BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-07
Company: TRANSWORLD SYSTEMS INC
State: WY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received a request for payment from Transworld Systems Inc. for a {$690.00} debt alleged by XXXX XXXX but it appears to the be same amount as the disputed amount from a different individual that was rejected for failure to meet minimum care standards. The alleged debt does not state the date of alleged service, the billing codes applicable, and provides no evidence that Transworld Systems purchased the alleged debt from XXXX XXXX. The alleged debt does not state how much Transworld Systems would be paid for collecting the alleged debt, which could be used to discount an old alleged debt. I have never solicited business from Transworld Systems, and I know they are shady debt collectors with a long history of abuses as documented by the thousands of complaints in the databases of Colorado and Federal governments. XXXX XXXX is not listed in the local phone directory and does not show in the local XXXX and XXXX  approved providers. 
At the minimum, Transworld Systems should be required to provide the actual name of the provider they claim to represent, the actual billing codes involved so that any alleged billing can be compared to that billed, the actual dates involved, the actual location where such alleged billing was incurred, and provide any payments already paid as per XXXX  and supplemental insurance. 
Additionally, I am XXXX and I do not use the phone. I will not use XXXX XXXX   friends to address this issue as it is the responsibility of Transworld Systems to  address disabilities per the Americans with Disabilities Act, and this is evidence of non-compliance by an abusive and vulgar organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: M&T BANK CORPORATION
State: NY
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: Didn't receive services that were advertised

Complaint:
In XXXX, I contacted M & T Bank to see what options were available so that I would not have my house go into foreclosure. They failed to provide accurate information regarding workout options and foreclosure information. I asked about what options were open for me. They told me that I could not do a loan modification, Deed-in-lieu, Short-sale, or refinance. Different told me different things when I called the M & T Bank Mortgage department so options were told that they were unavailable to me and then they were, or I was too late because of the misinformation. I hired 3 different estate agents who listed the house. I had 2 people who made offers to buy the property for a percentage but, the bank refused saying that it was not enough. one offer was for {$18000.00} and the other was for {$30000.00}. Agents told me that many people didn't put in offers because the garage that is located near the property did not come with the house. So with no acceptable offers, the property went into foreclosure and in XX/XX/XXXX it was sold for {$24000.00}. The mortgage never included the garage located near the property but, as of XX/XX/XXXX, there was a survey completed showing that the garage is actually part of the property. The garage was never insured and only used 1 stall of the garage being that the other stall was used by the owner of other property, and believed to be owned by the owner of other nearby property that shares driveway next to the property. The power is connected to the other property. The garage was never included on the mortgage or appraisal for the mortgage. M & T Bank did not work with me or provide accurate information regarding workout options which have resulted in foreclosure on my credit report and preventing me from getting another home for me and my family.

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 2020-01-07
Company: WELLS FARGO & COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Account disclosures sent by Wells Fargo are misleading and deceptive and do not adequately describe how excess payments for 0 % promotions are applied. The disclosure states " Your minimum payments will be applied first to lower APR balances before higher ones. Payments in excess of the minimum payment will generally be applied to balances with higher APRs first ''. However, the disclosure falls short in describing how excess payments will be applied when only 0 % APRs exist. I have three 0 % balance transfer balances with different expiration dates. When I send in excess minimum monthly payments, the payments are spread among the three balances although they don ; t have the same due date. One balance had an expiration date of XX/XX/19. I made a payment on XX/XX/19 in an amount sufficient to payoff the balance. Since the payment was spread between the three accounts, the expiring account started to accrue interest. This practice is deceptive since each loan was taken out at separate times and have different due dates. Each loan also required payment of a 4 % balance transfer fee. Excess payments should be applied based upon the loan expiration date, not spread to balances that may not mature for several months, up to one year.

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 2020-01-07
Company: Bread Financial Holdings, Inc.
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: Reporting company used your report improperly

Complaint:
I applied for a credit card from comenity bank and they checked my credit numerous times I was on hold a few hours with Comenity Victorias Secret I was not resent my approval also they mailed me over several credit decisions and comenity bank ran my credit while I was on the phone telling them to absolutely not run my credit because my credit was good now its the lowest its ever been they have sent over ten messages, text messages, and mail to me please have them remove all the credit inquiries that were unauthorized and put me on the do not call/ email/ mail any harassment also why was I on hold so long without it ever being answered I no longer want a credit card with comenity please keep this private. 
Also I submitted a complaint with the XXXX  against XXXX XXXX XXXX XXXX for having been on hold for four hours and after the completion of the call the card was sent to the wrong address they are sending me harassing voicemails, postcards, and rude when I did call for my replacement card. Isnt it protocol for a business to only respond through the XXXX  to contact me? I am disputing a flight that was canceled, unauthorized use of my card ( I did include the police report ) and a debit adjustment. I mainly want to know why my dispute was denied before the statue of limitations run out, thank you! XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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:
XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, Tennessee XXXX Acct # XXXX Capital One CAPITAL ONE, XXXX XXXX  XXXX XXXX XXXX, VA XXXX CC : Consumer Financial Protection Bureau XX/XX/2020 To Whom It May Concern, I am making a formal complaint regarding your credit inquiry process. 

I am distressed that you have reported excessive hard credit inquires to my credit report when it was communicated to me by your representatives that Capital One offers via XXXX XXXX were soft inquires and therefore would not appear on my credit report at all. It was also communicated to me that once I already had credit card from Capital One that any additional loan inquires would only be soft inquires. 

There should be only one hard inquiry on my credit reports for Capital One. As it stands today my XXXX XXXX and XXXX credit reports each shows multiple hard inquiries from Capital One which negatively impacts my credit rating. This is especially distressing because I was a great customer and always made my payments on time. I did this with the thinking that Capital One would definitely see me as a great customer ; however its a slap in the face to see that my great stewardship and diligence to build a positive credit trade line ends up actually hurting my credit score. 

Therefore I contend that Capital Ones processes for credit inquires exceeded expectations and was performed without properly informing me, the customer that these were hard versus soft inquires to my credit. I also contend that Capital One should do more to properly educate their representatives and potential customers on the difference between hard versus soft inquires as it was clearly not communicated to me that obtaining and properly paying on a Capital One account would be negated due to excessive inquires. Had this been properly communicated Im quite sure I would not have applied at all. 

Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
-XXXX XXXX XXXX Private Student Loan obtained XX/XX/XXXX, $ XXXX Me with Parents as Cosign -Sold to XXXX then Sold to XXXX XXXX XXXX -Payments made faithfully -Cosigner File Bankruptcy I think XX/XX/XXXX -Payments were ongoing -XXXX XXXX XXXX Suspended payments on their own initiative because of Cosigner in Bankruptcy -Somehow Loan Declared as Defaulted with Date of First Delinquency XX/XX/XXXX -XXXX XXXX XXXX Remained unreachable, Loan Disappeared -Attempts to Find the Loan with XXXX XXXX and XXXX were unfruitful as no one knew how to contact the XXXX or what happened to the Loan XXXX XXXX Cosigners Bankruptcy Case Closed, I called XXXX to follow up with Loan XXXX, They Could not localize the loan that they Had secured from XXXX in my name or my cosigners name. XXXX : XXXX Consumer Reporting shows TRANSWORLD SYSTEMS having placed an Account in Collections for me, Date Assigned XX/XX/XXXX -XXXX confirms now XX/XX/XXXX a last known balance of {$7400.00} and provides me a non-working telephone number for the XXXX, multiple attempts failed -I found a different number and reached the XXXX who now ARE able to find my loan and is NOW able to give me information on TRANSWROLD SYSTEM as the company Servicing the Loan on their Behalf -I Speak with TRANSWORLD SYSTEM who is able to verify my account but has home addresses and telephone numbers that are 8 years old ; they have never made any attempt to contact me, neither has XXXX. -TRANSWORLD SYSTEM says a " different department '' is managing my account, I am transferred to the LAW OFFICES OF XXXX XXXX XXXX XXXX XXXX XXXX , Florida who confirms my account is in collections, no other information provided as to promissory note, proof of debt, XXXX account information over the phone. -LAW OFFICES OF XXXX XXXX XXXX claim I owe {$7800.00} that they are collecting for XXXX ; a different balance than that provided by XXXX today as the original amount owed. MY GRIEVANCE IS THAT THERE IS A COLLECTIONS ACCOUNT FILED AGAINST ME WITHOUT ANY EVIDENCE OF THE ACCOUNT BEING OWED OR PROOF OF TITLE. THE LOAN IS IN DEFAULT WHICH IS NOT POSSIBLE AS THE LOAN WAS BEING PAID APPROPRIATELY UNTIL XXXX  ADVISED THAT PAYMENTS WOULD NOT BE ACCEPTED RELATING TO COSIGNER IN BANKRUPTCY. I WAS NEVER CONTACTED BY ANY OF THE ABOVE MENTIONED PARTIES WITH REGARDS TO THIS ACCOUNT. THERE IS AN ALLEGED PAYMENT HAVING BEEN MADE ON MY CREDIT REPORT ON XX/XX/XXXX ; WHICH IS NOT POSSIBLE AS NO PAYMENTS HAVE BEEN MADE SINCE XXXX SUSPENDED AS ABOVE, WHICH BRINGS UP THE ISSUE OF THE STATUE OF LIMITATIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: Amsher Collection Services, 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: Investigation took more than 30 days

Complaint:
I was taken advantage of due to malpractice. While several XXXX laws were broken under the ( FCRA ) by your company. 
This has caused me defamation of character, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, loss of enjoyment of activities. I cant apply for credit, my ability to apply for credit is tainted. 


The FCRA ( federal law ) says that as a consumer, I am legally allowed to challenge the validity and accuracy of these hard inquiries. And when I challenge these inquiries, it's called opening a dispute. The company pulling the consumer credit must provide documented proof, for example a document with my signature on it, that I authorized and provided consent for the hard inquiry. If your company fail to provide this documentation, then XXXX, XXXX, and XXXX must remove these inquiries from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: BEXIL AMERICAN MORTGAGE INC.
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: EQUIFAX, INC.
State: FL
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:
Equifax has reported to XXXX ( XXXX ) different banks negative information. I.e. A Bankruptcy. I called made dispute and Equifax swears up and down they gave no information like that to these banks. The XXXX XXXX XXXX, XXXX Tx. Told me that Equifax reports a bankruptcy, that was in XXXX 2017.  XXXX XXXX, reported to this bank a bankruptcy just 10 days ago. And now, XXXX XXXX took XXXX dollars away in my credit card for the same misinformation. When I called Equifax on XXXX XXXX, 2017, I told them this, they told me they have no Bankruptcy on file. Well, I would like to know where these XXXX banks got their information? All XXXX have told me personally Equifax supplied this information, I want these banks contacted immediately and told the truth. Thank you for your time in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Experian Information Solutions Inc.
State: TX
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  Account # : XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX  Account # : XXXX  XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX  Account # : XXXX XXXX XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX  Account : Unauthorized Hard Inquiry XXXX XXXX  XXXX 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 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 2020-01-07
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On two separate occasions, roughly a year apart, I have sent a request to my servicer, Lakeview Loan Servicing LLC, to have my PMI reviewed and waived with no response from the servicer. The first instance, around XXXX of XXXX, it took at least several weeks to receive a response to my written request, and this was only after I called the servicer to inquire about the delay. The servicer 's reference number for this instance is XXXX. 

The second time, beginning in early XX/XX/XXXX, I again followed the servicer 's instructions for PMI inquiries to no avail thus far. It has been over a month without any acknowledgment, save for the reference number. The servicer 's reference number for this instance is XXXX. 

The 80 % LTV estimate date the servicer is using is painfully conservative. I have argued this clearly and would like to know what my options are for having PMI removed at this point since I am well past 80 % LTV.

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 2020-01-07
Company: Alliance Collection Agencies, Inc.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I used XXXX XXXX XXXX in XXXX, WI XXXX Therapy in XXXX XXXX, WI and paid my copays regularly. XXXX billed me incorrectly omitting copays which I sent proof of payments made on my credit card on XX/XX/2019. I requested XXXX 's XXXX Department to adjust the billing for any missing copays and I would pay the bill. I have not received any response from XXXX on that or any other correspondence I have sent them. I was able to account for {$50.00} of copays which I had not paid and paid them to XXXX on XX/XX/2019 but I sent the payments to XXXX XXXX XXXX XXXX in Maine. After I discovered this I called XXXX and told them of my error and asked them to adjust the account there and send the credit to the Billing Department for XXXX XXXX XXXX XXXX under which both XXXX XXXX and XXXX XXXX XXXX. XXXX refused and told me they were holding my {$50.00} as a credit against any future billings. XXXX turned a bill of {$25.00} over to Alliance Collection Agency in  XXXX, WI. Alliance has sent me letters 5 times despite my telling them their client had received payment and sending them letters back indicating I did not owe XXXX and citing XXXX lack of response to my letters and legitimate request to straighten out the payment incorrectly sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: WELLS FARGO & COMPANY
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
A charge off needs to be removed from my credit report for XXXX bank. It was part of a bankruptcy in XXXX  and should not be on my report. Please see the attached paperwork. It will be taken off a month or XXXX and then XXXX Bank will add it back. 

XXXX XXXX service was determined by the judge as a debt for my ex husband in the Divorce Decree. I would like it removed from my credit. Please see the attached file.

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 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 or around XX/XX/2022, I filed a complaint against the credit bureaus credit reporting and improper use of my credit report. The bureaus response to my complaint was that they would " re-investigate my consumer report '' for the accounts that I listed is violating my rights and would respond back within 30-60 days. 

According to the FCRA the term " investigate a consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he/she is acquainted or who may have knowledge concerning any such items of information. 

They stated that my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-05-06
Company: Linebarger Goggan Blair & Sampson LLP
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX has submitted for collection a debt which is time-barred. The literature sent to me cites VA code section XXXX, which section sets forth the time limit to commence such actions ( 2 years ). They will not answer my calls and have submitted violations allegedly occurring in XXXX  and XXXX to an out-of state law firm which also refuses to communicate with me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-06
Company: EQUIFAX, INC.
State: FL
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:
On my XXXX and Equifax report it's showing a closed account as opened and this account associated with XXXX XXXX has been closed since XX/XX/2016 and their still reporting new missed payments.

Company response to consumer: Closed with explanation