg ), XXXX XXXX pm, XXXX XXXX. Called sounded like she said " XXXX '' and to call XXXX. She was calling about my brother. 

Do n't know who she is or why she is calling. Web lookups show it seems to be a collection agency maybe " Gc Services - Debt Collector ''. Caller id says XXXX XXXX, tx but comapny is in XXXX tx.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-21
Company: Commonwealth Financial Systems, Inc.
State: NV
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
The original creditor and Commonwealth Financial servicces have previously been notified this debt was the result of identity theft.. Commonwealth and the original creditor removed it from my credit report.. The false debt has once agian been put on XXXX, XXXX, XXXX..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have tried to dispute this bankruptcy discharge on my credit because this is not mine because the address on the pacer website says it was sent to an address in north carolina and i never lived out there so i am asking for the credit bureau to get rid of this negative reporting on my credit report

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 2016-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
TRANSUNION credit report. This is a request for a ; CREDIT REPORTING CORRECTIONS STUDENT LOAN IS REPORTED ON CREDIT REPORTING TWICE THERE IS NO XXXX XXXX XXXX XXXX XXXX {$980.00} XXXX/XXXX/XXXX {$88.00} XXXX XXXX XXXX {$1200.00} XXXX/XXXX/XXXX {$88.00} XXXX Please remove these derogatory accounts PAID 5 YEARS AGO Account Name Balance Balance Date XXXX {$0.00} XXXX/XXXX/XXXX XXXX {$0.00} XXXX/XXXX/XXXX XXXX {$0.00} 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 2017-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I sent a dispute letter to Transunion Credit Bureau in XX/XX/XXXX to dispute erroneous accounts on my credit report. The dispute letter via certified mail, it was delivered on XX/XX/2016 ( verified via XXXX ). I have not received any correspondence or dispute results. According to FRCA its my right to a timely investigation ( XXXX ) and Transunion is in violated my rights. At this point Transunion should be obligated to follow the law and delete those erroneous accounts listed on the dispute letter. Please assist me in handling this issue.

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 2016-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Not sure of any information reguarding that dept

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 2022-11-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
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:
On XX/XX/2022 I was approved for a business auto loan by Bank of America. I took the attached pre approval to dealership XXXX XXXX XXXX XXXX  and they took it upon their self to apply for me another application with Bank of America. 
The reason for me taking the business pre approval was so that it wouldnt show on my personal credit report. Ive noticed that it is showing on my personal report. Ive called and spoke to finance XXXX XXXX, she stated theres nothing she can do and mark has still failed to return my call. 
Bank of America says there was a whole nother application opened under my personal I did not give them permission to do that they should have used the pre approval that was presented.

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 2016-03-10
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
My loans were recently transferred from XXXX XXXX to FedLoan Services because of the Public Service Loan Forgiveness and the experience has not only been tedious, but the last phone call I completed left me in tears of frustration. Not only are the customer service workers polite enough just to get you off of the phone quickly with false assurance, but they do not keep any sort of records/notes on my account. I call a few times a week and the person I speak with ca n't recall what the previous person spoke with me about. My loans are current and I am simply trying to enroll into a Pay As You Earn payment plan. I have spoken to over XXXX customer service agents and each one tells me something different. I would not give FedLoan Servicing my business if it was n't mandatory. This experience has been nothing but false promises and disappointments. I would recommend better training for those who are on the phones because the fact that my request to have a payment refunded to me ( after my loans were put into a temporary forbearance ) ( which I was assured could happen ) has been denied with no real reason given is ridiculous! I am livid and the way that my business has been handled is a disgrace, especially since I am willingly trying to pay my loans back. Please consider the way you do business.

Company response to consumer: Closed with explanation