BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account isn't mine. Please remove 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 explanation
Consumer complaint received 2017-06-06
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX   XXXX  and  XXXX   XXXX  called experian and order my credit report with out authorization there both wanted f or SSI frau d and running dead people credit

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 2020-08-11
Company: Caliber Home Loans, Inc.
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am attempting to extend a COVID-19 forbearance on a VA backed mortgage that is being serviced by Caliber Home Loans. I attempted to request an extension through their online website and received a message that they were unable to process my request and that I would need to call their phone number. I have previously notified Caliber Home Loans that I am unable to speak to them on the phone due to a XXXX that impacts my XXXX  abilities, and requested that any communications between us be by secure message, email, or postal service. I also asked them to suspend collection calls, and they have not honored that request, calling my phone after I submitted that request, sometimes multiple times a day. 
I sent a secure message to them asking as to the status of my request on XX/XX/XXXX and have yet to receive a response. I also reminded them of my prior requests to communicate by written means. I have not yet received a response to my concerns, although the automated reply said to expect a reply within five business days. 
In my previous communications with Caliber I feel that I have explained my need for reasonable accommodations very well. Caliber has not shown any willingness to work with me on this issue, or even meet me halfway. It is my intention to stay in my home, this being my primary residence and this lack of communication on the part of Caliber Home Loans is exacerbating an already difficult situation. I have also explained that I am working with a person at the VA who can act as an intermediary between myself and Caliber Home Loans, and provided her contact information to them. They have been unresponsive to her as well. Considering that I am at risk of foreclosure and attempting to do a loan modification, which is a very involved process that necessitates communication between both parties, I am concerned by the lack of communication on the part of Caliber Home Loans, and especially that they are not respecting my requested method of communication. I am asking the CFPB to assist me in reaching a resolution to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: Conn's, 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 have been struggling to get all erroneous CHARGE OFF 'S off and ERRONEOUS statuses of my Credit Report showing that they were SETTLED FOR LESS INCORRECTLY when this account has been fully paid off since XX/XX/XXXX and they CHARGED IT OFF in XXXX of XXXX. The CREDIT BUREAUS are saying that they investigated that the information they are reporting is TRUE AND CORRECT INFORMATION for XXXX   AND XXXX. I have even contacted CONNS LEGAL DEPARTMENT, and visited a store for help and they just take my name in the Legal Department and say that they will be getting back with me. I have been getting the run around since XX/XX/XXXX with these Credit Reporting Agencies and CONNS APPLIANCES. 

CONNS XXXX XXXX XXXX XXXX TX, XXXX XXXX I have been writing letters and repeated Phone Calls and now CONNS are messing up my credit and life with other companies because I am trying to purchase a House for my family and I and I am trying to prepare to take them to court for DEFAMATION OF CHARACTER.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-09
Company: CAVALRY INVESTMENTS, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt buyer has violated the Fair Credit Reporting Act ( FCRA ) by attempting to collect an alleged debt when the company Calvary stated around XX/XX/2020 that they would cease and desist all attempts to collect the alleged debt. The debt buyer has refused to be removed from my credit reports and has violated my privacy, defamation of character, and assuming that the debt was not disputed within 30 days makes the debt valid. This is not true and violates both the Fair Debt Collection Practicing Act ( FDCPA ) and ( FCRA ). The debt collector must remove themselves from all three credit reports that is XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
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: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-08-11
Company: Concorde Auto Management, LLC  DBA  Concorde Auto Acceptance
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with CONCORDE AUTO ACCEPT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and CONCORDE AUTO ACCEPT with no successful resolution. XXXX  only reporting me late. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I am re-opening claim XXXX as HSBC continue to owe me the {$370.00} promotional bonus. According to their letter " you will see the promotional bonus reflected in your account within 4 weeks, provided the account remains open and in good standing ''. It has been 4 weeks and 1 day since XX/XX/XXXX and I don't see the money in my account. The account is open and in good standing but they don't do what they promise, so I decided to seek CFPB help again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: U.S. BANCORP
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Since XX/XX/2017, I have attempted to dispute fraudulent charges on my credit card with US Bank. In violation of FCBA, they did not conduct a thorough investigation nor provided proof of the investigation or results thereof. Since then, the credit card company has routinely reported the negative information to the credit bureaus, even during subsequent investigation requests, in violation of FDCRA. 

Referencing CFPB complaint XXXX, the credit card company has still to this date refused to provide any documentation of the alleged investigation conducted as a result of the fraudulent charges. 

In addition, the credit card company has since blocked my account access as well as access to all statements of the credit card as a method pf preventing me of conducting my own investigation. I provided documents charges took place in various other states in which I did not visit nor reside, yet this documentation was clearly ignored.

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 2022-01-27
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX AWA collections started collecting for an already previously indicated fraudulent account. 
The same information was reported to the credit report on XX/XX/XXXX. This is a clear violation of the fair debit reporting act. Had this company notified me prior to placing this account on my credit, they were received the documents necessary to remove this account from their system as a fraudulent account. This is a clear violation of : 15 USC 1692g sec 809 Fair debit collection practice act. 

The information that AWA is trying to collect for was already removed from the credit report from a previous collection agency trying to collect on the same debt. That debt was deemed a fraudulent debt it was probably removed from my credit report. AWA was notified on XX/XX/XXXX from me as well as XXXX of this error and made no action to correct it. This is a clear violation of section 15 U.S.C. SS 1681i Of the fair debit collection practice act. 

AWA collections then started feeding me false and in accurate information. Id ask for the fraud department and I received no way or means of contacting this department. I was told that a supervisor will return my calls the very next day who deals with these issues. That was on XX/XX/XXXX. Unfortunately no call was ever placed in response back to me as of todays date. 
This is a violation of 15U.S.C.1692e SS 807 false or misleading representation. 

AWA collections was given prior notice of this debt being a fraudulent account by XXXX and by myself. This information was given immediately following the original reporting of this debt by AWA collections on XX/XX/XXXX. AWA collections failed to sis collection of this debt after been notified prior that this is a fraudulent account. Fair to do that violates section 15U.S.C.1692F subsection 809 ( a ) ( 4 ) ( b ) Validation of debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: Conn's, 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:
To whom it may concern Ive had two delinquent accounts that I paid in settlement back in XXXX of 2019 Ive been challenging these items with the credit bureaus to only have them come back with the account showing I still owe and its several months past due Ive called numerous times to try to resolve this matter but Im always referred to a third party collections agency to only be told they dont even have that account Ive got nothing but the run a round so Im seeking help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 have a collection on my credit report for a {$400.00} opened XX/XX/2018. The original creditor is XXXX XXXX XXXX. The collection agency is XXXX XXXX XXXX. I came to a settlement agreement with XXXX to pay {$260.00} of the {$400.00} collection to close and remove the account which i paid. The collection is still being reported. I'm currently in the process of buying my first home and this collection still being reported has my lender at a stand still. I can not proceed any further buying a home because of this reported collection. I've paid the debt as agreed and am still being hindered as if i didn't pay the debt. I disputed this with the credit bureaus and asked them to investigate and requested all documentation verifying where they came up with the {$400.00} balance. XXXX responded in about 10 days and I never received any documentation which means they didn't investigate anything. I then contacted XXXX XXXX XXXX asking for good faith to remove the paid collection and inquiring about why they have not removed the settled account from my report. I was told " that the contract they have with their client XXXX XXXX XXXX. doesn't want anything removed from the report no matter what the status of the collection is ''. I then contacted XXXX XXXX Rapid Review Department and explained my situation to them and asked why their contract with XXXX doesn't allow for paid collections to be removed. The Rapid Review Department informed me that there is no contract. During my phone call with Rapid Review I found out that that XXXX did not complete everything needed once i paid the settlement. they were supposed to contact XXXX XXXX to inform them we came to a settlement agreement that i paid and the remaining balance of {$140.00} of the original debt was to be credited to me as a balance of {$0.00} which never happened. XXXX XXXX showed that I still had an outstanding balance of {$140.00}. If the the credit bureaus had properly investigated and gathered the documentation I requested this should have been brought to light. I was told to contact and file a complaint with the Consumers Financial Protection Bureau, State Attorney Generals Office and a consumer law, law firm. Thank you for your time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Attached are the following : TSI Debt collection notices, showing the original debt owed and the new debt TSI is attempting to collect. My XXXX mobile bill showing proof I called attempting to negotiate the original debt owed ; and proof of a Credit Card payment made towards the debt. 

The debt they are attempting to collect is in excessive fees of {$25000.00} that I did not agree to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is a formal complaint sent to you requesting for your assistance to reach out to the Credit Agencies in connection to my previous written letters which I have sent through certified mail about XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX. I have not heard any feedback or response from any of the credit agencies with regards to my request of removing this fraudulent account from by credit report. The said issue with this account has been addressed multiple times but no one have ever responded. I have been doing my research in connection to this and I found out that the Fair Debt Collection Practices Act and Regulation F requires that all credit agency should notify the consumer in specific forms of communication prior to reporting. Also, the Fair Credit Reporting Act requires that the credit agencies should provide a 100 % accuracy in all of the information. Considering these two laws, the credit agencies failed to observe both requirements.

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 2017-09-06
Company: U.S. BANCORP
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
The XXXX lady tried to stuff 2 products on me! A former finance XXXX and mark up 2pts on me! Soon to be charge back after I refi in 20 days! That 's bad business! One thing I never did! Stuffing customers and not actually selling the products! Worse experience ever!!! Know your personnel! And your customers XXXX XXXX was the finance Mgr 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 2020-11-19
Company: Mid-Atlantic Finance Co., Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I was in a car accident involving this car in XX/XX/XXXX. The car was a total loss. After the parties insurance paid out, I was left with {$5700.00} in negative equity. I was in the process of trying to finance a new car and the negative equity. On XX/XX/XXXX Mid Atlantic retch out to mean with an offer of {$1800.00} pay off. I agreed to that, signed the contract, and put the first payment of {$100.00} down on XX/XX/XXXX. When the financing went through for the new car and negative equity, they cut a cut for the original negative equity on XX/XX/XXXX. Mid Atlantic did not take their {$1700.00} and return the rest of that check for {$5700.00}. They stated that the Dealership would have to reimburse me. I retch out to XXXX XXXX XXXX XXXX and they refused to refund the money either. I have had my accident attorney with XXXX XXXX XXXX, reach out in effort to fix this as well but we were just left at a dead end.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Investigation took more than 30 days

Complaint:
I have lost access to all my money Bank of America has given me the run around and continue to hold my accounts funds and Im unable to claim anything been struggling and trying to figure why BofA says I owe them but there is a open claim for well over XXXX but I owe them?

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 monetary relief
Consumer complaint received 2020-07-06
Company: EQUIFAX, INC.
State: GA
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 ACOUNTS ON MY CREDIT REPORT THAT DO NOT BELONG TO ME. PLEASE REMOVE THESE INACCURATE ACCOUNTS FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Online payment made of {$2000.00} XX/XX/XXXX. Online system reported an error and requested that payment be cancelled and reapplied. Payment amount was cancelled and reapplied in the amount of {$2000.00} w/o confirmation of payment.XX/XX/XXXX checked the account and no payments were applied neither was there a payment confirmation., thus payment of {$2000.00} was reapplied and only " then '' did I receive a payment confirmation for the posted amount of {$2000.00}. XX/XX/XXXX, I went online to pay balance of {$620.00} and DISCOVERED that two payments in the amount of {$2000.00} totaling {$4000.00} was scheduled to be drafted from my bank account! I immediately notified the company to discuss why this happened and was unsuccessful in resolving this issue with agent, secondary to a lack of communication ( listening/comprehension ). I spoke with three supervisors on the XX/XX/XXXX and neither of them could resolve and the latter insisted and requested a check to be mailed to me ( {$1300.00} ). I continued to inform her that this was erroneous and that the company did not " owe '' me any money. I only wanted the company to see that their was a system error that posted an " additional unauthorized payment amount of {$2000.00}! '' The three supervisors ALL contested that my account was paid in full and nothing further " needed '' or " could '' be done in this matter. My spouse called on XX/XX/XXXX and spoke with a supervisor who canceled the check {$1300.00} and yet the check was applied to my account on XX/XX/XXXX. My spouse also spoke with another supervisor XX/XX/XXXX due to an overdraft by my bank and she issued a {$35.00} credit for the inconvenience. As of XX/XX/XXXX, XXXX the canceled check has been applied to my balance {$620.00} leaving a balance of {$2000.00}, CRAZY

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 monetary relief